🏦IDFC First Bank Personal Loan
Interest rate: 10.49% - 22.00% p.a. • Max amount: ₹40 Lakh • Tenure: 12-60 months
Starting Rate
10.49%
Max Amount
₹40 Lakh
Processing Fee
2% + GST
Tenure
12-60 months
Key Features of IDFC First Bank Personal Loan
- ✓Digital-native bank experience
- ✓Salary account advantage
- ✓Zero prepayment charges
- ✓Instant approval via app
- ✓Monthly reducing balance calculation
👍 Pros
✅ Modern digital-first approach
✅ Zero prepayment charges
✅ Good rates for IDFC savings account holders
✅ Consumer-friendly policies
👎 Cons
❌ Higher starting rate than top competitors
❌ Newer bank — smaller branch network
❌ Limited loan amount for first-time borrowers
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