CKYC Registry
Find all the help you need
Scan the QR, get our app, and find help on your fingertips
Support topics, Contact us, FAQs and more
Are you ready for an upgrade?
Login to the new experience with best features and services
Are you ready for an upgrade?
Login to the new experience with best features and services
IDFC FIRST Bank Deposits
View all DepositsIDFC FIRST Bank Loans
View all LoansIDFC FIRST Bank Payments
View all PaymentsIDFC FIRST Bank Cards
View all CardsIDFC FIRST Bank Cash Management Services
View all Cash Management ServicesIDFC FIRST Bank Lending
View allIDFC FIRST Bank Treasury
See more detailsSupport topics, Contact us, FAQs and more
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.
Most Searched
Top Products
Popular Searches
Bank Accounts
Populer FAQs
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
Sorry!
We couldn’t find ‘’ in our website
Here is what you can do :
Suggested
Get a Credit Card
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account NowPersonal Loan
Imagine this: You need ₹1 lakh urgently for a medical emergency or to book your flight tickets for a foreign trip. You apply for a personal loan online but are offered a high interest rate. At the same time, when your friend applies, they get a lower interest rate. So, what makes the difference? Most probably, your CIBIL score.
For any loan applicant, a CIBIL score is of utmost importance. It can determine your interest rate, approval chances and even the loan amount.
So, what is considered a good CIBIL score? And how can you make sure it works in your favour?
CIBIL Score Range |
Creditworthiness |
Loan Approval Likelihood |
NA/NH or -1 |
Not Applicable or No History |
Lenders may be hesitant to approve your loan application due to the lack of a credit history. |
300–549 |
Poor |
Loan approval is unlikely as lenders consider you a high-risk borrower. |
550–649 |
Average |
You will face difficulty in qualifying for new loans or credit cards due to higher perceived risk. You may face higher interest rates, lower loan amounts. |
650–699 |
Fair |
Loan approval is possible, with higher interest rates, stricter terms, or lower loan amounts. |
700–749 |
Good |
There’s a good chance of approval, but you might receive slightly higher interest rates or less favorable terms. |
750–900 |
Excellent |
You are considered a prime borrower, increasing your approval chances with favorable terms and lower interest rates. |
👉 A CIBIL score of 750 and above is considered excellent. However, with IDFC FIRST Bank you can get a personal loan starting at 730 CIBIL Score.
• Instant Approvals – Many lenders provide instant personal loan approvals if you have a high credit score.
• Lower Interest Rates – A higher credit score means you’re more likely to get loans at the lowest interest rates. For products like home loan or car loan, you can find information on how interest rates are correlated with your CIBIL score on bank websites.
• Higher Loan Amount– For example, someone with a 780 CIBIL score may be approved for a loan of ₹10 lakhs, while someone at 640 may only qualify for ₹3–5 lakhs.
Consider two people applying for a ₹5 lakh personal loan for 5 years:
• Suvarna (CIBIL score: 780) is offered a personal loan at 9.99% p.a. Thus her EMI = ₹10,621 → Total interest ≈ ₹1,37,264
• Rajesh (CIBIL score: 650) is offered a personal at 15% p.a. Thus his EMI = ₹11,895 → Total interest ≈ ₹2,13,698
Suvarna can save nearly ₹76,434 simply because of a higher CIBIL score.
Most banks and lenders require a minimum CIBIL score of 700 for personal loans. However, a CIBIL score of 750 and above can significantly improves your chances of getting the best personal loans.
• At 650–699, you may face higher rates and lower loan amounts.
• At 700–749, approval chances improve but not at the best terms.
• At 750+, you’re in the prime category for affordable loans.
• Pay EMIs & Credit Card Bills on Time – Payment history can make up to 35% of your credit score. Missing a single EMI or bill can drop your CIBIL score.
• Keep Credit Utilisation Below 30% – If your credit card limit is ₹1 lakh, try not to spend beyond ₹30,000 at a time. This includes any amount converted into EMIs.
• Maintain a Healthy Mix of Credit – Having a healthy mix of secured (home loan) and unsecured (credit cards) builds credibility. However, this factor accounts for only 10% of your CIBIL score calculation.
• Avoid Frequent Loan or Credit Card Applications – Too many loan or credit card applications in a short period of time signal desperation and lower your CIBIL score.
• Check Your CIBIL Report Regularly – Keep a track of your CIBIL score and report using reliable websites and apps. Report any errors or inconsistencies immediately.
If you’ve worked hard to build a strong CIBIL score, you deserve a loan that matches it. FIRSTmoney Personal Loan is designed for those who value convenience, transparency, and control.
• Low interest rates starting at 9.99% p.a.
• Zero foreclosure charges
• 100% digital application and instant approval
• Quick disbursal within 30 minutes
With IDFC FIRST Bank you can get a personal loan with a CIBIL score of 730 and above.
Yes, but you may face higher interest rates and limited eligibility. Most lenders prefer a CIBIL score of 700 and above.
No. Soft enquiries (checking your own CIBIL or credit score) do not affect it. However, if a lender does a hard enquiry, it does impact your CIBIL score.
With disciplined financial (credit) behaviour, you can improve your score in 6–12 months.
Customers with a 730+ CIBIL score can apply for a IDFC FIRST Bank personal loan.
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.