Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans
The only FASTag with triple benefits
At IDFC FIRST Bank, we want to help you achieve your personal dreams. Whether it is wedding expenses, unforeseen medical bills, funding your dream vacation or renovating your home; IDFC First Bank can help you meet all these diverse financial needs and more with an unsecured personal loan. We have also made it extremely easy with a paperless and hassle-free application process.Read More
Get Personal Loans:
• Up to ₹40 lakhs
• Competitive interest rates starting at 10.49%
• Flexibility to make up to 40%* part payment
• Top-Up Facility
Transfer your existing Personal Loan/Credit Card, and enjoy amazing benefits, including affordable rates and flexible loan tenure ranging from 6 months to 60 months.
Fulfil every dream, and live life to its fullest with IDFC FIRST Bank by your side.
Top Up option*
Already have an IDFC First Bank loan and need more funds?
Get a top-up on your existing loan instead on another loan.
*Terms & Condition ApplyRead Less
For Salaried Individuals:
For Self-Employed Individuals:
Instant Personal Loan disbursal through digital loan journey:
Personal Loans help you borrow money for expenditure of a personal nature – whether for an emergency, education, vacation or any other need like a wedding in the family. You can enjoy great interest rates with IDFC FIRST Bank Personal Loans ranging from ₹20k to ₹40 lakhs, with flexible tenures ranging between 1 to 5 years.
You can avail a Personal Loan from IDFC FIRST Bank for a wide variety of reasons such as weddings, holidays, education, home renovation or emergencies. Personal Loans can help you address your immediate needs and can also be used for borrowing money for not-so-urgent personal expenses. IDFC FIRST Bank offers loans up to ₹40 lakhs, at pocket-friendly EMIs starting at ₹2,149/lakh*, with flexible repayment tenures of up to 5 years.
IDFC FIRST Bank Personal Loans are not secured by any collateral or security, and are disbursed at the discretion of the Bank, based on the creditworthiness of the borrower. There is no need for any co-signee or guarantor either.
IDFC FIRST Bank provides an instant Personal Loan online for both self-employed and salaried individuals. In order to determine your online Personal Loan eligibility , you have to meet certain parameters. We establish eligibility by simply asking a few questions through a form that is available on our website and mobile app. IDFC FIRST Bank will also base your eligibility on your credit score, income, and your existing liabilities, which will be used to ascertain your creditworthiness.
We have one of the lowest interest rate Personal Loans. As such, our Personal Loan interest rates that apply are reducing. This means that as the outstanding principal amount reduces, the interest payable on your loan also reduces.
The financial impact of Covid-19 stalled global economies and made individuals re-evaluate the terms of financial security they hitherto adhered to. Widespread job losses and pay cuts forced people to dip into their savings, increasing national household debts drastically. A 2020 survey by CGAP found 57% of respondents in India struggling with payments and repayment obligations during the pandemic.
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