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₹10 Lakh Personal Loan with FIRSTmoney

Are you planning a dream vacation, looking to renovate your home, or managing unexpected medical expenses? IDFC FIRST Bank’s FIRSTmoney smart personal loan of ₹10 lakh can be your financial saviour, providing the flexibility required to meet various expenses effortlessly.

With FIRSTmoney's innovative smart personal loan, you can access funds of up to ₹10 lakhs quickly and efficiently, ensuring that your financial needs are met without any undue stress. The fully digital process, coupled with attractive features like multiple on-demand loans with just a single loan application, flexible repayment options, zero foreclosure charges, and a swift disbursal process, ensures that you get the funds you need with ease and convenience.

Apply now

Benefits of a ₹10 lakh personal loan with FIRSTmoney

Zero Foreclosure Charges

Zero Foreclosure Charges

With FIRSTmoney, you can foreclose your ₹10 lakh personal loan anytime without any charges.

100% Digital Process

100% Digital Process

Get instant loan approval with 100% online application without any paperwork or collateral.

Multiple On-Demand Loans

Multiple On-Demand Loans

Access more funds whenever you need without reapplying. Pay interest only on the amount you use.

Flexible Repayment

Flexible Repayment

Repay your ₹10 lakh personal loan flexibly by choosing a preferred tenure between 9 months to 60 months.

Instant Disbursal

Instant Disbursal

Get ₹10 lakh loan amount disbursed to your bank account instantly under 30 minutes.

Get Digital Personal Loan

Need up to ₹1 crore? Apply for our Personal Loans with minimal documentation

Get Higher Amount

₹10 Lakh Personal Loan Eligibility and Documentation

Eligibility criteria for a ₹10 lakh personal loan

FIRSTmoney smart personal loans are available to individuals with a good credit score. Here are the basic eligibility requirements.

  • eligibility CIBIL score: To obtain the FIRSTmoney loan, applicants need to have a good credit score of 730 and above.
  • employment Employment FIRSTmoney loans are available to salaried as well as self-employed individuals.
  • age Age: Anyone aged between 21 to 60 years can apply for this loan.
Documents required for a ₹10 lakh personal loan

To apply for a ₹10 lakh personal loan from FIRSTmoney, all you need is to present your Aadhaar card number and physical PAN card at the time of completing the video KYC process.

Eligibility

How to apply for a ₹10 lakh personal loan?

Step 1

Click on 'Apply Now' or Scan the QR Code

Step 2

Enter your details and verify your mobile number

Step 3

Select the loan amount of your choice starting from ₹50,000 up to your approved loan amount and choose flexible 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 Aadhaar card number and physical PAN card.

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Know your personal loan fees and charges

Know Your Personal Loan Fees & Charges

Enjoy pocket-friendly interest rates with no hidden charges

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Frequently Asked Questions

What is the eligibility criteria for availing a FIRSTmoney loan?

The eligibility criteria for ₹10 lakh loans typically include factors such as your age, income, employment status, and credit score. To qualify for a FIRSTmoney loan, you must be between 21 to 60 years old, be a salaried or self-employed individual earning a stable income, and possess a good credit score of 730 and above.

Do I need to provide collateral to get a ₹10 Lakh loan?

No, instant personal loans are unsecured, meaning you do not need to provide any collateral or security to avail them. This reduces the documentation and processing time, making it a convenient option for those in need of quick funds.

How can I calculate my monthly EMIs for a personal loan?

You can easily calculate your monthly EMIs using a personal loan EMI calculator. Simply input the loan amount, tenure, and interest rate, and the calculator will provide you with the EMI amount, helping you plan your repayment effectively.

Can I foreclose my FIRSTmoney loan? Are there any charges for foreclosure?

Yes, you can foreclose your FIRSTmoney loan without incurring any foreclosure charges. This allows you to repay the loan ahead of schedule, saving on interest and reducing your overall debt burden.

How long does it take to get approval for an instant personal loan?

With FIRSTmoney's seamless digital process, approval for a personal loan can be obtained within minutes of submitting your application. Once approved, the loan amount is disbursed swiftly to your bank account, ensuring timely access to funds.

Are there any hidden charges associated with instant personal loans?

FIRSTmoney believes in transparency and clarity, with no hidden charges associated. All applicable fees and charges are clearly outlined in the loan agreement, ensuring full disclosure to our customers.

More FAQs

Choose your personal loan amount with FIRSTmoney

₹5 lakh Personal Loan
₹5 lakh Personal Loan ₹5 lakh Personal Loan
₹4 lakh Personal Loan
₹4 lakh Personal Loan ₹4 lakh Personal Loan
₹3 lakh Personal Loan
₹3 lakh Personal Loan ₹3 lakh Personal Loan
₹2 lakh Personal Loan
₹2 lakh Personal Loan ₹2 lakh Personal Loan
₹80000 Personal Loan
₹80000 Personal Loan ₹80000 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

Different Types of Personal Loan for you

Travel Loan

Travel Loan

Turn your travel dreams into reality with FIRSTmoney smart personal loans. From luxury getaways to bucket-list adventures, get funds for them all at competitive rates and convenient repayment options. Enjoy a seamless digital journey and book your trip instantly—while keeping your savings intact.

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Emergency Loan

Emergency Loan

When urgent expenses arise, you can rely on a FIRSTmoney smart personal loan for instant support. Keep your long-term savings secure while handling short-term financial challenges. See why an emergency loan is the smart choice for managing unexpected situations.

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Wedding Loan

Wedding Loan

Begin your happily-ever-after without financial worries. FIRSTmoney smart personal loan for weddings helps you plan the celebration you’ve always wanted—while safeguarding your savings and future goals. Say ‘yes’ to your dream wedding stress-free.

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Medical Loan

Medical Loan

Health crises often come unannounced, but you can be prepared with a FIRSTmoney smart personal loan. Access immediate funds and enjoy the freedom to choose advanced treatments or specialized care. Ensure the best for you and your family without worrying about financial hurdles.

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Home Improvement Loan

Home Improvement Loan

Turn your living space into the home you’ve always wanted with FIRSTmoney. Whether it’s modern upgrades or essential repairs, a home renovation loan gives you the flexibility to fund your plans without compromising your financial stability. Apply now and renovate stress-free.

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Personal Loan Tips & Insights: Your Guide to Smarter Borrowing

5 tips to get a personal loan with a low CIBIL score

5 tips to get a personal loan with a low CIBIL score

01 July 2025 | 5 mins read
Prepayment of personal loans: What you need to know before repaying your dues early

Prepayment of personal loans: What you need to know before repaying your dues early

01 July 2025 | 5 mins read
Step-by-step guide to checking your personal loan status

Step-by-step guide to checking your personal loan status

01 July 2025 | 5 mins read
What is a No Objection Certificate?

What is a No Objection Certificate?

01 July 2025 | 5 mins read
What is personal loan disbursement and how does it work?

What is personal loan disbursement and how does it work?

01 July 2025 | 5 mins read
Compare foreclosure charges across lenders: Why FIRSTmoney offers greater value

Compare foreclosure charges across lenders: Why FIRSTmoney offers greater value

01 July 2025 | 5 mins read
How Much Personal Loan Can You Get on Your Salary? An Eligibility Guide for 2025

How Much Personal Loan Can You Get on Your Salary? An Eligibility Guide for 2025

01 July 2025 | 5 mins read
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