What's special about us
Enjoy Zero Charges on All Commonly Used Savings Account Services
- About Us
- MD & CEO letter about the bank
- MD & CEO
- Our History
- Letter to Shareholders on the 1st Annual Report after Merger
- Letter to Shareholders on the 2nd Annual Report after Merger
- Letter to Shareholders on the 3rd Annual Report after Merger
- Letter to Shareholders on the 4th Annual Report after Merger
- Board of Directors
- Awards & Accolades
- News Room
- Investors
- Careers
- ESG
-
Login
Are you ready for an upgrade?
Login to the new experience with best features and services
- Accounts
-
Deposits
IDFC FIRST Bank Deposits
View all Deposits -
Loans
IDFC FIRST Bank Loans
View all Loans - Wealth & Insure
-
Payments
IDFC FIRST Bank Payments
View all Payments - Cards
- Rocket Current Account
-
Cash Management Services
IDFC FIRST Bank Cash Management Services
View all Cash Management Services - Supply Chain Finance
-
Corporate Lending
IDFC FIRST Bank Lending
View all -
Treasury
IDFC FIRST Bank Treasury
See more details - NBFC Financing
-
Login
Are you ready for an upgrade?
Login to the new experience with best features and services
-
Customer care hotlineCall 1800 10 888
Accounts
- IDFC FIRST Bank Accounts
- Savings
Account - Corporate Salary
Account - Senior Citizens
Savings Account - First Power
Account - Current
Account - NRI Savings
Account - TASC Institutional
Account - Savings Account
Interest Calculator
Deposits
- IDFC FIRST Bank Deposits
- Fixed
Deposit - Recurring
Deposit - NRI Fixed Deposit
- Safe Deposit Locker
- FD Calculator
- RD Calculator
Loans
- IDFC FIRST Bank Loans
- Personal Loan
- Consumer Durable
Loan - Home Loan
- Education Loan
- New Car Loan
- Pre-owned Car Loan
- Two Wheeler Loan
- Pre-owned Two
Wheeler Loan - Commercial Vehicle
Loan - Gold Loan
- Loan Against Property
- Easy Buy EMI card
- Personal Loan
EMI Calculator - Education Loan
EMI Calculator - Home Loan
EMI Calculator
Wealth & Insure
- IDFC FIRST Bank Wealth & Insure
- FIRST Select
- FIRST Wealth
- FIRST Private
- Mutual Funds
- Sovereign Gold Bond
- Demat & Trading
Account - Term Insurance
- Life Insurance
- Health Insurance
- General Insurance
Payments
- IDFC FIRST Bank Payments
- FASTag
- Credit Card
Bill Payments - UPI
- Funds Transfer
- Retail Forex
- Pay Loan EMI
Cards
MSME Accounts
- IDFC FIRST Bank MSME Accounts
- Current Account
- Merchant Multiplier
Account - Startup Current
Account - Agri Multiplier
Account - TASC Institutional
Account - Dynamic Current
Account - Freedom World
Current Account - World business
Account
Trade Services
MSME Loan
- IDFC FIRST Bank Business Loans
- Unsecured - Business Loan
- Unsecured - Professional Loan
- Secured - Loan Against Property
- Working Capital Loan
- Construction Equipment Loan
MSME Solutions
- IDFC FIRST Bank Business Solutions
- Payments
- Collections
- Tax Payments
- Doorstep Banking
- Point of Sale (POS)
Offers
Cash Management Services
Corporate Lending
Treasury
NRI Savings Account
NRI Fixed Deposit
FOREX Solutions
Transfer to NRE
About Us
- MD & CEO letter about the bank
- MD & CEO
- Our History
- Letter to Shareholders on the 1st Annual Report after Merger
- Letter to Shareholders on the 2nd Annual Report after Merger
- Letter to Shareholders on the 3rd Annual Report after Merger
- Letter to Shareholders on the 4th Annual Report after Merger
- Board of Directors
- Awards & Accolades
- News Room
Investors
Careers
ESG
-
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.
-
-
FIRSTmoney Fees & Charges
The interest rates at IDFC FIRST Bank are regularly updated depending on market conditions. Refer to the table below to know our current loan rates.
| Product type | Minimum ROI (Fixed ROI – Monthly Reducing) | Maximum ROI (Fixed ROI – Monthly Reducing) |
|---|---|---|
| FIRSTmoney | 10.99% | 23.99% |
Refer the table below to know applicable Schedule of Charges:
| Types of Fees | Applicable Charges |
|---|---|
| Processing fees (including GST)
|
2% |
| Late payment/Penal charges | 2% of the unpaid EMI |
| Stamping Charges | As per actuals |
| EMI Bounce charges per presentation | ₹ 500.00 |
| Cheque/ Mandate Swap charges (per swap) | ₹ 500.00 |
| EMI Pickup/Collection Charges | ₹ 500.00 |
| Duplicate No Objection Certificate Issuance Charges | ₹ 500.00 |
| Physical Statement of Account/Repayment Schedule | ₹ 500.00 |
| Foreclosure / Prepayment charges | NIL |
| Document retrieval charges (per retrieval) | ₹ 500.00 |
| Cooling-Off Period (Borrower can exit the loan within the cooling-off period by paying the principal and the proportionate charges without any penalty. The loan can be cancelled within 3 days in the cooling off period) | 3 days |
GST, as applicable, will be levied on all service charges.
The above Schedule of Charges is subject to revisions from time-to-time by the Bank, and will be updated here on the official Bank website.
Please refer your loan document for all the schedule of charges applicable to your loan.
