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Personal Loan

Step-by-step guide to checking your personal loan status

Key Takeaways

It's important to know your loan status to stay informed about the approval process and any required actions.
To check the status of a personal loan application with IDFC FIRST Bank, visit the bank’s customer portal or mobile app by logging in with your user ID and password.
Alternatively, you can login to the bank’s netbanking portal, enter your registered mobile number and date of birth, and follow the prompts to check your loan status.

06 Oct 2025 by Team FinFIRST

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Applying for a personal loan is often just the beginning of your financial journey. Whether it's for a medical emergency, a home upgrade, or managing education expenses, staying informed about your application status is essential. It not only helps you track your loan’s progress but also alerts you to any additional actions needed from your side. This guide will walk you through everything you need to know to check your personal loan application status—quickly, easily, and without unnecessary delays.

Instant personal loan: Easy solution to your financial needs

These are the documents required for you to get a Personal Loan

Why do you need to check the personal loan application status?

Knowing your loan status helps you:

Track approval progress: Understand whether your loan is under review, approved, or rejected.
Act promptly: In case of pending documentation or eligibility issues, early updates let you resolve them faster.
Plan finances better: A clear picture of disbursal timelines helps manage your expenses and budgeting more effectively.

Want to check your personal loan application status? Keep these details handy

Once you have the access to the IDFC FIRST Bank mobile application or official website, you’ll need to enter a few details to check your loan application status. Before you begin, ensure you have the following:

Your loan application/reference number
Registered mobile number
Date of birth or login credentials (User ID/password)
Access to the IDFC FIRST Bank mobile app or official website

Steps to check the personal loan application status

1. Through the customer portal

Visit the official IDFC FIRST Bank website.
Click on the ‘Log in’ tab and enter your User ID/password or registered mobile number and date of birth.
Select ‘Products and Services’ > ‘Check Loan Application Status’.
Enter the required details and authenticate via OTP to view your application status.

2. Via the ‘Track My Loan Application’ tool

Go to the ‘Track My Loan Application’ section on the website.
Choose your product, enter your registered mobile number, and authenticate with OTP.
Your loan status—whether under process, approved, or declined—will be displayed.

3. Through the mobile app

Download the IDFC FIRST Bank Mobile App.
Log in with your credentials.
Go to ‘Menu’ > ‘Products and Services’ and select your loan product.
Enter your application number and tap ‘Submit’ to view your status.

Checking personal loan application status offline

If you prefer offline methods:

Call customer care: IDFC FIRST Bank customers can dial 1800 10 888 between 9:30 AM and 6:00 PM on working days. Keep your reference number handy while calling for faster responses.
Visit the bank branch: Head to the nearest IDFC FIRST Bank branch with your ID proof to inquire about your application.

Convenience, ease, affordability – Why you should consider IDFC FIRST Bank

IDFC FIRST Bank’s FIRSTmoney smart personal loans feature instant loan approvals for amounts up to ₹15 lakhs with a fully digital and paperless process.

Here’s why it stands out:

Competitive interest rates starting from 9.99% p.a. and tenures ranging from 9 to 60 months
Quick approval with V-KYC where you just need to display your physical PAN card
Loans for travel, medical expenses, home renovation, or other needs
Available for both salaried and self-employed individuals with a stable income

Your goals are just a click away!

IDFC FIRST Bank makes it easier for you to avail funds and track the progress without any hassle. Facilitating a seamless experience, FIRSTmoney offers flexibility, swiftness and a 100% digital, paperless journey to ensure that financial shortfalls don’t stop you from achieving your goals.

Benefit from staying updated on your personal loan status in real time. Apply today!

Frequently Asked Questions

How do I check all my loan details by PAN number?

To check your loan details using your PAN number, you can use the official credit bureau websites like CIBIL. After registering or logging in, provide your PAN number to access a comprehensive report of all your loans. You may also contact your bank's customer service and provide your PAN number for assistance. With FIRSTmoney, you can access all your loan details via net banking or a mobile app on the go.

How do I check all my loan details by Aadhaar number?

There is no direct method to check all your loan details via your Aadhaar number right now. However, contacting your bank's customer service with your Aadhaar number can help you verify your identity and retrieve the necessary information about your running loan with the bank. For FIRSTmoney customers, accessing loan details through the online portal or mobile app using your registered mobile number linked to your Aadhaar is a convenient option.

I have lost the personal loan application reference number. What can I do to track the status of my loan now?

If you have lost your personal loan application reference number, you can still track the status of your loan. Contact the customer service of the bank where you applied for the loan. Provide them with the necessary details such as your name, PAN number, Aadhaar number, and date of application. This information will help them locate your loan application. FIRSTmoney customers can easily track their loan application status through the online portal or mobile app using their login credentials.

How can I check my personal loan application status?

Open the official mobile app or NetBanking [DN1] [PS2] and look for your loan tile to see live updates. Keep an eye on SMS and email for alerts or links that show progress. If nothing appears, contact the helpline or visit a branch with your application number and valid ID. Save acknowledgements and screenshots. Ask whether any pending KYC, documents, or mandate steps are holding things up, then upload clean copies to move forward. In the case of FIRSTmoney personal loan, all you need to do is visit the loans section on the app to check your loan status.

Can I track my loan status online with IDFC FIRST Bank?

Yes, tracking is available through the app and NetBanking. Sign in, open the loans section, and review the status screen for your application. You may also receive alerts by SMS or email that point to the next action. If the dashboard is blank, raise a service request from inside the app. Check that your registered mobile and email are correct so one -time passwords and notifications reach you promptly.

What details do I need to check the personal loan status?

Have your application number, registered mobile, and date of birth ready for verification. Some channels may ask for PAN or customer ID. Ensure you can access your registered email for one-time passwords and status mails. If you applied through a partner, keep their reference handy. Store KYC files, bank statements, and acknowledgement screenshots so support teams can locate your case quickly if the self-service view is not showing.

How long does it take to get an update for personal loan after applying?

Timelines vary with the journey and checks involved. Digital applications can show movement soon after video KYC, bank verification, and mandate steps finish successfully. Extra documents, holidays, or network issues can stretch timelines. Prepare Aadhaar, PAN, bank details, and statements in advance, and reply quickly to calls or messages. If you see no change after a reasonable wait, raise a service request with your application number for a detailed update.

Can I change my personal loan amount after application?

You can ask for a revision, although options depend on stage and policy. If underwriting is still ongoing, you may request a higher or lower amount. A higher figure can trigger additional checks, while a reduced figure may lower the instalment. Once the agreement is generated, edits narrow. Use the app or helpline to raise a ticket and request a fresh cost summary before confirming any change to the amount.

In the case of FIRSTmoney personal loan you can withdraw a loan amount based on your choice from the approved loan offer. The withdrawal can be in one go or in multiple tranches depending on your available loan offer.

What should I do if my personal loan is delayed?

Start by checking the app and emails for pending actions, rejected uploads, or mandate issues. Re-upload clear statements and KYC if requested. Confirm that your bank details and address match across documents. If nothing is flagged, call the helpline with your application number and ask for current status. Keep ticket numbers and confirmations. Consider a brief branch visit if online steps stall, and carry originals to complete any remaining verification.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.