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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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Education Loan Fees & Charges

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Charges

Types of Charges Charges
Processing fees Up to Rs. 7.5 Lacs – NIL

Above Rs. 7.5 Lacs -Up to 1.5%* of the Loan Amount or as per any special scheme run by the bank.
Stamping Charges As per actuals
Cancellation charges 1%* of the loan amount + interest accrued from date of disbursal till receipt of cancellation request

Cancellation request to be received within 30 days or 1st EMI presentation date, post which cancellation will be treated as foreclosure
Foreclosure / Prepayment charges** NIL
Loan re-scheduling charges (per re scheduling) NIL
Part Payment charges NIL
Initial Money Deposit Charges NA
** Applicable only for individual borrowers

EMI related charges

Types of Charges Charges
EMI Bounce charges per presentation 7.5% of EMI bounced with minimum charge of Rs. 400 & maximum of Rs. 1000 (excluding GST)
Penal charges (per month) 2%* per month of the unpaid EMI or INR 300* whichever is higher
EMI Pickup/ Collection Charges INR 500*
Cheque swap charges (per swap) INR 500*

Other charges

Types of Charges Charges
Duplicate No Objection Certificate Issuance Charges INR 500*
Physical Repayment Schedule INR 500*
Physical Statement of Account INR 500*
Document retrieval charges (per retrieval) INR 500*
List of Documents INR 500*
Switching charges(Switch from Floationg to Fixed Rate) 0.1% of sanctioned loan amount or Rs. 10,000/- whichever is lower,excluding applicable taxes

GST, as applicable, will be levied on all service charges. 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.

*Terms & Conditions Apply

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