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See more detailsCustomer care hotline Call 1800 10 888
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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How do I upload my signature?
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
How do I track service requests which I have already raised?
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
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Apply NowItems | Charges | Remarks |
---|---|---|
Processing Fees ( Inclusive of Administrative Charges ) |
Upto 3.5% of loan amount | Taken at the time of loan agreement execution |
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 |
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 |
5% of principal outstanding. Waiver in the foreclosure charges are provided to MSME's as per guidelines.
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