IDFC Personal Loan

  • EMI starts at Rs.2,149/- per Lakh
  • Attractive interest rates @10.25%*
  • Completely digital, paperless process

At IDFC FIRST Bank, we want to help you achieve your personal dreams. So, we have made it easy to get the funds you need, with a paperless and hassle-free application process.

You can get an IDFC personal Loans of up to ₹40 lakhs with competitive interest rates starting at 10.49%, and the flexibility to make up to 40%* part payment. You can also transfer your existing Personal Loan/Credit Card, and enjoy amazing benefits, including affordable rates and flexible loan tenure ranging from 6 months to 60 months. . Fulfil every dream, and live life to its fullest with IDFC FIRST Bank by your side.


Following individuals are eligible to apply for an IDFC First Bank Personal Loan:

  • Employees of Private Limited Companies, employees of Public Sector undertakings including central, state and local bodies
  • Individuals between 21 to 60 years of age
  • Individuals who have a job for at least 2 years, with a minimum of 1 year with the current employer
  • Those who earns a minimum of INR25,000 net income per month

Documents Required

  • Identity Proof(Copy of Passport/Voter ID card/Driving License/Aadhar card)
  • Address Proof(Copy of Passport/Voter ID card/Driving License/Aadhar card)
  • 3 Months Bank Statement( Passbook of previous 6 months)
  • Two latest salary slips/Current date salary certificate with latest form 16
  • Proof of end use

IDFC Personal Loan Interest Rates

Bank IDFC Bank
Interest Rate (PA) 10.25% to 15.00% (BT rates starts from 11.50%)
Loan Amount 1 Lakh to 20 Lakhs
Processing Fees Upto 2% of the loan amount
Part-Payment Upto 40% of the loan amount every year
Pre-closure charges 3% on your principal outstanding +GST
Lock-in Perod 3 Months
Tenure 12-60 Months

Representative Example

If a person borrow a loan of Rs 10,00,000/- with a rate of interest 10.75% per annum for 60 months. Then monthly EMI is Rs.21,618/- per month.

Apply for IDFC Bank Personal Loan here

Minimum salary for Loan Rs. 25,000/-

Our Happy Customers


How to Apply

How to Apply

Call Now +91 80504 22599