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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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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.
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2. Scroll down to "Track my service requests" to find all your requests
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Apply NowPersonal Loan
Everything you need to know about 100% digital personal loans with a focus on how IDFC FIRST Bank's FIRSTmoney personal loan offering.
Ten years ago, getting a personal loan meant weeks of paperwork, physical visits to a branch, and constant follow-ups. Today? You can get the funds you need within a few hours — entirely online.
Welcome to the world of digital lending, where fintech meets finance to help you borrow smarter, not harder.
At IDFC FIRST Bank, we’re leading this transformation with our FIRSTmoney Personal Loan which is built for salaried professionals and self-employed individuals looking for speed, transparency, and zero-hassle personal financing.
A digital personal loan is an unsecured loan that can be applied for, processed, and disbursed completely online without any physical documentation or branch visits.
All you need is:
Here’s how digital personal loans (like FIRSTmoney) work in India in 2025:
Step |
What Happens |
1. Eligibility Check |
You share basic details: income, residence, PAN to check your eligibility |
2. Loan Offer Generation |
Based on credit score and profile, the system generates real-time, customized offers |
3. Document Upload |
Upload salary slips, bank statements, or link your bank account via netbanking |
4. eKYC & Verification |
Aadhaar-based OTP verification + digital bank statement validation |
5. Instant Approval |
Automated system verifies and approves application, often in a few minutes |
6. Disbursal |
Loan amount is credited to your bank account within a few hours |
No manual intervention. No queues. No waiting weeks for a callback.
Built for working professionals, freelancers, and anyone with a strong credit record.
Let’s say you take a ₹1,00,000 loan with FIRSTmoney at 9.99% p.a. for 24 months.
Loan Amount |
₹1,00,000 |
Tenure |
24 months |
Monthly EMI |
~₹4,614 |
Total Interest Paid |
~₹10,745 |
Total Repayment |
₹1,10,745 |
You can also prepay anytime with no extra charges, helping you save more in the long run.
PRO TIP: Calculate your personal loan EMI using this calculator.
Yes, as long as you are taking loans from reputed banks like IDFC FIRST Bank that use encrypted, RBI-compliant platforms for secure document and data handling.
Only when you apply (a "hard inquiry") or miss payments. If you repay on time, it in fact improves your credit score.
You may still get approved but likely at a higher rate or for a smaller amount. Always check pre-approved offers first.
Digital lending is no longer the future — it’s today. If you need quick funds for a wedding, medical emergency, travel, or debt consolidation, a digital personal loan can offer flexibility without friction.
And with IDFC FIRST Bank’s FIRSTmoney loan, you also get:
Check your eligibility in under 2 minutes and experience paperless borrowing starting at 9.99% p.a.
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.