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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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*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Need funds for something important? A personal loan is a reliable solution. Whether a medical emergency, a dream vacation, or a home makeover, a personal loan can help you manage it all without the need to pledge any collateral.
With IDFC FIRST Bank’s FIRSTmoney Personal Loan, getting a ₹5 lakh loan is quick, easy, and seamless. Enjoy features like competitive interest rates starting at 9.99% p.a., zero foreclosure charges, and a 100% digital, DIY application process — so you can apply anytime, anywhere.
Pick a repayment plan that suits you, with flexible tenures ranging from 9 to 60 months. Plus, enjoy instant disbursal and minimal paperwork.
Looking for a smart, seamless borrowing experience for a ₹5 lakh loan? FIRSTmoney’s got you covered.
With no paperwork and Aadhaar-PAN based verification, you can apply from anywhere without the hassle of physical paperwork. The entire loan journey is digital, ensuring both speed and convenience.
Want to repay early? With IDFC FIRST Bank, you can close your loan anytime without foreclosure charges, giving you control over your interest outgo.
The IDFC FIRST Bank mobile app makes applying for a ₹5 lakh personal loan effortless. From checking eligibility to completing the application process, everything can be done in just a few clicks.
If you require more funds beyond your existing loan, you can request additional amounts instantly via the app without lengthy procedures.
Once approved, your ₹5 lakh loan is credited to your bank account swiftly, often within hours, ensuring timely access to funds.
Depending on eligibility, you can avail loans up to ₹10 lakh, giving you the flexibility to fund bigger expenses with ease.
Repay at your pace with EMIs spread across 9 to 60 months. Choose a tenure and an EMI amount that fit your financial planning.
Thinking of applying for a ₹5 lakh personal loan? Here’s why you should choose FIRSTmoney:
• Receive up to ₹5 lakh in your account within 30 minutes.
• Enjoy complete freedom to pre-close the loan with zero foreclosure costs.
• Apply anytime, anywhere through a digital process requiring minimal documents.
• Get on-demand top-up loans quickly, without fresh paperwork.
• Interest rates starting at 9.99% p.a. ensure that your EMIs remain budget friendly.
A ₹5 lakh personal loan empowers you to take care of life’s big and small goals without financial strain. Here are some common uses:
• Cover high medical costs, hospitalisation, or surgeries without disturbing savings.
• Finance weddings, from venue bookings to jewellery and travel arrangements.
• Plan luxury domestic or overseas trips, including flights, hotels, and leisure activities.
• Renovate or redesign your home with style and convenience.
• Fund your child’s education or skill-enhancing courses.
• Manage large expenses during festivals, family occasions, or milestone celebrations.
FIRSTmoney smart personal loans are available to individuals with a good credit score. Here are the basic eligibility requirements.
To apply for a ₹5 lakh personal loan, all you need is:
Applying for FIRSTmoney smart loan is a breeze. Here are the five easy steps:
Start by scanning the QR code or clicking loan from your smartphone
Register using your mobile number and confirm basic/personal details to check your eligibility
Choose your loan preferences, including the tenure and repayment terms
Link your bank account where you wish the funds to be disbursed
Complete the video KYC verification process with your physical PAN card
After your loan is approved, you can start using the funds as per your needs.
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You can check your eligibility for a ₹5 lakh personal loan in the eligibility section of your lender’s official portal. For FIRSTmoney, basic eligibility requirements are a credit score of 730 or above, a stable income through salary or self-employment, and the age bracket between 21 to 60 years.
Click out personal loan eligibility calculator
Interest rates for a ₹5 lakh personal loan are determined based on factors such as your credit score, income stability, employment history, and the policies of the bank.
Click here for personal loan interest rate
Yes, FIRSTmoney offers instant loans of up to ₹10 lakh, subject to the eligibility criteria. Contact IDFC FIRST Bank for specific details on loan amounts and eligibility requirements.
With a FIRSTmoney smart personal loan, you can get a quick loan approval within the same day. In case you need quick funds to meet your urgent requirements, it is one of the most suitable loan options to rely on.
A CIBIL score of 730 and above is generally considered to be good when applying for a personal loan of ₹5 lakh. However, a higher score typically increases the likelihood of loan approval and a favourable interest rate.
The monthly interest on a ₹5 lakh personal loan depends on the applicable interest rate and the loan tenure. You can use the online IDFC FIRST Bank EMI calculator to estimate the monthly interest component based on the chosen interest rate and loan duration.
A foreclose charge refers to the fee charged by a bank if you choose to repay the entire loan amount before the end of the loan tenure. This charge is typically expressed as a percentage of the outstanding loan amount and may vary among lenders. However, a FIRSTmoney smart personal loan gives you the flexibility to repay the amount in full before maturity without any foreclosure charges. This, in turn, helps you close your loan and eliminate financial liabilities early without incurring any additional costs, and hidden personal loan fees & charges
To calculate the EMI for a ₹5 Lakh Loan, you can use a personal loan EMI calculator.
The personal loan processing fees for a ₹5 lakh loan at IDFC FIRST Bank generally start from 2%, depending on the loan terms.
Dreaming of revamping your living space? Whether it’s modernising your kitchen, adding modular furniture, or giving your walls a fresh look, FIRSTmoney’s home improvement loan is designed to support your renovation goals. The digital-first application ensures quick processing, while attractive interest rates and flexible tenures make repayment comfortable.
For unplanned expenses like urgent repairs, family functions, or last-minute purchases, FIRSTmoney’s instant cash loan provides quick liquidity without paperwork or collateral. The loan is processed online, with approvals and fund transfers completed in a short time. With clarity on charges, flexible repayment schedules, and the freedom to close early, this loan ensures you remain financially agile while tackling sudden obligations with ease.
Unforeseen medical treatments, urgent travel, or critical payments can strain finances. FIRSTmoney’s emergency personal loan is designed to bridge such gaps by offering same-day approvals and disbursals directly into your bank account. The loan offers competitive rates, convenient EMI choices, and no foreclosure fees, helping you stay in control while meeting immediate challenges without dipping into your savings or investments.
Make your dream holiday a reality with FIRSTmoney’s travel loan. From booking international flights and hotels to indulging in local experiences, this loan gives you the flexibility to plan without financial stress. The online application is seamless, and approvals are quick, allowing you to focus more on your trip and less on finances.
Planning a wedding is an emotional and financial journey. With FIRSTmoney’s wedding loan, you can handle everything from décor to photography without straining your budget. This loan is designed to ease your planning process through an entirely digital application, fast approvals, and instant disbursals. With repayment tenures ranging between 9 and 60 months and interest rates that won’t break the bank, you can manage costs conveniently.