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Instant ₹70,000 Personal Loan Online in India
Apply online for quick approval, flexible EMIs, and zero foreclosure charges
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Personal Loan EMI Calculator
Loan amount
₹100K
₹10L
Loan term in months
Repay anytime with 0 Foreclosure charges!
9 Months
60 Months
Choose the Interest Rate
Lowest interest rate unlocked!
%
9.99%
38 %
Your EMI will be
₹5,072/month*
Total Interest Payable
₹43,435
Total Amount Payable
₹2,43,435
Check your eligibility
*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Apply for a ₹70,000 Personal Loan with FIRSTmoney
Whether it's covering an unexpected medical expense, funding a short-term project, or bridging a financial gap, a personal loan that is disbursed quickly can prove to be immensely helpful. With IDFC FIRST Bank's FIRSTmoney, you can apply for this loan instantly, ensuring quick access to the required funds. With competitive interest rates, FIRSTmoney offers smart personal loans that can go up to ₹10 lakhs with benefits like swift disbursal, flexible tenures, and zero foreclosure charges.
Features and Benefits of a ₹70,000 Personal Loan
Lower interest means easier repayments. With interest rates starting at 9.99% p.a., FIRSTmoney personal loans keeps your EMIs manageable and your repayment affordable so you can borrow smart and stay stress-free.
Foreclosure Benefits
Why wait when you can repay your loan? FIRSTmoney gives you the freedom to close your loan early with zero foreclosure charges. You save more and get debt-free sooner, without incurring any penalties.
Multiple On-Demand Loans
Plans can change and expenses can grow. FIRSTmoney lets you opt for additional loan amount with ease—no fresh paperwork, no complex steps, just a few clicks. Just more support, whenever you need it.
100% Digital Application
Say goodbye to long forms and hello to convenience. With FIRSTmoney, everything happens online—from application to approval. Just click on “Apply Now” and begin a smooth, paperless journey tailored to your financial needs.
Flexible Loan Repayment
Your personal loan should work around your life, not the other way around. With FIRSTmoney, you can choose a repayment plan that suits you, with flexible tenures from 9 to 60 months and EMI date between 3rd to 8th of a month.
Swift Disbursal
In a hurry? FIRSTmoney’s instant approval and rapid disbursal (within 30 minutes) ensure you get access to funds exactly when you need them, all via a fully digital platform.
₹70,000 Personal Loan Eligibility and Documentation
Eligibility Criteria for ₹70,000 Personal Loan
FIRSTmoney smart personal loans are available to individuals with a good credit score. Here are the basic eligibility requirements.
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- * 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.
Required Documentation for ₹70,000 Personal Loan
Here are the documents required for a ₹70,000 Personal Loan:
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How can you calculate your personal loan EMI?
The Bank uses reducing balance method to calculate the EMI for a ₹70,000 personal loan through FIRSTmoney, this technique determines interest based on the remaining loan balance. While the EMI remains constant throughout repayment, the portion allotted to principal repayment grows while the interest component diminishes over time.
For easy calculation of your EMIs, consider utilising the Personal Loan EMI Calculator. Simply adjust the slider to input the following details: the loan amount, interest rate, and tenure. You can also determine a repayment figure for amounts below and above ₹ 70,000 that aligns comfortably with your financial requirements.
To calculate the equated monthly installment (EMI) for your loan, you can use a personal loan EMI calculator available on the IDFC FIRST Bank website. Simply enter the loan amount, interest rate, and tenure to get an accurate EMI figure
Loan Amount (Rs.) | Interest Rate (p.a) | Tenure | Approx EMI (Rs.) |
₹70,000 | 9.99% | 9 months | ₹8,105 |
₹70,000 | 9.99% | 1 year | ₹6,154 |
₹70,000 | 9.99% | 2 years | ₹3,230 |
₹70,000 | 9.99% | 3 years | ₹2,258 |
₹70,000 | 9.99% | 4 years | ₹1,775 |
₹70,000 | 9.99% | 5 years | ₹1,487 |
How to apply for ₹ 70,000 personal loans using FIRSTmoney?
Applying for FIRSTmoney smart personal loan is so easy. Just follow the steps below:
Step 1
Start by scanning the QR code or clicking loan from your smartphone.
Step 2
Register using your mobile number and confirm basic/personal details to check your eligibility.
Step 3
Choose your loan preferences, including the tenure and repayment terms.
Step 4
Link your bank account where you wish the funds to be disbursed.
Step 5
Complete the video KYC verification process with your physical PAN card.
Once done, access your loan instantly and fulfil your financial requirements without any delays.
Our App Ratings
1.74 million+
Happy users
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Interest rate for a ₹70,000 Personal Loan starts at 9.99% p.a
Click on ‘Know More’ to view full details of fees and charges
Frequently Asked Questions
How can I apply for a ₹70,000 personal loan with FIRSTmoney?
You can apply for a ₹70,000 personal loan through IDFC FIRST Bank’s online portal or mobile app. You can complete the application process in minutes by scanning the QR code, then entering your details and completing the verification process with just your PAN card.
What are the eligibility criteria for a ₹70,000 personal loan?
The eligibility for a FIRSTmoney loan includes having a credit score of 710 and above, a stable income source through salary or self-employment, and being in the age bracket of 21 to 60 years.
What documents are required to apply for a ₹70,000 personal loan?
To apply for ₹70,000 personal loan with FIRSTmoney, you only need your PAN card during the V-KYC (Video KYC) process.
What is the interest rate for a ₹70,000 personal loan with FIRSTmoney?
Interest rates for a ₹70,000 personal loan vary based on your credit profile and financial status. FIRSTmoney offers competitive rates, which will be specified at the time of submitting the loan application.
What is the maximum loan amount available through FIRSTmoney?
With FIRSTmoney, you can get instant personal loans of up to ₹10 lakhs, providing flexibility for larger financial needs beyond the ₹70,000 loan to meet your varying needs.
What is the repayment tenure for a ₹70,000 personal loan?
The repayment tenure for a ₹70,000 personal loan can range from 9 months to 5 years, depending on the terms offered and your repayment capacity. However, you can close your loan anytime by paying in full without any foreclosure charges.
Are there any processing fees for a ₹70,000 personal loan?
There is a 2% processing fee of the principal loan amount including GST when you apply for a FIRSTmoney smart personal loan.
Can I foreclose my ₹70,000 personal loan?
Yes, you can foreclose your loan. FIRSTmoney often allows foreclosure without penalties. You can close your loan anytime without worrying about the charges.
How quickly can I get the funds from a ₹70,000 personal loan?
Funds are usually disbursed instantly upon approval, often within a few minutes to hours, depending on the completeness of your application and verification process.
What is EMI of a ₹70000 Loan?
To calculate the EMI for a ₹70000 Loan, you can use a personal loan EMI calculator.
What is the processing fee on a ₹70,000 personal loan?
For a ₹70,000 personal loan, IDFC FIRST Bank charges processing fees starting from 2%, offering easy online application.
Get FIRSTmoney Smart Personal Loan of Different Amounts
Different ways you can use a FIRSTmoney Personal Loan
Wedding loan
Big moments deserve beautiful memories. With a FIRSTmoney personal loan for wedding, you can plan your perfect day down to the last detail. From destination to decor, we help you say ‘I do’ without stressing about the dues. Apply online and make it magical, effortlessly.
Travel loans
Your passport’s ready! So why not your budget? A FIRSTmoney personal loan for travel can help you take care of tickets, stays, activities, and more. Whether it’s a quick escape or a bucket-list trip, enjoy instant funds with minimal paperwork. With flexible tenures and zero collateral, all that’s left to do is pack your bags.
Education loans
Bridge the gap between ambition and opportunity. A FIRSTmoney personal loan for education supports students and professionals alike with tuition, living expenses, or upskilling costs. With quick disbursal and repayment options that match your goals, your journey to success starts right here.
Home renovation loans
Refresh your living space the easy way. A FIRSTmoney personal loan for home renovation helps you upgrade interiors, fix essential repairs, or modernise your home without financial disruption. Easy eligibility, fast approval, and complete control over how you reimagine your space.
