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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Business Loan Fees and Charges

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Charges

Items Charges Remarks
Processing Fees
( Inclusive of Administrative Charges )		 Upto 3.5% of loan amount Taken at the time of loan agreement execution

Other Charges

Items Charges Remarks
Repayment instrument swap charges Nil  
Duplicate No Objection certificate /No Dues Certificate ₹500 Per extra copy requested beyond the original issued by the bank
Other Statutory / Facilitation charges e.g. Stamp duty etc on actuals  
Cancellation & booking charges

• INR 10,000 towards Cancellation in case of uncashed disbursal Cheque. 

• INR 10,000 + Interest from date of disbursal till receipt of cancellation request, in case of uncashed disbursal Cheque. 

Please note: Cancellation request to be received within 30 days, post which cancellation will be treated as foreclosure.

  
Physical repayment schedule      ₹500  
Physical statement of loan  ₹500  
Cheque swap charges  Nil  
Document retrieval charges 
 NA  
Stamping Charges
 As per actuals  
Part Payment charges
 Part Payment is not allowed  

Charges on account of delayed payments / defaults

Items Charges Remarks
Late Payment/Penal Charges/Default Interest/Overdue(Per Month)
 2% of the unpaid EMI or ₹300 whichever is higher  
EMI Pickup/Collection Charges
 ₹500  
EMI bounce charges 7.5% of EMI bounced with minimum charge of Rs. 400 & maximum of Rs. 1000 (excluding GST) Effective from April 1, 2025
Overdue handling charges (Delinquent Accounts) At actuals plus applicable taxes  

Foreclosure charges

5% of principal outstanding. Waiver in the foreclosure charges are provided to MSME's as per guidelines.

Charges on Dropline Overdraft facility

1. Annual Renewal Charge - 0.5% of the limit

2. Under-Utilisation Charges - If average quarterly utilisation is <25% of drawing power, then quarterly 0.25% will be charged on the difference between actual average utilisation and expected average utilisation (i.e. 25%), subject to a minimum of Rs.2500

3. Penal Charges on overdrawn accounts - 2% per annum on the overdrawn amount

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