IDFC
IDFC FIRST Bank
IDFC FIRST Personal Loan
Interest rate
10.49% – 23%p.a.
Max amount
₹1 Cr
Tenure
6 months - 5 years
Rating
4.3/ 5
Verified on 24 July 2026
Highlights
- Best-in-class starting rate
- No prepayment after 6 EMIs
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Eligibility
- Age 23-60
- Min ₹25,000/month
Min income
₹25,000/month
Employment
Salaried
Processing fee
Up to 3.5%
Prepayment
Nil after 6 months
Documents required
- KYC
- Salary slips
- Bank statement
Pros
- Low starting rate
- Flexible prepayment
Cons
- Strict credit score criteria
EMI on this loan
₹25.00 L
10.74%
20 yr
Monthly EMI
₹25,364
- Principal
- ₹25,00,000
- Total interest
- ₹35,87,317
- Total payment
- ₹60,87,317
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Disclaimer: Interest rates shown are indicative and are manually verified. Actual rates are subject to lender approval and applicant profile. Please verify the latest rates with the lender before making any financial decision.