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AshvaLifestyle1% Forex₹2,999
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MayuraLifestyleZero Forex₹5,999
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FIRST PrivateInvite Only
0% Forex & Travel
- Best for travellers
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MayuraZero ForexMetal₹5,999
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Ashva1% ForexMetal₹2,999
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FIRST WOW!Zero ForexTravelLifetime Free
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FIRST SWYPTravel OffersEMI₹499
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FIRST Select1.99% ForexLifestyleLifetime Free
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FIRST Wealth1.5% ForexLifestyleLifetime Free
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Club VistaraTravelLifestyle₹4,999
Lifetime Free
- Max benefits, Free for life
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FIRST Classic10X RewardsShoppingNever Expiring Rewards
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FIRST Millennia10X RewardsShoppingNever Expiring Rewards
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FIRST Select10X RewardsLifestyle1.99% Forex
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FIRST Wealth10X RewardsLifestyle1.5% Forex
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FIRST WOW!RewardsTravelZero Forex
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LIC ClassicRewardsInsuranceShopping
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10X Rewards
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AshvaLifestyleMetal₹2,999
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MayuraLifestyleZero Forex₹5,999
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FIRST ClassicNever Expiring RewardsShoppingLifetime Free
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FIRST MillenniaNever Expiring RewardsShoppingLifetime Free
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FIRST SelectNever Expiring RewardsLifestyleLifetime Free
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FIRST WealthNever Expiring RewardsLifestyleLifetime Free
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FIRST DigitalVirtualUPI₹199
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FIRST PowerRewardsUPI₹199
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CreditPro Balance TransferTransfer & SaveReduce InterestPay Smartly
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ESG
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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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Populer FAQs
How do I upload my signature?
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
How do I track service requests which I have already raised?
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
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Personal Loan Fees and Charges
Personal loans offer a quick solution for meeting urgent financial needs. However, before securing a personal loan, it's crucial to understand the personal loan fees and charges involved. These fees can vary between lenders and may significantly affect the overall cost of the loan.
With IDFC FIRST Bank’s FIRSTmoney, you can enjoy a transparent loan process with minimal personal loan fees. The FIRSTmoney smart personal loan comes with unique benefits, including ZERO foreclosure fees, flexible repayment options, and competitive interest rates. This makes it an ideal choice to cover dynamic expenses such as medical bills, travel, or home renovation. Plus, the entire loan application process is 100% digital, making it quick and convenient.
List of Personal Loan Fees and Charges
Here is a comprehensive list of personal loan charges for IDFC FIRST Bank's FIRSTmoney:
Type of Charge |
Fee/Charge |
Processing fee |
2% of the total loan amount (incl. GST) |
Rate of interest |
Starting from 9.99% |
Stamping charges |
As per State’s Stamp Act |
Penalty on overdue EMIs |
2% of unpaid EMI |
EMI bounce charges |
EMI Bounce Charges 7.5% of the EMI/ Outstanding amount (minimum ₹ 400 & maximum ₹ 1000) |
Payment swap charges |
₹500 + taxes per instance |
Foreclosure charges |
NIL (Foreclosure requires a sanction letter) |
Part Pre-Payment |
Not allowed |
EMI Pickup/Collection charges |
₹500 |
Duplicate No Objection Certificate |
₹500 |
Physical Statement of Account |
₹500 |
Document retrieval charges |
₹500 |
Cooling-off period |
3 days (Loan can be cancelled without penalty within 3 days) |
GST is applicable on all service charges.
It's essential to review these personal loan fees and charges before applying, as they can be subject to revisions by the bank.
Read more about Products and
Services
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Pre-Qualified Personal Loan Fees and Charges
Pre-Qualified Personal Loan Fees and Charges
For Pre-Qualified Loans refer the table below to know applicable Schedule of Charges:
Types of Fees |
Applicable Charges |
Processing fees (excluding GST) |
Upto 3.50% of disbursed loan amount for Pre-Qualified loans |
Late payment/Penal charges |
2% per month (Exclusive of GST) of the unpaid EMI or Rs 300 (Exclusive of GST) whichever is higher |
Stamping Charges |
As per actuals |
EMI Bounce charges per presentation |
500 Exclusive of GST |
Cheque/ Mandate Swap charges (per swap) |
500 Exclusive of GST |
EMI Pickup/Collection Charges |
500 Exclusive of GST |
Duplicate No Objection Certificate Issuance Charges |
500 Exclusive of GST |
Physical Statement of Account |
500 Exclusive of GST |
Physical Repayment Schedule |
500 Exclusive of GST |
Document retrieval charges (per retrieval) |
500 Exclusive of GST |
Foreclosure / Prepayment charges |
For Pre-Qualified loans, Allowed after payment of 12 or more EMI’s or 12 months whichever is later. 5% foreclosure charges applicable on principal outstanding |
Cancellation/Rebooking charges |
No charges within 15 days of disbursement or 1st EMI presentation whichever is earlier. Post 15 days or 1st EMI presentation, request for cancellation will be treated as foreclosure |
Part-Payment Clause |
Not Allowed |
GST, as applicable, will be levied on all service charges.
Review these personal loan charges to ensure you are fully informed of the cost before availing of the loan.
Benefits of FIRSTmoney Smart Personal Loan
- Flexible Repayment Options: Repay the loan anytime without extra fees, thanks to ZERO foreclosure charges, offering you more control over your financial planning.
- Zero Foreclosure Charges: Avoid high personal loan fees often associated with early repayments or foreclosure.
- Greater Flexibility: Enjoy the convenience of obtaining more loans anytime with just a few clicks to meet your additional financial needs.
- Quick Access to Funds: Get your funds disbursed within hours, perfect for urgent financial needs.
- Fully Digital Application: Enjoy a 100% online loan process with minimal documentation, making it faster and more convenient.
Read more about Products and
Services
Download IDFC FIRST Bank App
FREQUENTLY ASKED QUESTIONS
What are the typical charges on a personal loan?
Charges on a personal loan include processing fees, late payment penalties, and other service fees. It's crucial to review the specific personal loan charges in the loan agreement as they vary between lenders.
What are pre-payment and foreclosure charges?
Pre-payment charges apply when you partially repay the loan before the due date. Foreclosure charges occur when you pay off the entire loan early. However, FIRSTmoney has ZERO foreclosure charges, making it a cost-effective option if you plan to repay your loan early.
Are personal loan fees subject to GST?
Yes, GST is applicable on various personal loan fees such as processing fees, foreclosure charges, and pre-payment charges. The standard GST rate is 18%.
When is the active loan offer revised after paying an EMI?
The active loan offer is revised only when all the EMIs of the active loan are fully repaid. The bank assesses the customer and replenishes the loan offering.
Get FIRSTmoney Smart Personal Loan of Different Amounts
