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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.
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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Apply NowApply online for personal loans anytime through the IDFC FIRST Bank website or mobile banking app. Follow a few easy steps to get a personal loan, all without the need for physical documentation. The application process is 100% digital, accessible via the IDFC FIRST Bank Mobile Banking app.
The process is simple and paperless, allowing you to avail instant personal loans online at any time to meet your financial needs. Enjoy benefits like extended repayment tenures, competitive interest rates, and ZERO foreclosure charges.
Whether you’re applying for a new loan or managing existing ones, FIRSTmoney puts control in your hands. Start your journey towards financial flexibility with the IDFC FIRST Bank loan app today.
* CIBIL Score is a 3-digit numeric summary of your credit history, derived by using details found in the ‘Accounts’ and ‘Enquiries’ sections on your CIBIL Report and ranges from 300 to 900. The closer your score is to 900, the higher are the chances of your loan application getting approved.
Display your physical PAN card during the VKYC process.
Display your physical PAN card during the VKYC process.
Interest rates, fees, and charges can significantly increase the overall loan cost, so it is important to note the charges before submitting your loan application. IDFC FIRST Bank offers low charges and interest rates for your affordability and convenience, including personal loan processing fees.
Here is the list of charges for a FIRSTmoney loan:
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.
IDFC FIRST Bank's mobile banking app offers a seamless, 100% digital experience to access instant loans. Simply download the IDFC FIRST Bank app and register or log in with your account credentials.
Subsequently, scan the QR code with your mobile phone and fill in all the details. Once you have completed the V-KYC using your PAN, the bank verifies and approves your loan offer depending on your credit health and income.
With flexible repayment options and zero foreclosure charges, managing your loan is easy through the IDFC FIRST Bank banking app. FIRSTmoney ensures a hassle-free, fast cash solution for your financial needs at the touch of a button.
Get FIRSTmoney Smart Personal Loan of Different Amounts
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.