How To Apply: IDFC Bank Personal Loan

IDFC First Bank operates with a dependable customer service team that serves only to address customers’ concerns, questions, feedback, issues, and difficulties. The bank has separate contact details for various purposes. You can contact a customer service representative about personal loans or anything else by dialing any of these numbers. You can additionally send an email to almost any of the bank’s email addresses, depending on your specific requirements and situation.

IDFC First Bank provides a wide range of loans, covering personal loans, house loans, business loans, corporate loans, capital hypothecation loans, commercial operations vehicle loans, and many others.

IDFC  Personal Loan Highlights
Interest Rate 10.49% p.a. onwards
Loan Amount Up to Rs 40 Lakhs
Tenure Up to 5 years
Minimum Monthly Salary Rs 20,000
Processing Fee 1% – 4%

IDFC Bank Personal Loan Features and Advantages 

  • Variable interest rates
  • Swift loan approval
  • Simple documentation and complete transparency
  • Maximum loan amount of Rs. 40 lacs
  • Flexible repayment terms ranging from one to five years
  • There are no hidden costs or processing expenses.
  • Funds will be transferred to your account within two days.

IDFC Bank Personal Loan Eligibility Criteria

  • Minimum and maximum age requirements: 23 years old and 60 years old.
  • The minimum net salary should be Rs. 20,000 per month.

Employees with salaries are eligible to apply:

1 salaried physician

2 public and private limited company employees

3 limited liability companies, both public and private

4 government personnel, including those from public sector undertakings and national and local governments

 Documents Required for IDFC Bank Personal Loan

  • KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
  • Last 3-month Salary Slip
  • Last 6 month Bank Statement in PDF
  • Form 16 of last 2 year
  • Rent Agreement if rented or Utility Bill if the residence is owned
  • Sanction Letter of all current running loans, if any
  • Office ID Card or Official EMAIL ID, if any

How do you apply for an IDFC Personal Loan?

  • Check out the bank’s official portal and ask for a personal loan online by completing the application form.
  • If you match the qualifying requirements, the bank will assign its relationship management to contact your contact address and collect the required documentation.
  • The bank will verify your documents immediately after they have been submitted. The application procedure may also include a discussion with the lender about your interest in obtaining a loan from them for personal use.
  • If you present all of the required paperwork and the banking institution meets its standards, the loan amount will be processed and transferred to your banking account.
  • You can also bring the necessary paperwork to the nearest IDFC First Bank location.

IDFC Customer Care Service 

1800 209 9771,

 How Can You Apply for a Personal Loan through Refer Loan?

You can apply through IDFC Personal Loan Page on Refer Loan’s website.

1) Once you’ve finished reviewing the details, charges, and necessary documentation for IDFC Bank personal loans, confirm eligibility.

2) You’ll be taken to the application page. Enter the basic information requested.

3) Select Eligible Offers to see the IDFC Bank offers that are accessible to you based on what you’re eligible for.

4) Select Next.

5) An OTP will be sent to your mobile device. For authentication, input this OTP.

6) Send in your application.


IDFC FIRST has become one of India’s most rapidly evolving financial organizations, offering personal loans to their consumers at competitive interest rates. The bank lends personal loans to their clients for a variety of objectives to present various opportunities for credit to a large number of people. Beyond that, getting a personal loan from IDFC FIRST by using Refer Loan will assist consumers in receiving instant approval on their request for funding at favourable terms and circumstances.


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