OTP-verified soft check · won’t affect your credit score · DPDP-consented
Move the sliders to see monthly EMI, total interest, and total cost of this loan.
Your actual rate depends on your credit profile, income, and employer category.
Monthly EMI
Total interest
Total payment
Processing fee (3.5%)
Total cost of this loan
✨ interest + processing fee
✓ Best for
IDFC FIRST salary-account holders who want a bundled lifetime-free credit card and zero foreclosure charges.
For a ₹5 L loan over 3 yrs at 10.49% — your best-case scenario.
You repay ₹6,02,459 for ₹5,00,000 borrowed.
Customize amount, tenure & rate in the EMI calculator above ↑
This is a floating-rate loan. No prepayment penalty — you can foreclose or pre-pay any amount at any time, free of charge (RBI mandate for floating-rate individual loans).
Digital-first private bank. Dynamic-pricing personal loans starting at 9% APR for top CIBIL profiles.
Visit IDFC FIRST Bank websiteSee how IDFC FIRST Bankcompares on rate, fees & eligibility.
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Secure your family
Term life insurance pays off your loans and supports your family if anything happens to you — premiums start from ₹5,000/year.
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