Apply online for IDFC FIRST Bank personal loan up to 1 Crore at interest rate starting from 10.49%-24% p.a. and processing fee with 2%. Ready for easy EMIs within 84 months.
Along with IDFC FIRST Personal Loan Interest Rates, the borrower also has to bear the following expenses for the loan:
| Rate of interest | 10.49%- 24% |
| Tenure | 12 to 84 months |
| Lowest EMI possible | Rs. 1.686 Per Lakh |
| Processing fee | Rs. 6999/- |
| Part prepayment fee |
|
| Foreclosure charges | 5% of principal outstanding for Simple Personal Loans as well as Smart Personal Loans. |
| Overdue interest | 2% of the unpaid EMI or Rs. 300, whichever is higher |
| Repayment instrument swap charges | Rs. 500 per change request |
| EMI bounce charges | Rs. 400 for each bounce |
| Duplicate NOC/ NDC | Rs. 500 per request |
| Statement of Account (Adhoc/ Duplicate) | Rs. 500 |
| Cancellation or rebooking charges | 1% of the loan quantum + interest from the date of disbursal till receiving the cancellation request |
| Document retrieval charges | Rs. 500 per retrieval |
| Physical repayment schedule | Rs. 500 |
| EMI pick-up/ collection charges | Rs. 350 |
| Stamping charges | As per actual |
Tip: Check credit score before applying for a loan
The attractive features of IDFC Personal Loan are mentioned below:
Also Check: Cibil score required for personal loan
IDFC FIRST Bank Personal Loan Documents requirement is mentioned below in details:
| Verification of | Documents (Self-attested copy of any one required) |
| Photo Identity Proof | Self-attested copy of any one of the below: Aadhaar Card/ Passport/ Pan Card/ Voter’s ID/ Driving License |
| Address Proof | Self-attested copy of any one of the below: Aadhaar Card/ Ration Card/ Passport/ Bank Account Statement/ Driving License/ Latest Utility Bills (Electricity Bill, Telephone Bill etc.)/ Sale Deed/ Property purchase agreement. |
| Proof of Income (Self-attested copy of relevant documents) | For Salaried employees:
For Self-Employed:
|
| Additional Documents | For Self-Employed Individuals: Business Proof (Self-attested copy of relevant documents): Municipal tax bill/ Gram Panchayat/ GST Certificate/ Certificate Shop & Establishment Certificate/ ITR with Computation of income of last 2 years/ Udyog Aadhaar/ SSI Certificate/ FSSAI license/ Utility Bill. For Balance Transfer Cases: Repayment Schedule, Loan Foreclosure Letter, and Statement of Accounts PAN/Form 60 |
Additional Reading: Cibil score check free online by pan number
You can conveniently calculate the exact IDFC FIRST Personal Loan EMI load on your shoulders using an online Personal Loan EMI Calculator by Fastmudra. It is a hassle-free and easy-to-use financial tool designed to extend convenience to the borrowers.
All you need to do to know your Personal Loan EMI is enter the loan parameters, including loan amount, interest rate, and tenure.
The tool will instantly provide the break-up of how much you are required to repay as a monthly instalment. A visual representation will help you understand the total repayments as the loan interest and total repayments.
You can calculate different combinations of Loan tenure and rate of interest to find the best loan deal. The tool is absolutely free to use.
The other Fastmudra financial tools that you can use include: Personal Loan Balance Transfer Tool, Prepayment Amount Calculator, and Foreclosure Amount Calculator.
It is very easy to apply for a Personal Loan and get an IDFC Bank Loan Statement online through Fastmudra. Just follow the steps mentioned below:
Additional Info: Check IDFC Bank Personal Loan Application Status Easily.
Additional Reading: How to increase cibil score?
You can access your personal loan statement through IDFC First Bank in the following ways:
By making a request at your nearby IDFC First Bank branch in-person
If your Personal Loan is not approved yet, you can track your application status by calling IDFC FIRST bank Toll Free Helpline.
Customer care number for existing customers of IDFC FIRST Bank is 1800 419 4332 (Toll Free)
Email – Banker@Idfcfirstbank.Com , Customer.Care@Capitalfirst.Com
Registered Office:
IDFC FIRST Bank Ltd
KRM Tower, 7th Floor, No. 1, Harrington Road,
Chetpet, Chennai – 600031, Tamil Nadu, India
Corporate Office:
IDFC FIRST Bank Ltd, Naman Chambers, C-32, G-Block, Bandra-Kurla Complex, Bandra East, Mumbai – 400051, India
Additional Reading: What is cibil score customer care number?
FAST MUDRA is India’s largest phygital loan distributor. With trust of 70 lakh customers, we assure hassle free access to the best Home Loans up to 10 crore for housing loan borrowers in India. Our service is 100% free. We use latest technology and AI to serve customers across the length & breadth of our diverse country. Check Eligibility & Apply.
