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Apply for a ₹9 lakh personal loan online

Unexpected expenses can arise at any moment in today’s fast-paced world, and you might need a personal loan worth ₹9 lakh to take care of various bills. These expenses could include paying for a dream wedding, higher education, home renovation, or even for a medical emergency. IDFC FIRST Bank understands these needs and offers a unique borrowing solution that simplifies the process of obtaining a personal loan for your dynamic needs.

With a FIRSTmoney loan, you can easily secure a loan of ₹9 lakh through a seamless digital experience, realising your financial dreams without the usual hassles of traditional loan procedures. What sets FIRSTmoney apart is the flexibility to opt for multiple on-demand loans from your approved loan offer and repay EMIs only on the withdrawn funds. Moreover, you can repay the loan amount in full anytime without incurring any foreclosure charges.

Apply now

Benefits of a ₹9 lakh personal loan using FIRSTmoney

100% digital journey

100% digital journey:

Experience a fully-digital loan process with zero paperwork. Customise your loan according to your financial requirements throughout the application. Simply scan the QR code and get started

Multiple on-demand loans with one single application

Multiple on-demand loans with one single application:

Access funds whenever you need without reapplying for a new loan. With a FIRSTmoney loan, you can now borrow preferred amounts from your pre-qualified loan offer and only pay interest on the withdrawn amount.

Foreclosure benefits

Foreclosure benefits:

Want to foreclose your loan? With FIRSTmoney, you can repay your loan in full anytime without incurring foreclosure charges.

Flexible loan repayment

Flexible loan repayment options:

Choose a customisable EMI plan that suits your needs. Opt for a repayment tenure ranging from 9 to 60 months, ensuring you repay your loan without any financial stress.

Swift disbursal:

Swift disbursal:

Get your loan in minutes with no lengthy paperwork to worry about! With FIRSTmoney, you can now access up to ₹9 lakh through a fast, seamless, and completely online process.

Disbursal within 30 minutes

Disbursal within 30 minutes

Get access to your approved loan amount through a fast, secure, and 100% online process.

Get Digital Personal Loan

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

Get Higher Amount

Personal Loan Eligibility and Documentation

Eligibility Criteria for a ₹9 Lakh Personal Loan

To apply for a FIRSTmoney personal loan, you need to meet the following basic criteria:

  • eligibility CIBIL score: Applicants need to have a good credit record with a CIBIL score of 730 and above.
  • eligibility Employment: FIRSTmoney loans are available to salaried and self-employed individuals.
  • age Age: Anyone aged between 21 to 60 years can apply for this loan.
Documents required for a ₹9 lakh personal loan

With FIRSTmoney smart loans, you can skip the hassle of lengthy paperwork. Simply display your physical PAN card during the video KYC to save time and effort.

Eligibility

How can you calculate your personal loan EMI?

The reducing balance method is employed to calculate the EMI for a ₹9 lakh personal loan. 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 EMI calculations, use the Personal Loan EMI Calculator. Adjust the slider to input the loan amount, interest rate, and tenure. This tool helps you determine a comfortable repayment figure for amounts below and above ₹9 lakh.

How to apply for a ₹9 lakh personal loan using FIRSTmoney

Step 1

Start by scanning the QR code or clicking the loan link from your smartphone.

Step 2

Register using your mobile number and confirm basic/personal details to check your eligibility.

Step 3

Select the loan amount of your choice starting from as little as ₹50,000 up to your full 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

How long does it take to get a loan approved and disbursed

The loan approval and disbursal process with FIRSTmoney is swift and effortless. Once your application and documents are verified, the loan amount is usually disbursed instantly in your bank account.

What are the interest rates for a personal loan of ₹9 lakh?

The interest rates for FIRSTmoney personal loans are competitive starting at 9.99% APR and vary based on your credit score and repayment history. 

Can I foreclose my personal loan before the tenure ends?

Yes, FIRSTmoney offers foreclosure benefits allowing you to close your loan early without any additional charges, helping you save on interest payments.

Is the application process completely digital?

Absolutely! FIRSTmoney provides a 100% digital journey from application to disbursal, ensuring a hassle-free experience without the need for physical visits.

What is the eligibility criteria for a ₹9 lakh FIRSTmoney loan?

To be eligible, you must be an Indian citizen aged between 21 and 60 years, salaried or self-employed earning a stable income, and possess a good credit score of 730 or more.

How can I calculate my EMI for a personal loan of ₹9 lakh?

You can use the EMI calculator available on the FIRSTmoney webpage. Input the loan amount, interest rate, and tenure to get an accurate estimate of your monthly instalments.

Are there flexible repayment options available?

Yes, FIRSTmoney offers flexible loan repayment options. You can choose a tenure that fits your financial situation, ranging from 9 months to 5 years.

How do I apply for a FIRSTmoney loan of ₹9 lakh?

To apply, visit the FIRSTmoney website, fill out the application form with your personal and financial details, complete the KYC process, and submit your application. Once approved, the loan amount will be disbursed directly to your bank account.

More FAQs

How to Calculate Your EMI

Use the IDFC FIRST Bank Personal Loan EMI Calculator.
Use the IDFC FIRST Bank Personal Loan EMI Calculator. ₹5 lakh Personal Loan
Enter the loan amount, interest rate, and tenure using sliders or text fields.
Enter the loan amount, interest rate, and tenure using sliders or text fields. ₹4 lakh Personal Loan
Get a clear view of your repayment amount for loans up to ₹9 lakh or more.
Get a clear view of your repayment amount for loans up to ₹9 lakh or more. ₹3 lakh Personal Loan

Different Types of Personal Loan for you

Travel Loan

Travel Loan

With competitive rates and flexible terms, a FIRSTmoney smart personal loan empowers you to book premium accommodations, indulge in once-in-a-lifetime experiences, and create unforgettable memories without compromise. Apply for a travel loan seamlessly on an end-to-end digital journey and make Instant bookings without dipping into your savings.

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Emergency Loan

Emergency Loan

In times of financial emergencies, FIRSTmoney smart personal loan stands as a beacon of stability and support. Instead of depleting your savings or tapping into your investment accounts, this smart personal loan enables you to preserve your financial reserves for long-term goals. Here's how our emergency loan can be a lifeline during uncertain exigencies.

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Wedding Loan

Wedding Loan

Make your wedding dreams a reality with our smart personal loan for weddings designed exclusively for those who deserve it the most. Rather than depleting your savings or resorting to high-interest credit cards, a FIRSTmoney smart personal loan allows you to maintain financial stability as you start a new chapter of your life.

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Medical Loan

Medical Loan

Medical emergencies often come with unexpected expenses and a personal loan can offer access to quick funds. You get the financial flexibility to explore various treatment options, including specialists & alternative therapies ensuring that you can pursue the best possible care for yourself or your loved ones. FIRSTmoney – our smart personal loan for medical expense, offers invaluable support and peace of mind during medical emergencies

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Home Improvement Loan

Home Improvement Loan

Renovating your home or any structural upgrades can put a significant financial strain on your savings and personal loan proves to be a reliable solution. Manage and plan your home improvement expenses depending on your needs with home renovation loan.

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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

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

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

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What is a No Objection Certificate?

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What is personal loan disbursement and how does it work?

What is personal loan disbursement and how does it work?

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Compare foreclosure charges across lenders: Why FIRSTmoney offers greater value

Compare foreclosure charges across lenders: Why FIRSTmoney offers greater value

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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

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