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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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Get Personal Loans approved instantly.
Paperless loans up to ₹10 Lakhs
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Personal Loan EMI Calculator
Loan amount
₹100K
₹10L
Loan term in months
9 Months
60 Months
Choose the Interest Rate
9.99%
38 %
Your EMI will be
₹2,174/Lakh
*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Looking for loans with a ₹30,000 income? Apply for a personal loan online with FIRSTmoney
A personal loan can help you manage financial needs like medical emergencies, education expenses, or home repairs. If you are earning ₹30,000 per month, you can apply for a personal loan that offers flexibility, quick disbursement, and minimal documentation as per your salary bracket with IDFC FIRST Bank’s FIRSTmoney. FIRSTmoney is a smart personal loan that is customised to ensure easy access to funds for eligible borrowers.
What makes opting for a FIRSTmoney loan a smart choice is the flexibility and affordability this loan offers, without the hassles of lengthy documentation. You can get a loan offer of up to ₹10 lakhs based on your eligibility.
Features and Benefits of a FIRSTmoney Smart Personal Loan
Competitive Interest Rates
Smart borrowing starts with getting the right interest rate. With FIRSTmoney, enjoy personal loans starting at just 9.99% p.a. A lower interest rate means lower EMIs and more savings over time, suitable for planned or unplanned expenses.
100% Digital Process
Getting a personal loan has never been this easy. With FIRSTmoney, the entire personal loan process is online. No paperwork, no branch visits! Just click on the “Apply Now” button, fill in your details, and get instant approval. Everything happens at your convenience, on your device.
Zero Foreclosure Charges
Closing your loan early shouldn’t cost extra, and with FIRSTmoney, it doesn’t. You can fully repay your loan before the end of your tenure without paying any foreclosure fees.
Flexible Loan Repayment
FIRSTmoney allows you to select a repayment period that suits your lifestyle—anywhere between 9 and 60 months. This flexibility ensures your EMIs stay comfortable and stress-free. You can also choose an EMI date between the 3rd to 8th of a month.
Instant Disbursal
Time matters when you need funds. FIRSTmoney ensures that your loan is approved instantly and disbursed quickly, in just 30 minutes, without paperwork or long waits. It’s a fast, reliable way to access money when it’s most needed.
Personal Loan Eligibility and Documentation
Eligibility Criteria for Personal Loan on ₹30,000 Salary
To be eligible for an Personal Loan, you should be:
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Required Documentation for Personal Loan
Here are the documents required for VKYC -
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How to Apply for a Personal Loan on a ₹30,000 Salary
Applying for FIRSTmoney instant personal loan is so easy. Just follow the steps below:
Step 1
Start by scanning the QR code or clicking loan from your smartphone
Step 2
Register using your mobile number and confirm basic/personal details to check your eligibility
Step 3
Choose your loan preferences, including the tenure and 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 physical PAN card
Loan Amount and Tenure
Loan Amount
For individuals earning ₹30,000 per month, personal loans are available in amounts ranging from ₹5,000 to ₹10 lakhs. The approved loan offer depends on the bank’s internal policy and your credit profile.
Flexible Tenure Options
You can choose a repayment tenure that ranges from 9 months to 60 months, depending on your financial situation. This flexibility allows you to structure your repayment schedule as per your convenience.
EMI Calculation for ₹30,000 Salary
The bank uses the reducing balance method to calculate the EMI for a personal loan through FIRSTmoney, this technique determines the 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 calculation of your EMIs, consider using a personal loan EMI calculator. Simply adjust the slider to input the following details: the loan amount, interest rate, and tenure. You can also determine a repayment figure for a different amount that aligns comfortably with your financial capacity.
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Overview of Interest Rates Offered for a ₹30,000 Salary Bracket
FIRSTmoney smart personal loan offers the most competitive interest rates starting at 9.99%*
Frequently Asked Questions
Can I get a personal loan if my salary is ₹30,000 per month?
Yes, personal loans are available for individuals earning ₹30,000 per month, depending on credit score, employment status, and other eligibility factors.
What is the maximum loan amount I can get on a ₹30,000 salary?
You can get a loan amount ranging from ₹5,000 to ₹10 lakhs, depending on your creditworthiness and the bank’s policies.
How long does it take to get a personal loan approved?
Once you submit the necessary documents, the loan approval can take a few hours to a couple of days, depending on the verification process.
What is the interest rate for a ₹30,000 salary personal loan?
Interest rates are competitive, starting at just 9.99%. The offered interest rate on your loan would depend on your credit profile and the bank’s internal policy. Click here to check the offered interest rate.
What is the repayment tenure for this loan?
Repayment tenure can range from 2 months to 60 months, allowing you flexibility in structuring your repayments.
Get FIRSTmoney Smart Personal Loan of Different Amounts
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