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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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*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Bengaluru, also known as Bengaluru, is the Silicon Valley of India. It has made a substantial contribution to India's IT supremacy, with a strong history of leading R&D labs, reputed educational institutions, and public sector enterprises. The city’s technological prowess and sea of opportunities attract many people across the country. However, Bengaluru is also an expensive city to live in, making a personal loan in Bengaluru a popular choice. From putting down a deposit for a rented apartment to finding the right clothes for work, a personal loan for salaried individuals covers a wide range of needs.
For those looking to start their own business, a personal loan in Bengaluru can be the stepping stone to success. Individuals can get all the support they need from IDFC FIRST Bank, allowing them to kickstart their entrepreneurial journey.
Get the funds you need at rates that fit your budget starting 9.99% p.a.
Say goodbye to paperwork with our end-to-end online loan process.
Save more by closing your loan early, without a single rupee in fees.
Your approved loan is credited to your account in 30 minutes or less.
Enjoy hassle-free loans without offering any asset as security.
Select your preferred loan duration and EMI date that best fits your cash flow.
When self-employed or salaried individuals want to avail of a personal loan in Bengaluru, they will need to submit the following documents:
At IDFC FIRST Bank, individuals can borrow upto ₹10 lakhs based on their eligibility score.
The minimum salary required to apply for a personal loan is ₹20,000 per month.
Types of Fees | Applicable Charges |
Personal Loan interest rate | Starting 9.99% |
Processing fees | Processing Fees of upto 3.5% will be deducted from the loan amount at the time of disbursal |
Late payment fees | 2% of the unpaid EMI or ₹300 whichever is higher. The late payment fees might be applicable from the date of default to the date of payment. |
Stamp duty | As per actuals |
Start your application online in just one click.
Submit your details and verify your identity via mobile.
Choose your preferred amount and duration to proceed.
Join a secure video call to complete KYC using your PAN card.
Enjoy fast disbursal—money is credited to your account instantly.
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While a higher CIBIL score improves loan eligibility, you can still apply for a personal loan with a low CIBIL score in Bengaluru if you satisfy the bank’s minimum CIBIL score requirements. IDFC FIRST Bank also considers other factors like income, employment history, and existing debt before approving loan applications. With a low CIBIL score, you may receive a loan at a higher interest rate or with stricter terms.
Yes, IDFC FIRST Bank offers personal loans to individuals with low salaries starting from ₹20,000 per month and based on their overall eligibility. Factors like stable income, repayment capacity, and credit score are considered to determine loan approval and amount.
Once your personal loan application is approved, you can receive the funds within minutes, ensuring quick access for urgent financial needs.
The minimum income requirement for a personal loan with IDFC FIRST Bank varies but typically starts around ₹20,000 per month, depending on eligibility and loan terms.
Personal loans allow you to obtain funds for personal expenses such as an emergency, higher education, holidays, or some other need such as a family wedding. You can specify the reason for taking a personal loan while applying for the loan.
The minimum salary needed for a personal loan in Bangalore is ₹20,000. If your salary is ₹20,000 or more, you can avail of personal loans with minimal effort. IDFC FIRST Bank offers personal loans ranging from ₹20,000 to ₹4,00,000 if you meet the eligibility criteria. You can also use a personal loan eligibility calculator to check how much loan amount you qualify for based on your income and other factors.
No, you cannot get a personal loan in Bangalore if your salary is ₹15,000. Still, you can check with the bank to see if you can avail of a small personal loan. Besides your salary, other factors such as your age and credit score are considered when you apply for a personal loan.
IDFC FIRST Bank offers personal loans for many reasons, including weddings, vacations, education, home renovations, and emergencies. Personal loans can be utilised to meet immediate financial requirements as well as to borrow funds for non-emergency personal expenditures. IDFC FIRST Bank provides loans up to ₹40 lakhs with affordable EMIs starting at ₹2,149/lakh* and repayment terms of up to 5 years.
For both self-employed as well as salaried persons, IDFC FIRST Bank offers a quick personal loan online. However, you must meet specific criteria to avail of an online personal loan with low EMI. Factors such as your income, credit score and debt profile are considered when you apply for a personal loan in Bangalore.
IDFC FIRST Bank offers low-interest personal loans in Bangalore, with rate starting at 9.99% per annum, depending on your credit profile and loan tenure.
Make your travel dreams a reality without dipping into your savings. A FIRSTmoney travel loan covers all expenses – flights, hotels, local travel, and more. With instant approvals, minimal documentation, and flexible EMIs, your next adventure is only a few steps away.
Plan your perfect wedding, your way. A FIRSTmoney wedding loan lets you handle everything—venue, outfits, photography, and beyond, without financial stress. Get fast access to funds and focus on creating unforgettable memories.
In times of health-related uncertainty, FIRSTmoney is here to support you. A medical loan helps cover surgery, tests, or treatments with quick disbursal and zero collateral. Because peace of mind should never be out of reach.
Small changes or big renovations, do it all with a FIRSTmoney home renovation loan. Whether you’re redesigning a room or fixing what’s broken, we provide simple financing with fast approvals and flexible terms to suit your goals.