What's special about us
Zero Charges on 28 Commonly Used Savings Account Services
- About Us
- MD & CEO letter about the bank
- MD & CEO
- Our History
- Letter to Shareholders on the 1st Annual Report after Merger
- Letter to Shareholders on the 2nd Annual Report after Merger
- Letter to Shareholders on the 3rd Annual Report after Merger
- Letter to Shareholders on the 4th Annual Report after Merger
- Board of Directors
- Awards & Accolades
- News Room
- Investors
- Careers
- ESG
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- Accounts
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Deposits
IDFC FIRST Bank Deposits
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Loans
IDFC FIRST Bank Loans
View all Loans - Wealth & Insure
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Payments
IDFC FIRST Bank Payments
View all Payments - Cards
- Rocket Current Account
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Cash Management Services
IDFC FIRST Bank Cash Management Services
View all Cash Management Services - Supply Chain Finance
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Corporate Lending
IDFC FIRST Bank Lending
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Treasury
IDFC FIRST Bank Treasury
See more details - NBFC Financing
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Customer care hotlineCall 1800 10 888
Accounts
- IDFC FIRST Bank Accounts
- Savings
Account - Corporate Salary
Account - Senior Citizens
Savings Account - First Power
Account - Current
Account - NRI Savings
Account - TASC Institutional
Account - Savings Account
Interest Calculator
Deposits
- IDFC FIRST Bank Deposits
- Fixed
Deposit - Recurring
Deposit - NRI Fixed Deposit
- Safe Deposit Locker
- FD Calculator
- RD Calculator
Loans
- IDFC FIRST Bank Loans
- Personal Loan
- Consumer Durable
Loan - Home Loan
- Education Loan
- New Car Loan
- Pre-owned Car Loan
- Two Wheeler Loan
- Pre-owned Two
Wheeler Loan - Commercial Vehicle
Loan - Gold Loan
- Loan Against Property
- Easy Buy EMI card
- Personal Loan
EMI Calculator - Education Loan
EMI Calculator - Home Loan
EMI Calculator
Wealth & Insure
- IDFC FIRST Bank Wealth & Insure
- FIRST Select
- FIRST Wealth
- FIRST Private
- Mutual Funds
- Sovereign Gold Bond
- Demat & Trading account
- Term Insurance
- Life Insurance
- Health Insurance
- General Insurance
Payments
- IDFC FIRST Bank Payments
- FASTag
- Credit Card
Bill Payments - UPI
- Funds Transfer
- Retail Forex
- Pay Loan EMI
Cards
MSME Accounts
- IDFC FIRST Bank MSME Accounts
- Current Account
- Merchant Multiplier
Account - Startup Current
Account - Agri Multiplier
Account - TASC Institutional
Account - Dynamic Current
Account - Freedom Current
Account - World business
Account
Trade Services
MSME Loan
- IDFC FIRST Bank Business Loans
- Unsecured - Business Loan
- Unsecured - Professional Loan
- Secured - Loan Against Property
- Working Capital Loan
- Construction Equipment Loan
MSME Solutions
- IDFC FIRST Bank Business Solutions
- Payments
- Collections
- Tax Payments
- Doorstep Banking
- Point of Sale (POS)
Offers
Cash Management Services
Corporate Lending
Treasury
NRI Savings Account
NRI Fixed Deposit
FOREX Solutions
Transfer to NRE
About Us
- MD & CEO letter about the bank
- MD & CEO
- Our History
- Letter to Shareholders on the 1st Annual Report after Merger
- Letter to Shareholders on the 2nd Annual Report after Merger
- Letter to Shareholders on the 3rd Annual Report after Merger
- Letter to Shareholders on the 4th Annual Report after Merger
- Board of Directors
- Awards & Accolades
- News Room
Investors
Careers
ESG
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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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Interest Rate
Refer to the table below to know the current consumer durable loan rates
| Product | Minimum ROI (%) | Maximum ROI (%) |
| Consumer Durable Loan | 10.25* | 27** |
* For net tenure 12months and above, minimum ROI is 10.5% | **T&C Applied
Charges / Fees
| Type of Fees | Applicable Charges | Remarks |
| Processing Fees | As applicable | Fees are applicable at the time of loan agreement execution |
| Facilitation Fees | Rs.199 | Other/ Bureau Pull Charges (Including GST) |
| EMI Bounce Charges | Upto Rs. 400 | Per instance of dishonour of cheque /SI/ECS/NACH debit instruction + GST as applicable |
| Penal charges/ Late Payment/Default interest/Overdue | Upto 2% per month of the overdue instalment or Rs. 300 whichever is higher | Any delay in payment of monthly installment/ EMI shall attract penal interest per month on the Monthly Instalment/EMI Outstanding, from the date of default until the receipt of Monthly Instalment/ EMI. |
| Swap Charges (Cheque/ Repayment Instrument) | Nil | (Cheque/ Repayment Instrument) |
| EMI Pick up/ Collection Charges | Upto Rs.350 | Per Pick up /collection |
| Tech bounce charges | Rs.300 | Per tech bounce charge + GST as applicable |
| Foreclosure Charges | Upto 5% of principle - outstanding amount | Foreclosure of the loan is possible anytime during the loan tenure |
Easy Buy EMI Card Fees
| Type of Fees | Applicable Charges | Remarks |
| Easy Buy EMI Card Fees | Upto Rs. 530 | One time charges (Including GST) |
| Card Replacement Fees | Upto Rs. 100 | Per instance (Including GST) |
| EBC & Push Card Annual Fee | Upto Rs. 99 | Annual fee will only be charged to the Easy Buy EMI Card (Including GST) |
Other Charges
| Type of Fees | Applicable Charges | Remarks |
| Cancellation & Rebooking charges | Rs. 1000 or 5% of loan amount - whichever is higher |
Cancellation request to be received within 30 days or 1st EMI presentation date, post which cancellation will be treated as foreclosure. |
| Duplicate No Objection certificate/No Due Certificate |
Upto Rs. 500 | Request in addition to bank’s issued letter |
| Duplicate Statement issuance charges | Upto Rs. 500 | Per instance per set + GST as applicable. |
| Stamp Duty | Not Applicable | |
| Part Payment Charges | Not Applicable | |
| Pre EMI | Not Applicable | |
| Loan Rescheduling Charges | Not Applicable |
Disclaimer:
GST, as applicable, will be levied on all service charges. The pre-payment/foreclosure/part payment of the loan has to be done using customer’s own funds. The Services accounting code would be provided by IDFC FIRST Bank and shall be binding on customer. In case customer is related person to IDFC FIRST Bank, GST, as may be applicable, needs to be paid by customer. The above Schedule of Charges is subject to be revised from time to time by the Bank, as will be updated on the official website of the Bank.
