IDFC FIRST Bank Personal Loan— Interest Rates, Eligibility & How to Apply
IDFC FIRST Bank offers high-value personal loans with transparent terms, no hidden charges and a fully digital application.
Soft check — comparing won't affect your credit score.
IDFC FIRST Bank Personal Loan at a glance
Interest rate
from 10.99% p.a.
Max amount
₹1 Crore
Max tenure
5 years
Processing fee
up to 3.5%
Figures are illustrative 2026 ranges and subject to the lender's current policy. See our editorial policy.
Why choose IDFC FIRST Bank?
- High loan amounts up to ₹1 Crore
- Transparent, no hidden charges
- 100% digital journey
- Flexible EMIs
IDFC FIRST Bank Personal Loan eligibility
- Salaried, age 23–60
- Net monthly income ₹25,000+
- Good credit profile
How to apply via RupeeQuik
1. Compare
See your eligible personal loan offers with a soft check.
2. Choose
Pick the best-fit offer by total cost, not just the headline rate.
3. Apply
Finish on the lender’s page — your verified details carry over.
IDFC FIRST Bank Personal Loan — FAQs
What is the interest rate on a IDFC FIRST Bank personal loan?+
IDFC FIRST Bank personal loan interest rates start from around 10.99% p.a. The exact rate depends on your credit score, income and profile. Compare your eligible offers on RupeeQuik before applying.
How much personal loan can I get from IDFC FIRST Bank?+
IDFC FIRST Bank offers personal loans up to ₹1 Crore, subject to your income and eligibility. Use RupeeQuik's eligibility calculator to estimate your amount.
What documents does IDFC FIRST Bank need for a personal loan?+
Typically PAN, Aadhaar, recent salary slips and bank statements. Many applications are now fully digital with minimal paperwork.
How long does IDFC FIRST Bank take to approve a personal loan?+
Approvals are often within 24–72 hours, and pre-approved customers can get near-instant disbursal.
