9999029170
IDFC FIRST BANK LTD
Empowering You with Transparency and Speed
At IDFC FIRST Bank, we believe in banking that puts you first. Our loan products are designed to be more than just financial tools; they are solutions built on the foundation of ethics and social responsibility. With industry-leading digital processes and customer-centric features like zero penalties for early repayment on many products, we help you achieve your milestones with absolute clarity.
A Specialized Loan Suite for Every Goal
We offer a diverse range of credit solutions tailored to modern-day requirements:
FIRSTmoney Personal Loans: A smart, instant credit line up to ₹10 Lakh with interest rates starting at 9.99% p.a. and zero foreclosure charges.
Home Loans: Affordable housing finance with rates starting from 8.85% p.a. and tenures up to 30 years.
Business Loans: Collateral-free funding up to ₹1 Crore to help MSMEs and entrepreneurs scale their operations.
Education Loans: Comprehensive support for higher studies in India and abroad with specialized packages for premier institutes.
Used Car & Two-Wheeler Loans: Quick approvals and high LTV (Loan-to-Value) ratios to help you drive home your choice of vehicle.
Suvidha Shakti (Micro-Housing): A specialized loan program for women to address home improvement and sanitation needs.
The IDFC FIRST Bank Advantage
What makes our lending experience distinct in the Indian market?
| Feature | The IDFC FIRST Experience |
| Zero Foreclosure Charges | Repay your personal loan early without any penalty fees (on select products). |
| 100% Digital Journey | From application to Video KYC and disbursement—all from your smartphone. |
| Instant Disbursal | Get funds credited to your account in as little as 30 minutes post-approval. |
| Transparent Pricing | Competitive monthly reducing balance interest rates with no hidden “fine print.” |
5 Minutes to Funding: Our Digital Process
Experience the most seamless borrowing journey in the country:
Check Eligibility: Enter your basic details on our app or website to see your pre-approved offer.
Customise Your Loan: Select the amount and the EMI tenure that fits your monthly budget.
Video KYC: Complete your verification instantly via a video call—all you need is your original PAN card.
Disbursal: Sign the agreement digitally, and the funds are transferred to your bank account within minutes.
Why Borrowers Trust Us
Consumer-First Policies: We were among the first to eliminate foreclosure and part-payment charges on personal loans.
Flexible Repayment: Choose your own EMI date to align with your salary or business cash flow.
Accessibility: Our “FIRST Step” loans specifically target micro-enterprises and small shops often overlooked by traditional banking.
Eco-system Integration: Manage your loans, credit cards, and savings accounts in one award-winning app.
"Banking should be a force for good. Our loans are designed to build your future, not just your debt."
Take Control of Your Finances Today
Join millions of satisfied customers who have chosen a smarter way to borrow.