IDFC First Bank — loan offers
IDFC First Bank is a technology-led private bank with a growing retail lending portfolio. It emphasises transparent, monthly-reducing interest rates and quick digital approvals. The bank is popular for personal loans and consumer finance among younger, salaried customers.
IDFC First Bank
BankRates from
7.8%
per annum · indicative
4 products
Indicative IDFC First Bank rates & fees
| Lender | Product | Interest (p.a.) | Processing fee | Tenure | Foreclosure | Source |
|---|---|---|---|---|---|---|
| IDFC First BankUnverified | Home Loan | 7.75% onwards | Up to 3% + GST | Up to 32 years | Nil for floating rate; up to 2% for fixed rate | Lender |
| IDFC First Bank | Car Loan | 8.99% onwards | Up to 5% (incl. GST) | Up to 120 months | 5% of outstanding + GST (fixed rate); nil on floating rate | Lender |
| IDFC First Bank | Personal Loan | 9.99% onwards | Nil (FIRSTmoney); up to 3.5% + GST for pre-qualified loans | 9–60 months | Nil (FIRSTmoney); 5% of outstanding after 12 EMIs for pre-qualified loans | Lender |
| IDFC First BankUnverified | Business Loan | 13% onwards | Up to 3.5% + GST | 12–48 months | Nil for micro/small enterprises up to ₹50 lakh; 5% otherwise | Lender |
IndicativeRates & fees are indicative, last updated October 2026. Confirm current terms with the lender before applying. Unverifiedrows have not yet been manually confirmed against the lender's own page — treat them as an estimate only.
LoanServ is an authorised DSA and is not affiliated with, or an official channel of, IDFC First Bank. All figures are indicative and sourced from public information; confirm current terms directly with the lender.
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