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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.
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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Open Account NowGet instant loan up to ₹10 lakhs from the IDFC FIRST Bank app and website.
Loan amount
Loan term in months
Choose the Interest Rate
Your EMI will be
*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Need urgent funds? Get up to ₹10 lakh instantly with FIRSTmoney via IDFC FIRST Bank app. Here's why you should consider FIRSTmoney when looking for the best loan apps:
-Apply in a 100% digital manner with no paperwork
-Get funds in your bank account in 30 minutes
-Enjoy zero foreclosure charges, so you can repay early without penalties
With interest rates starting at just 9.99% p.a.*, FIRSTmoney makes personal loans smarter, faster, and completely paperless.
FIRSTmoney by IDFC FIRST Bank is a 100% digital personal loan via app designed for every need. From medical bills and home repairs to weddings, travel, or emergencies get instant funds in just 30 minutes.
FIRSTmoney, the instant personal loan via app, is built for ease. With a simple interface and smooth navigation, applying for and managing your personal loan is quick and effortless.
Complete your personal loan application online without any physical documents or branch visits.
Close your loan anytime without penalty. Save on interest costs and stay in full control of your finances.
Need more money later? Access additional funds directly through the app without starting a new application.
Get instant disbursal in as little as 30 minutes. Fast, paperless, and hassle-free.
Choose your repayment tenure from 9 to 60 months with EMIs tailored to your budget.
We do not have any hidden fees or surprises. All charges are clearly displayed upfront.
Open the IDFC FIRST Bank app and visit FIRSTmoney under Loans or simply click on 'Apply Now' on this page
Enter your Aadhaar linked mobile number and verify with OTP
Enter basic details like PAN, Aadhaar and DOB
Select your loan amount and tenure
Add your account details to receive funds
Finish your V-KYC by showing your physical PAN card.
Once verified, the loan amount is credited directly to your bank account
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It’s important to understand the interest rates, processing fees, and charges that affect your total personal loan cost. With FIRSTmoney personal loan by IDFC FIRST Bank, you get transparent pricing and affordable rates designed to fit your budget.
You can also use the personal loan EMI calculator to estimate your EMI amount.
Here's the full list of charges for a FIRSTmoney personal loan by IDFC FIRST Bank:
Type of Charges | Fees |
Processing fee | 2% of the total loan amount including GST |
Rate of Interest | ROI Starting from 10.99% |
Stamping charges | As per State’s Stamp Act |
Penalty on overdue EMIs | 2% of the unpaid EMI |
EMI Bounce Charges | EMI Bounce Charges 7.5% of the EMI/ Outstanding amount (minimum ₹ 400 & maximum ₹ 1000) |
Payment swap charges (Charges for changing the mode of EMI payment) | ₹500 + taxes per instance |
Foreclosure Charges | NIL (Customers will have to provide the sanction letter at the time of foreclosing the loan) |
Part Pre-Payment | Not allow |
EMI Pickup/Collection Charges | ₹ 500.00 |
Duplicate No Objection Certificate Issuance Charges | ₹ 500.00 |
Physical Statement of Account/Repayment Schedule | ₹ 500.00 |
Foreclosure / Prepayment charges | NIL |
Document retrieval charges (per retrieval) | ₹ 500.00 |
Cooling-Off Period (Borrower can exit the loan within the cooling-off period by paying the principal and the proportionate charges without any penalty. The loan can be cancelled within 3 days in the cooling off period) | 3 days |
*GST, as applicable, will be levied on all service charges.
Explore what major charges mean when applying for a personal loan through IDFC FIRST Bank’s mobile app or website.
● Processing Fee: It is a one-time charge that you need pay during the loan application.
● Interest Charge: It is the amount that you need to pay in addition to the principal loan amount to the bank when repaying your loan.
● EMI Bounce Charge: It is a charge levied by the bank when there is insufficient balance in the account to pay the EMI.
● Foreclosure Charge: In case you wish to close your loan before the end of the tenure, some banks may ask for foreclosure charges. With IDFC FIRST Bank, you don’t need to worry about any extra charges for closing your personal loan.
● Overdue EMI Charge: If the EMI remains unpaid on or before the due date, a penalty is applied on the unpaid EMI known as the overdue EMI charge.
Enjoy pocket-friendly interest rates with no hidden charges
Getting a personal loan at a low interest rate involves several factors. To begin with, ensure you maintain a good credit score as it significantly impacts the interest rate offered to you. Additionally, consider opting for a bank like IDFC FIRST Bank that offers flexible repayment options and competitive rates. Utilising the IDFC FIRST Bank loan app can be beneficial, as it provides competitive interest rates tailored to your credit profile, along with transparent terms and conditions.
Apps like the IDFC FIRST Bank Mobile Banking app with FIRSTmoney Smart and Instant Personal Loans are highly recommended due to their user-friendly interface, quick approval process, and competitive interest rates. The IDFC FIRST Bank loan app offers features like instant loan approvals, EMI calculators, and personalised loan offers, making the borrowing experience convenient and hassle-free.
Yes, IDFC FIRST Bank's app allows pre-closure of your FIRSTmoney smart personal loan without any foreclosure charges. Whether it’s a small loan or a big one, you can repay the loan early at your convenience, providing you with complete flexibility.
To be eligible for a FIRSTmoney loan, you must be an Indian citizen between 21-60 years of age with a stable income and good credit history. Both salaried and self-employed individuals can apply.
You only need to show your PAN card during the V-KYC (Video KYC) process when applying for a loan through IDFC FIRST Bank’s loan app.
Once your loan is approved, the amount is credited to your account instantly, typically within minutes.
No, there are no hidden charges. FIRSTmoney maintains complete transparency with its charges, including a minimal processing fee and no foreclosure charges.
Using an instant personal loan app is simple and convenient. Start by downloading the app from the App Store or Play Store and registering with your details. Next, set up your login credentials and MPIN. Once done, you can explore the loan options, customise loan amounts and tenure, and submit your application. With the IDFC FIRST Bank loan app, you can track your application status in real-time and receive instant approvals, making the entire process seamless and efficient.
To get an instant loan from the app, follow these steps:
Yes, instant loan apps like the IDFC FIRST Bank Mobile Banking app are safe to use. Such apps by reputable banks follow stringent security measures to protect your personal and financial information. Additionally, they comply with regulatory guidelines to ensure transparency and fairness in loan transactions.
FIRSTmoney is IDFC FIRST Bank's instant personal loan that offers loans from ₹50,000 to ₹10 lakh with disbursal in just 30 minutes. It's a 100% digital platform that allows you to get multiple loans from a single approved offer without reapplying.
The FIRSTmoney app offers unique advantages:
• Instant disbursal in 30 minutes vs 2-3 days for traditional loans
• Zero foreclosure charges vs 4-5% penalty in traditional loans
• Multiple loans facility - take multiple loans from the approved offer
• Paperless Process - no physical document submission required. You only need to display your physical PAN card during the Video KYC process
• EMI on utilized amount only - pay EMI only on what you borrow
Yes, the FIRSTmoney app is completely safe. It follows all RBI guidelines for digital lending, uses end-to-end encryption, OTP-based authentication, and secure document storage. IDFC FIRST Bank is a scheduled commercial bank regulated by the Reserve Bank of India.
You can apply if you meet these criteria:
• Age: 21-60 years
• CIBIL Score: Minimum 730
• Employment: Salaried or self-employed with stable income
• Residency: Indian resident
• Paperless Journey: Get Instant loan approval with just your PAN & Aadhar number
You only need:
• PAN card (Digital/ Physical)
• Aadhar number (for identity verification) No physical documents or extensive paperwork required.
Yes, the app provides an instant pre-approval check using CIBIL integration. You can check your eligibility without affecting your credit score.
• Loan Amount: ₹50,000 to ₹10 lakh
• Tenure: 9 to 60 months (flexible tenure for each loan)
• Interest Rate: Starting from 9.99% p.a. (based on your credit profile)
Once your loan offer is approved, you can:
• Take multiple loans from the approved offer
• Choose different tenures for each loan (9-60 months)
• No reapplication needed for additional loans
• When you repay a loan completely, that amount becomes available again for new loans
No, you only pay EMI on the amount you withdraw. If you're approved for ₹5 lakh but withdraw only ₹2 lakh, your EMI will be calculated only on ₹2 lakh.
Yes, you can prepay or foreclose your loan at any time with zero penalty charges. There are no foreclosure fees, unlike traditional personal loans.
• Processing Fee: 2% of loan amount (lower than traditional loans)
• Interest Rate: Starting at 9.99% p.a.
• Foreclosure Charges: Zero
• EMI Bounce Fee: 7.5% of EMI/Outstanding amount (minimum ₹400, maximum ₹1000)
No, all fees and charges are transparently disclosed in the app. There are no hidden costs or surprise fees.
Your loan amount will be credited to your bank account within 30 minutes of approval. This is significantly faster than traditional personal loans that take 2-3 days.
Your approved loan offer remains valid for 5 years from the first loan disbursal date. You can take multiple loans within this period without fresh approvals.
• Auto-debit: Set up automatic EMI deduction from your bank account
• Manual payment: Pay through the app using the Quickpay link.
• Prepayment: Enjoy EMI prepayments anytime without penalty
• In-app management: Track EMIs, download statements, and manage repayments
The IDFC FIRST Bank Personal Loan is a m-web journey available on all devices. This journey can also be taken by the Instant app supported on Android.
You can contact our 24/7 customer support at 1800-10-888 for any assistance. The app also has in-built support features for common queries.
Yes, the app provides complete loan management features including:
• Real-time loan status tracking
• EMI schedule and payment history
• Statement downloads
• Foreclosure management
• EMI calculator
If your EMI bounces due to insufficient funds, a bounce fee of 7.5% of the EMI/Outstanding amount will be charged (minimum ₹400, maximum ₹1000).
Yes, FIRSTmoney is perfect for medical emergencies as you can get funds within 30 minutes of approval. The instant disbursal feature makes it ideal for urgent financial needs.
Absolutely! Entrepreneurs and self-employed individuals can benefit from the flexible multiple loans facility, allowing them to access funds as per their business cycles without reapplying each time.
Yes, the multiple loans facility makes it perfect for recurring expenses like education fees or wedding costs. You can take separate loans as expenses arise, all from your pre-approved limit.
You can use FIRSTmoney to pay off high-interest credit cards or other expensive loans, potentially saving on interest costs with our competitive rates starting at 9.99% p.a.
Download the official IDFC FIRST Bank: Personal Loan app from Google Play Store:
No, you don't need an existing IDFC FIRST Bank account to apply for FIRSTmoney personal loan. The app is designed for both existing and new customers.
Once you download and open the app, the personal loan application journey begins immediately. You'll be guided through the simple application process step by step.