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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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Instant Personal Loan for Women
Empower your dreams with FIRSTmoney
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Personal Loan EMI Calculator
Loan amount
₹100K
₹10L
Loan term in months
9 Months
60 Months
Choose the Interest Rate
9.99%
38 %
Your EMI will be
₹2,174/Lakh
*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Personal loans for women
Empower your financial journey with FIRSTmoney from IDFC FIRST Bank, a smart personal loan designed for flexibility and convenience. While not exclusive to women, FIRSTmoney’s unique features make it an ideal choice for women seeking tailored financial solutions for education, emergencies, travel, business ventures and more.
With loans up to ₹10 lakh, women can use it to meet both personal and business needs. Additionally, with low interest rates starting at 9.99% p.a. and zero foreclosure charges, you can repay your loan affordably. Applying is easy with a 100% digital process and no paperwork whatsoever.
Benefits of personal loans for women: The FIRSTmoney advantage
Access Funds on Your Terms
Get approved up to ₹10 lakh and use only what you need, when you need it.
Pay Interest Only on What You Use
FIRSTmoney calculates interest only on the utilised sum, saving you money and aligning with your budget.
Repay Early, Penalty-Free
Clear your loan anytime with zero foreclosure charges, perfect for women managing irregular income.
Fast, 100% Digital Process
Apply online with minimal documentation and get instant approval and disbursal within 30 minutes.
Flexible Repayment Options
Choose tenures from 9 to 60 months to match your income flow, making EMIs manageable for salaried or self-employed women.
Competitive Rates, No Hidden Fees
Starting at 9.99% p.a. with a one-time processing fee and no maintenance costs, FIRSTmoney keeps borrowing affordable.
How to apply for a personal loan for women
Step 1
Click on ‘Apply Now’ to start your personal loan application process
Step 2
Register with your mobile number
Step 3
Confirm basic details to check eligibility
Step 4
Choose loan preferences and link your bank account
Step 5
Once verified, get the loan amount in 24 hours
Personal Loan Eligibility and Documentation
Eligibility
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Documents required for a personal loan for women
To apply for a personal loan for women via FIRSTmoney, you will need the below-mentioned documents:
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Interest Rate & Charges
| Type of Charge | Fee/Charge |
| Processing fee | 2% of the total loan amount (incl. GST) |
| Rate of interest | Starting from 9.99% |
| Stamping charges | As per State’s Stamp Act |
| Penalty on overdue EMIs | 2% of unpaid EMI |
| EMI bounce charges | EMI Bounce Charges 7.5% of the EMI/ Outstanding amount (minimum ₹ 400 & maximum ₹ 1000) |
| Payment swap charges | ₹500 + taxes per instance |
| Foreclosure charges | NIL (Foreclosure requires a sanction letter) |
Why Women Love FIRSTmoney?
Its flexi-loan structure, quick access, and cost-saving features rival women-specific loans, offering the independence to fund your aspirations, be it a business venture, higher education, or a family celebration, without collateral or complexity.
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Know Your Personal Loan Fees & Charges
Enjoy pocket-friendly interest rates with no hidden charges
Popular Personal Loan FAQs
What is a personal loan for women?
A personal loan for women is a personal loan designed exclusively for women to support their personal or business needs. This collateral-free loan offers a hassle-free application process, minimal documentation, zero foreclosure charges, and a loan amount up to ₹10 lakh, empowering women to take charge of their financial goals with ease and confidence.
How to apply for a personal loan for women instantly?
To apply for a personal loan for women through FIRSTmoney, customers can click on ‘Apply Now’, register using their mobile number, and check their loan eligibility by enter basic details. Later, they can choose their loan preferences like the loan amount and desired tenure. Once approved, the proceeds get disbursed with a few hours.
What are the eligibility criteria for personal loan for women?
Women applicants should have a stable source of income to avail a personal loan for ladies. They must be between the age range of 21 to 60 years and have a CIBIL score of 730 or more. The loan is available to both salaried and self-employed women who meet the bank’s lending criteria.
What is the tenure for a personal loan for women?
A personal loan for ladies comes with flexible repayment tenure options, allowing them to repay the loan in comfortable EMIs. The exact tenure can vary depending on the applicant’s eligibility, but typically ranges between 9 months to 60 months, ensuring affordability without compromising on financial stability.
What are the uses of a personal loan for women?
A personal loan for working women can be used for a variety of purposes—facing a medical emergency, planning a wedding, covering travel costs, or any other personal expense. A personal loan for women offers the financial freedom to meet short-term goals without the need for collateral or lengthy approval processes.
How much time does it take to get a personal loan for women?
Once the verification process completes and the loan amount is approved, the women’s personal loan is processed swiftly. Approval and disbursement can happen within a few hours, depending on the applicant's profile and documentation. The bank aims to offer a smooth and timely experience to eligible female borrowers.
How much loan can I take under a personal loan for women?
Under the personal loan for women scheme, eligible women can avail a loan amount of up to ₹10 lakh. This amount has been thoughtfully structured to meet various financial needs while ensuring responsible borrowing. The bank ensures that the offering remains affordable and accessible to a wide segment of female applicants.
How to get a personal loan for a housewife?
A housewife may apply if she has a regular income source through salary or self-employment.
What is the minimum and maximum amount for personal loans for women?
Under the women’s personal loan scheme from IDFC FIRST Bank’s FIRSTmoney, female applicants can avail a minimum loan amount of ₹ 50,000 to a maximum amount of ₹10 lakh.
How can I improve my credit score to get a personal loan for women?
To improve your credit score, repay existing EMIs on time, reduce credit utilisation, and avoid multiple loan applications within short periods. Regularly check your credit report for errors and maintain a healthy credit mix. These steps increase loan eligibility and improve chances of a quick approval.
How much loan can I take under a personal loan for women?
Eligible applicants can receive an amount up to ₹10 lakh under the women’s personal loan scheme. The offering is structured to provide swift, low-risk credit access to women while supporting personal, entrepreneurial, or emergency needs.
Do women get personal loan at a lower interest rate?
IDFC FIRST Bank’s personal loans for women are known for offering one of the lowest interest rates in the industry starting at just 9.99% per annum. Apart from the competitive interest rates, the bank also offers access to industry-leading digital services such as instant loan approvals and a completely online paperless loan process.
Is any guarantor required while applying for personal loan for ladies?
No guarantor is required for a personal loan for women. It is a collateral-free loan designed for independent access. However, applicants must meet basic eligibility criteria like age, income proof, and creditworthiness to qualify without a co-signer.
Choose your personal loan amount with FIRSTmoney
Avail Low Interest Personal Loans in Your City
Apply for a Personal Loan online in select major cities and get quick access to the funds you need. Enjoy a seamless digital process from application to approval, with minimal documentation. Get the loan amount credited to your account effortlessly and meet your financial needs with ease.
Personal Loan Tips & Insights: Your Guide to Smarter Borrowing
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