Home Loan EMI and Repayment Customer Care FAQs

Text size:
S M L
Letter spacing:

Select an area for your enquiry

Categories > EMI and Repayment Related

Where can I get my EMI details?

You can check the EMI details of your home loan through the below mentioned channels -

Customer Portal: click here

Go to Customer Support page
Navigate to Home loans tab
Select loan EMI detail

Through Mobile/Net-banking, click here

Login to mobile app / Net banking
Navigate to the loans tab
Select Home Loan (if multiple loans), you will see your EMI amount and other details on loans dashboard

How do I make overdue payments of my Loan?

You can pay your EMI and overdue payments, if any, through the below mentioned channels -

Customer Portal: click here

Go to customer support page
Navigate to Home loans tab
Select loan "Pay EMI"

Mobile/Net-banking:

Login to the Net / Moobile banking app, click here
Navigate to the loans tab and select the loan
On the Loans dashboard, click on Pay EMI

How do I apply for refund of excess payment made for my Home loan?

You can request for refund of excess payment made for your loan through the below mentioned service channels:

Raise a request through our customer servive portal, click here. Through various service channels:
You can visit our branch to raise a request. Click here to find a branch near you
Call us on 1800-10-888

How do I foreclose my loan?

Customers can pay through Cheque/DD at nearest loan branch To locate the nearest branch, click here Find Nearest Branch

What are the available modes of repayment of my Home loan?

Auto Debit SI/ ECS Facility:

You can repay your loan through ECS or Auto Debit from your bank account. All you have to do is allow us to activate the bank mandate.

Can I make a pre-payment / part-payment for my loan?

Yes, you can make pre-payment to the loan. By default, part pre-payments impact the tenure. For reduced EMI, you will have to place a formal request through any of our service channels, immediately after making the payment.
Customers can pay through Cheque/DD at their nearest branch. To locate the nearest branch, click here Find Nearest Branch

What is the EMI date offered by IDFC FIRST Bank for Home loans?

Dear customer, the EMI payment dates offered for Home loans is 3rd and 5th of every month.

What is the Loan repayment process for Home loan?

The mode for loan repayment is NACH/ ECS through Equated Monthly Instalments or EMIs. Here you pay a fixed amount each month, until your loan is repaid. Every instalment of the loan that you repay will be partly made up of principal repayment and part interest payment.