IDFC FIRST Bank Personal Loan
IDFC FIRST Bank Personal Loan with instant approval, zero foreclosure charges, and a complimentary lifetime-free credit card.
At 9.99%, IDFC FIRST Bank has one of the lowest starting rates of the 22 lenders we track for personal loans.
Documents required
- PAN Card
- Aadhaar Card
- 3 months salary slips
- 6 months bank statement
- Address proof
As published by IDFC FIRST Bank. Your branch may ask for more.
Best for: IDFC FIRST salary-account holders who want a bundled lifetime-free credit card and zero foreclosure charges.
Eligibility
Loan terms
- Lifetime free credit card bundled
- Instant approval for IDFC FIRST customers
- Zero foreclosure charges
Fees & charges
FAQ
Lenders price on your credit score, income, employer category and tenure. A score above 750 typically unlocks the lower end of each range shown. The exact rate is confirmed by the lender at underwriting.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.
Most lenders allow prepayment after a few EMIs. Charges vary by lender and are shown in the fees section; RBI caps foreclosure charges on floating-rate loans to individuals.