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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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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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Apply NowTap into the value of your existing investments without liquidating them
Mutual funds held with any platform and shares via NSDL demat are eligible for pledging.
Pay interest monthly and settle the principal at your convenience.
Apply online and get access to funds in just 7 minutes—no branch visits, no hassle.
Interest is charged only on the loan amount you actually use.
Enjoy a transparent experience with zero additional service fees
Import your investments with one click and choose exactly what you want to pledge—you’re in control.
Estimate Your Loan Against Investments with precision
Try our loan calculator today
Below calculator is for illustration purpose only. Actual sanction amount may vary basis the nature and value of securities
01L
01L
Shares and MF (Demat form) - Limit of ₹20 Lakhs per individual.
Equity Mutual Funds (Non-Demated) - Limit of ₹10 Lakhs per inidividual.
Debt Mutual Funds (Non-Demated): Limit of ₹50 Lakhs per individual.
Scan the QR code or click on Apply Now to start your application.
Securely retrieve your mutual fund holdings via MF Central OTP verification.
Choose the mutual fund schemes and the number of units you wish to pledge.
Authorize the pledge with an OTP. Once confirmed, your credit limit is set up for utilization.
Scan the QR code or click on Apply Now to start your application.
Select your depository (e.g., NSDL) and enter your Demat account credentials.
Authenticate via the NSDL portal, pick the shares you want to pledge, and approve the request by entering the OTP
Post confirmation of your pledge, your credit limit is set up for utilization.
Processing fee | NIL |
Interest rate | 9.5% P.A. |
Interest Type | Floating (Repo Rate + Spread) |
Legal fee & documentation charges | As per actual |
Penal charges | 2% P.M. |
Annual Maintenance Charge | ₹1000/- (upon each renewal) |
Pre-payment charges | Nil |
No Due Certificate or No Objection Certificate | Nil |
Download the following to learn more:
Approved list of Shares
Approved list of Mutual Funds
MITC
Account Opening Form
Terms & Conditions
Loan Against Investments allows you to access funds by pledging your investments instead of selling them. This helps you meet financial needs while retaining ownership of your assets.
Currently, you can pledge Mutual Funds to avail a loan. Loan Against Equity Shares will be available soon.
Loan Against Investments is an overdraft facility available for 12 months, which is auto-renewed annually as per bank policies. Interest is charged only on the utilized amount, and you can repay the principal anytime to reduce interest charges.
Your loan limit is calculated based on the market value of your investments and applicable margin as per bank and regulatory guidelines.
Max loan limits are as follows:
Equity Mutual Funds – Rs. 10,00,000
Debt Mutual Funds – Rs. 50,00,000
For approved list of securities, please refer to the Document section on this page.
You can avail a Loan Against Investments through the IDFC FIRST Bank mobile app by following these steps:
1) Click "Get your instant loan" on the Loan Against Investment page.
2) Select investment type (Equity or Debt Mutual Funds) and verify via OTP from MF Central.
3) Choose mutual funds to pledge and specify loan amount.
4) Once pledging is confirmed, the loan account will appear in the mobile banking app.
5) Funds can be accessed as soon as the loan account is activated.
The margin varies between 15% and 50%, depending on the type of investment.
No processing fees apply. Only a Service Tax and other government levies (Stamp duty & other statutory charges) are charged at the time of loan sanction.
You can repay your loan anytime through the IDFC FIRST Bank mobile app by visiting your Loan Against Investment dashboard.
The interest rate is fixed at 9.5% p.a., subject to revision at the discretion of the bank.
You can un-pledge your investments anytime by submitting a request through the IDFC FIRST Bank mobile app. Alternatively, you may visit the nearest IDFC FIRST Bank branch or contact your Relationship Manager for assistance.
The processing time depends on the type of investment:
• Loan Against Shares – The loan is processed within 24 hours through a fully digital process.
• Loan Against Mutual Funds – The loan is processed within 2 hours through a fully digital process.
Once the loan is processed, you can start utilizing the amount instantly.