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Get ₹80,000 Personal Loan Instantly with FIRSTmoney

In need of quick financial assistance? IDFC FIRST Bank’s FIRSTmoney offers a smart personal loan solution, allowing you to access an ₹80,000 personal loan that can go up to ₹10 lakhs depending on your loan eligibility. Whether you're managing medical emergencies, planning a vacation, getting a home renovation done, or need funds urgently, this smart personal loan is designed to cater to various urgent financial needs.

Apply now

Features and Benefits of an ₹80,000 Personal Loan

Foreclosure Benefits

Foreclosure Benefits

Pay your loan off early, on your terms. With FIRSTmoney, there are no foreclosure charges. So, when you’re ready to close your loan, you can do it without any extra cost or hassle.

100% Digital Journey

100% Digital Journey

Skip the paperwork and go fully digital. FIRSTmoney lets you apply for a personal loan online, customise the offer as per your needs, and get things done in minutes. Just click on “Apply Now” and complete the process from wherever you are.

Low Interest Rates

Low Interest Rates

Keep your personal loan budget-friendly from the start. FIRSTmoney offers attractive interest rates starting at 9.99% per annum. Lower rates mean manageable EMIs and more flexibility in your budget for other priorities.

Flexible Repayment Options

Flexible Repayment Options

Repay your personal loan the way it suits you. Choose a repayment tenure between 9 and 60 months and design an EMI plan that fits your lifestyle and budget. With FIRSTmoney, flexibility comes built in.

Multiple On-Demand Loans

Multiple On-Demand Loans

Need more funds after your loan starts? FIRSTmoney has got you covered. Access additional money anytime without reapplying from scratch. It’s flexible, easy, and ready to support your changing needs.

Swift Disbursal

Swift Disbursal

With FIRSTmoney, your personal loan approval is instant, and funds are disbursed quickly within 30 minutes. The entire process is online, fast, and efficient. Get instant access to funds in just a few clicks.

Eligibility Criteria for a ₹80,000 Personal Loan

Eligibility
  • eligibility CIBIL score: To obtain the FIRSTmoney smart loans, applicants need to have a good credit record and a CIBIL score of 730 and above.
  • eligibility Employment: FIRSTmoney smart personal loans are available to salaried and self-employed individuals.
  • eligibility Age: Anyone aged between 21 to 60 years can apply for this smart personal loan.
Documents
  • documentation Remove the hassles of lengthy documentation with FIRSTmoney smart loans. You can save your time and effort to focus on other things. To apply for a ₹ 80,000 personal loan from FIRSTmoney, all you need is to present your physical PAN card at the time of video KYC.
Eligibility

What is the EMI for a ₹80,000 personal loan

The EMI for a ₹80,000 personal loan at IDFC FIRST Bank is calculated using the reducing balance method. In this method, the interest is calculated only the outstanding balance, rather than the original loan amount. This ensures you pay less interest over time.

The bank uses reducing balance method to calculate the EMI for a ₹80,000 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 ₹ 80,000 that aligns comfortably with your financial requirements.

For effortless calculation of your EMIs, consider utilising the Personal Loan EMI Calculator.

How to apply for ₹ 80,000 personal loans using FIRSTmoney

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.

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Interest rates for 80,000 personal loan start @9.99% p.a.

Interest rates for a ₹80,000 personal loan start @9.99% p.a.

Visit the Fees and Charges section to know more.

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Frequently asked questions

What are the eligibility criteria for a ₹80,000 personal loan?

The eligibility for FIRSTmoney includes having a credit score of 730 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 ₹80,000 personal loan?

To apply for ₹80,000 personal loan with FIRSTmoney, you only need your PAN card during the V-KYC (Video KYC) process.

How can I apply for a ₹80,000 personal loan with FIRSTmoney?

You can apply for a ₹80,000 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 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 ₹80,000 loan to meet your varying needs.

What is the repayment tenure for a ₹80,000 personal loan?

The repayment tenure for a ₹80,000 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.

What is the interest rate for a ₹80,000 personal loan with FIRSTmoney?

Interest rates for a ₹80,000 personal loan vary based on your credit profile and financial status. FIRSTmoney offers competitive rates, which will be specified at the time of application.

Are there any processing fees for a ₹80,000 personal loan?

There is a 2% processing fees of the principal loan amount including GST when you apply for a FIRSTmoney smart personal loan.

How quickly can I get the funds from a ₹80,000 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.

Can I foreclose my ₹80,000 personal loan?

Yes, you can foreclose your FIRSTmoney loan without incurring any penalties.

What is the interest for a 80000 Personal Loan?

The personal loan interest rate for an ₹80,000 loan at IDFC FIRST Bank starts at 9.99% per annum. The final rate may vary depending on your credit history, income, and loan tenure.

What is EMI of a ₹80000 Loan?

To calculate the EMI for a ₹80000 Loan, you can use a personal loan EMI calculator. 

What is the processing fee on an ₹80,000 personal loan?

IDFC FIRST Bank applies personal loan processing fees starting from 2% for an ₹80,000 loan, with clear and affordable terms.

More FAQs

Choose your personal loan amount with FIRSTmoney

₹10 lakh Personal Loan
₹10 lakh Personal Loan ₹10 lakh Personal Loan
₹9 lakh Personal Loan
₹9 lakh Personal Loan ₹9 lakh Personal Loan
₹8 lakh Personal Loan
₹8 lakh Personal Loan ₹8 lakh Personal Loan
₹7 lakh Personal Loan
₹7 lakh Personal Loan ₹7 lakh Personal Loan
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₹5 lakh Personal Loan
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₹3 lakh Personal Loan
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₹2 lakh Personal Loan
₹2 lakh Personal Loan ₹2 lakh Personal Loan
₹70000 Personal Loan
₹70000 Personal Loan ₹70000 Personal Loan
₹60000 Personal Loan
₹60000 Personal Loan ₹60000 Personal Loan
₹50000 Personal Loan
₹50000 Personal Loan ₹50000 Personal Loan

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