| Interest Rate | 9.90% p.a. onwards |
| Loan Amount | Rs. 5,000 to Rs. 8 lakh |
| Repayment Tenure | Up to 3 years |
| Loan Process | Paperless and Digital |
Note: Rate is applicable for minimum 6 months tenure.
Interest Rates updated as of 17 June 2025.
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| Interest Rate | 9.90% p.a. onwards |
| Loan Amount | Rs. 5,000 to Rs. 8 lakh |
| Repayment Tenure | Up to 3 years |
| Loan Process | Paperless and Digital |
Note: Rate is applicable for minimum 6 months tenure.
Interest Rates updated as of 17 June 2025.
IDFC First Bank offers consumer durable loan at an interest rate of 9.90% p.a. onwards.
Note: Customers unable to avail consumer durable loans can also explore Short Term Personal Loan or regular personal loan, depending on the loan amount, to finance their consumer durable purchases.
IDFC First Bank has entered into partnerships with a wide range consumer durable dealers across major cities and towns in India. The online partners for IDFC First Consumer Durable Loans include Amazon, Flipkart, Cult Fit, Cashify, Dell, Myntra, Make My Trip, Lenovo, Tata Cliq, Urban Ladder, etc.
New Customer- 21-65 years
Existing Customer/Easy Buy EMI Card Customer– 21 to 68 years
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| Processing Fees | As applicable |
| Facilitation Fees | Up to Rs. 599 |
| Foreclosure Charges | Up to 5% of principal outstanding amount |
| EMI Bounce Charges | 15% of EMI, Up to Rs 750 |
| Penal Interest | 2% per month of overdue instalment or Rs 300 whichever is higher |
| Swap Charges | Nil |
| EMI Pickup / Collection charges | Up to Rs. 350 |
| Tech Bounce Charges | Rs. 300 |
| Easy Buy EMI Card Fees | Rs. 530 |
| Card Replacement Fees | Nil |
| EBC & Push Card Annual Fee | Nil |
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Paisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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Get up to ₹50 Lakhs starting at 9.98%*
Get up to ₹50 Lakhs starting at 9.98%*

Get up to ₹50 Lakhs starting at 9.98%