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IDFC First Bank Personal Loan

Apply for IDFC Bank’s FIRSTmoney Smart Personal Loan online and avail funds up to Rs. 10 lakh at an interest rate of 9.99% p.a. onwards with repayment tenure up to 5 years.

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

IDFC FIRST Bank Personal Loan:

IDFC FIRST Bank offers FIRSTmoney personal loan with interest rates starting from 9.99% p.a. FIRSTmoney personal loan offers flexibility, affordability and instant access to borrowers. Eligible borrowers can get loan up to Rs. 10 lakh for a tenure ranging from 9 months to 60 months. Whether you are looking for a travel loan, a marriage loan, or a loan for home improvement, IDFC FIRST Bank personal loan caters to borrower’s specific needs with tailored options.

IDFC FIRST Bank Personal Loan Eligibility Criteria

IDFC FIRST Bank offers personal loans to both salaried and self-employed individuals, with specific eligibility criteria. Find below a comprehensive overview:

  • Employment: Salaried and Self-employed Individuals
  • Age: 21 to 60 years
  • CIBIL score: Minimum 710 or above

Documents Required for IDFC FIRSTmoney Personal Loan

To apply for an IDFC FIRSTmoney Smart Personal Loan, the loan process is 100% digital and paperless. However, you may be required to furnish the physical copies of the documents mentioned below at the time of video KYC:

  • PAN card (Mandatory documents for all the applicants)
  • For Video KYC: Passport, Voter ID, Driving License

Fees & Charges on IDFC Personal Loan

Particulars Charges
Processing Fees 2% of loan amount (incl. GST)
EMI Bounce Charges EMI Bounce Charges 7.5% of the EMI/ Outstanding amount (minimum Rs. 400 & maximum Rs. 1000)
Late Payment/Penal Charges 2% of unpaid EMIs
Stamping Charges As per actuals
Document retrieval charges Rs. 500
Physical Statement of Account Rs. 500
Foreclosure charges NIL
Document retrieval charges Document retrieval charges
Cooling-off period 3 days (Loan can be cancelled without penalty within 3 days)

Note: GST is applicable on all service charges. For more details, visit the bank's official website.

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Features of IDFC FIRST Bank Personal Loan:

FLEXI Personal Loan:

IDFC FIRSTmoney offers flexi loan option. With FIRSTmoney, you don’t have to apply for a new loan every time you need money. Once your loan offer is approved (say up to Rs. 10 lakh, depending on your credit score), you can withdraw money in parts whenever you need it—starting from as little as Rs. 10,000.

Pay on What You Use

You will be charged interest on the amount used, not on the amount approved.

Flexible Repayment

With repayment tenure ranging from 9 to 60 months, you get the flexibility to choose an EMI plan as per your budget.

Minimal Documentation

You only need your PAN card during the video KYC process and you are good to go.

Tailored Personal Loan Options

IDFC FIRST Bank offers a wide range of personal loan products that help in fulfilling various financial needs of its customers. Find below its types and purposes:

Personal Loan for Wedding

Purpose: Prospective personal loan borrowers can avail IDFC FIRST Bank marriage loan to meet their wedding-related expenses.

Personal Loan for Travel

Purpose: Applicants can avail IDFC FIRST Travel Loan to meet the financial requirements for travel related activities, including domestic and international vacations.

Personal Loan for Medical Purpose

Purpose: IDFC FIRST Bank offers Medical Loans to meet the financial requirements of applicants for medical purposes such as hospitalization, treatment cost, surgery, operation, etc.

Personal loan for Home Improvement

Purpose: Potential loan borrowers can avail IDFC FIRST Bank Loan for home improvement purposes, such as tiling, painting, fencing, flooring, adding an extra room, balcony/terrace maintenance, etc.

Personal Loan for Debt Consolidation

Purpose: IDFC FIRST Bank offers a Debt Consolidation Loan to its applicants for making repayment towards debt, loans and credit card dues.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

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I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

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Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Great Customer support and response

Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

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ABhisekh BordoloiSep 21, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025

Feedback - Customer support

I recently received a quick loan through PaisaBazaar, and I want to sincerely appreciate the excellent customer support I received from Ms. Abhinaya ( Customer EW33882) During a critical financial situation, her guidance and support were truly exceptional. She was patient, professional, and empathetic throughout the process, making sure I understood everything clearly and felt confident in my decisions. Thank you, Ms. Abhinaya, and PaisaBazaar, for being there when I needed it most.

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