At IDFC FIRST Bank, we wish to provide help to obtain your personal goals. Whether it’s marriage ceremony bills, unexpected medical payments, funding your dream trip or renovating your property; IDFC FIRST Bank may also help you meet all these various monetary wants and extra with an unsecured personal loan. We have additionally made it extraordinarily straightforward with a paperless and hassle-free Personal Loan software course of.
Get Personal Loans:
• Up to ₹1 Cr
• Competitive rates of interest beginning at 10.49%
• Flexibility to make up to 40%* half fee
• Top-Up Facility
Transfer your current Personal Loan/Credit Card, and luxuriate in wonderful advantages, together with inexpensive charges and versatile loan tenure starting from 6 months to 60 months.
Fulfil each dream, and reside life to its fullest with IDFC FIRST Bank by your aspect.
Top Up possibility:
Already have an IDFC FIRST Bank loan and want extra funds?
Get a Personal Loan top-up in your current loan as a substitute on one other loan.
Who Can Apply?
For Salaried Individuals:
Minimum Age: 23 years
Maximum Age: on the time of loan maturity – 60 years or retirement, whichever comes first
For Self-Employed Individuals:
The enterprise should have been in existence for a minimal interval of three years
Minimum Age: 25 years
Maximum Age: 65 years on the time of loan maturity
Documentation:
Instant Personal Loan disbursal via digital loan journey:
Valid KYC
3 months’ bank assertion
Net Banking or Debit Card particulars to arrange e-Mandate
eSign/eStamp for sooner disbursal
Processing charges Processing Fees of upto 3.5% shall be be deducted from the loan quantity on the time of disbursal. Collected on the time of loan disbursal
EMI bounce prices:
₹400
For every presentation dishonoured
Repayment instrument swap prices:
₹500
per change request
Statement of Account (Adhoc/Duplicate):
₹500
Duplicate No Objection certificates / No Dues Certificate:
₹500
Per request, as well as to Bank’s issued letter
Cancellation/Rebooking Charges:
1% of the loan quantity + curiosity from date of disbursal until receipt of cancellation request Cancellation request to be obtained inside 30 days of loan reserving date or 1st EMI presentation date, whichever is earlier. Post which cancellation shall be handled as foreclosures
Stamping Charges:
As per actuals
Physical Repayment Schedule:
₹500
Document retrieval prices (per retrieval):
₹500
EMI Pick up/ Collection Charges:
₹350
Cheque Swap prices (per swap):
₹500
Foreclosure / Prepayment prices:
5% on principal excellent
Foreclosure to be produced from prospects personal funds. Foreclosure/Prepayment of the loan is feasible anytime through the loan tenure after fee of 12 or extra EMIs
Part Payment prices:
Part Payment is allowed after preliminary 3 EMIs. Maximum 40% of present Principal Outstanding is allowed as half fee in a monetary 12 months, this may be one bullet fee or most of three funds totalling up to 40% of Principal Outstanding. In case you would like to avail this feature, 2% half fee prices is relevant on partial fee. Part fee to be produced from buyer’s personal fund. This facility is allowed just for prospects who’ve opted for Smart Personal Loan. Part fee isn’t allowed for purchasers who’ve opted for Simple Personal Loan.
Personal loan rate of interest Starting 10.49%
Processing charges Processing Fees of upto 3.5% shall be deducted from the loan quantity on the time of disbursal
Late fee charges 2% of the unpaid EMI or Rs 300 whichever is greater. The late fee charges is likely to be relevant from the date of default to the date of fee.
Stamping Charges As per actuals
Queries solved on this video:
1)idfc first bank personal loan/how to apply idfc personal loan on-line/Interest rate/EMI calculator
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