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Travel Loan from ₹50,000 to ₹15 Lakhs
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Travel Loan EMI Calculator
Your EMI will be
₹5,072/month*
Total Interest Payable
₹43,435
Total Amount Payable
₹2,43,435
Check your eligibility
Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply. **For select loan amounts
What is a travel loan and how does it work?
A travel loan is an unsecured personal loan that helps you finance domestic or international travel without pledging collateral. You can use the funds across varied travel expenses, ranging from flight booking to paying for experiences on your trip. There are no restrictions on how you choose to use the funds.
You can repay the borrowed amount through monthly EMIs over a chosen tenure and also foreclose the loan early if you wish with zero foreclosure charges.
What travel expenses can you cover with a travel loan?
Planning a vacation may involve various expenses as your itinerary takes shape. A holiday loan helps you manage such varied costs without exhausting your savings.
• Flight bookings: Advance flight bookings may help you access preferred schedules or fares. Eligible borrowers may receive funds in as little as 10 minutes after approval to make time-sensitive travel payments.
• Hotel reservations: Pay the upfront cost to book your preferred hotel, resort, or holiday rentals with a vacation loan. It helps you cover the sizeable booking amount, especially for longer or premium stays.
• Visa fees: International travel may involve visa application, processing and appointment-related costs. A travel loan can help you plan for these expenses as part of your overall trip budget.
• Travel insurance: Travel insurance can help you prepare financially for certain unexpected events, depending on the policy terms and coverage. You can include the insurance premium as part of your overall travel expenses.
• Road trip costs: You can use the trip loan to also pay for car rentals, fuel, tolls, and other road travel expenses.
• International packages: If you don't have the time to plan for flights, hotels, destination, and activities, you can consider tour packages that cover the essentials with a single upfront payment. Depending on your eligibility, a FIRSTmoneytravel loan can provide funds of up to ₹15 lakhs to help finance such expenses.
• Adventure holidays: Pay for water sports, hiking, paragliding, and other kinds of adventure activities on your exciting trip with a trip loan.
• Family vacations: Travelling with family or in a larger group can increase costs across tickets, accommodation, meals and activities.FIRSTmoney allows you to access multiple on-demand loans for additional funding requirements without starting a fresh application each time.
How much travel loan do you need?
The personal loan for travel requirements may vary based on your destination, trip duration, itinerary, and number of travellers. Instead of borrowing the entire trip cost, you can estimate your total travel budget and consider borrowing only the remaining financial gap that you can comfortably repay.
| Estimated trip budget | If you can contribute | Amount you may consider borrowing |
| ₹1 lakh | ₹40,000 | ₹60,000 |
| ₹2 lakhs | ₹75,000 | ₹1.25 lakhs |
| ₹3 lakhs | ₹1 lakh | ₹2 lakhs |
| ₹5 lakhs | ₹2 lakhs | ₹3 lakhs |
| ₹8 lakhs | ₹3 lakhs | ₹5 lakhs |
These examples are for illustration only. The actual holiday loan amount you may be eligible for will depend on factors such as the lender's assessment, your income, credit profile, existing financial obligations and repayment capacity.
Why choose FIRSTmoney for your travel loan in India
Travel expenses can arise before and during a trip. A FIRSTmoney personal loan for travel can help eligible borrowers access funds based on their requirements and approved loan offer.
10-minute disbursal
FIRSTmoney travel loan disbursal can happen within 10 minutes for eligible applicants. So you can make your travel bookings before any limited-time deals expire.
Flexible repayment tenure
The repayment tenure with FIRSTmoney personal loan includes a flexible range of 9 to 60 months. You can choose an available tenure that helps keep the EMI within your repayment capacity.
Zero Foreclosure Charges
If you plan to close your loan early when you have surplus funds, you can do so with zero foreclosure charges on a FIRSTmoney trip loan.
On-demand loans
For additional expenses during your vacation planning, you need not apply for a travel loan from scratch. FIRSTmoney lets you take multiple loans from the approved and available loan offer. Pay interest only on the funds you withdraw.
Loan amount up to ₹15 lakhs
You can qualify for a FIRSTmoney loan amount from ₹50,000 to ₹15 lakhs depending on your eligibility and requirement. It provides enough room to finance small to big expenses based on your vacation plan.
No collateral
A FIRSTmoney travel loan comes without any collateral requirement. You can apply without pledging your property or other assets.
Travel Loan EMI Calculator: Amount-wise & Tenure-wise Breakdown
Check Your Approximate EMI for Your Next Trip
Planning a trip? Here's an approximate monthly EMI for a travel loan to help with your budgeting.
| Loan Amount | Tenure | Interest Rate | Processing Fees | Approx EMI |
| 1 Lakh | 24 Months | 9.99% p.a. | 0% to 3.5% | ₹ 4,614 |
| 2 Lakh | ₹ 9,228 | |||
| 3 Lakh | ₹ 13,842 | |||
| 4 Lakh | ₹ 18,456 | |||
| 5 Lakh | ₹ 23,070 | |||
| 1 Lakh | 36 Months | ₹ 3,226 | ||
| 2 Lakh | ₹ 6,452 | |||
| 3 Lakh | ₹ 9,679 | |||
| 4 Lakh | ₹ 12,905 | |||
| 5 Lakh | ₹ 16,131 | |||
| 1 Lakh | 48 Months | ₹ 2,536 | ||
| 2 Lakh | ₹ 5,072 | |||
| 3 Lakh | ₹ 7,607 | |||
| 4 Lakh | ₹ 10,143 | |||
| 5 Lakh | ₹ 12,679 | |||
| 1 Lakh | 60 Months | ₹ 2,124 | ||
| 2 Lakh | ₹ 4,248 | |||
| 3 Lakh | ₹ 6,373 | |||
| 4 Lakh | ₹ 8,497 | |||
| 5 Lakh | ₹ 10,621 |
Travel loan eligibility & documents
Personal loan eligibility
Eligibility criteria for a FIRSTmoney personal loan for travel include:
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Personal loan documents required
FIRSTmoney travel loan doesn’t require document uploads. You just need:
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Easy guide on how to apply for a personal loan
Step 1
Select the ‘Apply Now’ option
Step 2
Enter your basic details
Step 3
Choose your desired loan amount and tenure
Step 4
Link your bank account where you want to receive funds
Step 5
Complete video KYC by showing your original PAN card
Travel loan interest rates & charges
| Types of Fees | Applicable charges |
| Interest rate | Starting from 9.99% p.a. (equivalent to 0.83% p.m.) |
| Processing fees | 0% to 3.5% as applicable on the loan amount, including GST. Zero processing fee on select loan amounts. |
| Foreclosure charges | Zero foreclosure charges |
| Stamp duty | As per State's Stamp Act |
What will your instant travel loan EMI be?
The following table shows indicative EMIs for different loan amounts at an interest rate of 9.99% p.a. and a repayment tenure of 60 months.
| Loan amount | Interest rate | Tenure | Approx. EMI |
| ₹1 lakh | 9.99% p.a. | 60 months | ₹2,124 |
| ₹2 lakhs | 9.99% p.a. | 60 months | ₹4,248 |
| ₹3 lakhs | 9.99% p.a. | 60 months | ₹6,373 |
| ₹4 lakhs | 9.99% p.a. | 60 months | ₹8,497 |
| ₹5 lakhs | 9.99% p.a. | 60 months | ₹10,621 |
| ₹10 lakhs | 9.99% p.a. | 60 months | ₹21,240 |
| ₹15 lakhs | 9.99% p.a. | 60 months | ₹31,863 |
These EMI values are indicative. Your final interest rate, loan amount and EMI will depend on your approved loan offer and applicable terms.
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Frequently Asked Questions
What is a travel loan?
A travel loan is a personal loan specifically designed to cover expenses related to travel, such as airfare, accommodation, sightseeing, and other costs. With a personal loan for travel via FIRSTmoney, you can secure funding of up to ₹15 lakhs and repay it in easy EMIs over tenures of up to 60 months.
What is the eligibility criteria for a travel loan?
Eligibility typically includes:
- Age: Between 21 and 60 years.
- Employment: Open to salaried and self-employed individuals.
- Credit Score: A good credit history, usually with a CIBIL score of 710 or above.
What is the interest rate on an IDFC FIRST Bank travel loan?
The interest rate on an IDFC FIRST Bank travel loan varies based on the applicant’s credit profile, loan amount, and tenure. FIRSTmoney loans start from 9.99% per annum.
What is the tenure for a travel loan?
The tenure for a travel loan usually ranges from 9 months to 60 months. You can choose a repayment period that best suits your financial situation.
Can you take a loan out for traveling?
Yes, you can take out a loan specifically for travel. Travel loans are designed to finance your travel expenses, allowing you to plan and enjoy your trips without financial strain.
Choose your personal loan amount with FIRSTmoney
Different ways you can use a FIRSTmoney Personal Loan
Emergency loan
Financial emergencies don’t wait. A FIRSTmoney emergency personal loan ensures you’re prepared to face life’s surprises, from medical crises to urgent repairs, with ease. Skip the hassle of tedious paperwork and access emergency funds instantly within 10 minutes.
Wedding loan
Make your wedding unforgettable with the right financial support. A FIRSTmoney wedding personal loan helps cover every cherished element: decor, venues, entertainment, and more. No compromises, no delays! Just fast disbursal and repayment options that work around your plans. Celebrate love, we’ll handle the rest.
Medical loans
Tackle healthcare expenses head-on with a FIRSTmoney medical personal loan. From planned surgeries to unplanned emergencies, this personal loan offers a financial safety net when you need it most. With quick approvals, a simple application process, and zero collateral requirements, get peace of mind without worry.
Home improvement personal loan
Upgrade your home without the budget roadblocks. A FIRSTmoney home improvement personal loan lets you redesign, repair, or revamp your space effortlessly. From paint to plumbing or furnishing to flooring, we support your ideas with quick funding and smooth repayment plans.
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References:
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/debt-consolidation-loan
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/fees-and-charges
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/personal-loan-in-mumbai
