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  Upto Rs.* Remarks
Processing fees Processing Fees of upto 3.5% will be be deducted from the loan amount at the time of disbursal. Collected at the time of loan disbursal

Other Charges


  Upto Rs. Remarks

EMI bounce charges


For each presentation dishonoured

Repayment instrument swap charges


per change request

Statement of Account (Adhoc/Duplicate)



Duplicate No Objection certificate / No Dues Certificate


Per request, in addition to Bank's issued letter

Cancellation/Rebooking Charges

1% of the loan amount + interest from date of disbursal till receipt of cancellation request Cancellation request to be received within 30 days of loan booking date or 1st EMI presentation date, whichever is earlier. Post which cancellation will be treated as foreclosure

Stamping Charges

As per actuals


Physical Repayment Schedule

Rs. 500


Document retrieval charges (per retrieval)

Rs. 500


EMI Pick up/ Collection Charges

Rs. 350


Foreclosure charges

5% of loan amount

Foreclosure/Prepayment of the loan is possible anytime during the loan tenure after payment of 12 or more EMIs. Foreclosure to be made from customers own funds.

Charges on account of delayed payments / defaults


Overdue Interest 2% of the unpaid EMI or Rs 300 whichever is higher

Part Prepayment fees

  Upto Rs. Remarks
Simple Personal Loans Not applicable Part Prepayment Facility not available for Simple Personal Loans
Smart Personal Loans Maximum 40% of current Principal Outstanding is allowed for part payment once in a FY. This option is available only post initial 3 EMI payments. For availing this option 2% part payment charges is applicable on partial payment.

Foreclosure charges

  Upto Rs. Remarks
Simple Personal Loans and
Smart Personal Loans
5% of Principal loan outstanding

Interest Rate

Interest Rate Interest Rate on your loan will be the rate as applicable at the time of signing the loan agreement basis actuals. Interest for the month will be charged on the EMI cycle basis loan outstanding on daily basis for actual number of days in a month
Registration Charges Agreement registration charges will be on actuals, to be deducted from the loan amount at the time of disbursal


* Loans less than 1 lakh will have a flat Processing Fee of Rs 2999/-

All fees/charges to be paid shall be exclusive of goods and services tax (GST), as may be applicable. The pre-payment/foreclosure/part payment of the loan has to be done using customer’s own funds The Services accounting code would be provided by IDFC FIRST Bank and shall be binding on customer. In case customer is related person to IDFC FIRST Bank, GST, as may be applicable, needs to be paid by customer. The above stipulated Schedule of Charges is subject to be revised from time to time by the Bank as will be updated on the official website of the Bank

Know More

Calculate Interest Rate

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