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Introducing the First-in-industry IDFC FIRST Bank's Super Account
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You gain a dedicated partner committed to helping you reach your full potential and achieve new heights
Know More- Account with Auto-Sweep FD
- Account for all Domestic businesses
- Account for Importers & Exporters
- Account for Start-ups
- Accounts for Trusts/Associations/Societies/Clubs
- Account for Merchants
- Account for Agri Traders
- Account for Self-employed professionals
- Special Purpose Accounts e.g. SNRR, RERA, EEFC
BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Streamline your export process with digital convenience with IDFC FIRST Bank's Export Solutions
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Make more than one online payment in just a few clicks with IDFC FIRST Bank Bulk Payments
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FIRSTmoney Fees & Charges
Types of Fees
The interest rates at IDFC FIRST Bank are regularly updated depending on market conditions. Refer to the table below to know our current loan rates.
| Product type | ROI%(Fixed ROI- Monthly Reducing) |
| FIRSTmoney | ROI Starting from 9.99%* |
* T&C Apply
Refer the table below to know applicable Schedule of Charges:
| Types of Fees | Applicable Charges |
| Processing fees (including GST) | 2% |
| Late payment/Penal charges | 2% of the unpaid EMI |
| Stamping Charges | As per actuals |
| EMI Bounce charges per presentation | EMI Bounce Charges 7.5% of the EMI/ Outstanding amount (minimum ₹ 400 & maximum ₹ 1000) |
| Cheque/ Mandate Swap charges (per swap) | NIL |
| EMI Pickup/Collection Charges | ₹ 500.00 |
| Duplicate No Objection Certificate Issuance Charges | ₹ 500.00 |
| Physical Statement of Account/Repayment Schedule | ₹ 500.00 |
| Foreclosure / Prepayment charges | NIL |
| Document retrieval charges (per retrieval) | ₹ 500.00 |
| Cooling-Off Period (Borrower can exit the loan within the cooling-off period by paying the principal and the proportionate charges without any penalty. The loan can be cancelled within 3 days in the cooling off period) | 3 days |
GST, as applicable, will be levied on all service charges.
The above Schedule of Charges is subject to revisions from time-to-time by the Bank, and will be updated here on the official Bank website.
Please refer your loan document for all the schedule of charges applicable to your loan.
Important Terms and Conditions
1. Loan Disbursal Timeline
Loan disbursal within 30 minutes is subject to successful completion of customer verification, credit assessment, and internal bank approvals. Actual disbursal time may vary based on customer profile, documentation completeness, system load, and banking hours.
Actual time may vary due to external dependencies or unforeseen circumstances.
2. Interest Rate Applicability
Interest rates starting at 9.99% p.a. are indicative and subject to change based on the applicant’s credit profile, income, loan amount, tenure, and lending policies. The final rate may differ from the advertised rate and is determined after thorough evaluation.
Rates and terms are subject to change without notice.
3. Digital Journey Eligibility
100% digital loan processing is offered subject to availability of online verification services and successful completion of digital KYC. Terms and conditions apply.
4. Minimum EMI per lakh applicability
₹2,124/Lakh EMI is indicative. Your actual EMI, interest rate (starting at 9.99% p.a.), loan amount (up to ₹10 Lakhs) and tenure (up to 60 months), and approval depend on credit assessment, eligibility, and bank policies. Please note that processing fees and other charges may be applicable in addition to the interest rate. Final loan approval and disbursement are subject to the bank's policies and fulfilment of all eligibility criteria. Prospective borrowers are advised to review the detailed KFS provided by IDFC FIRST Bank for complete information.
Please refer your loan document for all the schedule of charges applicable to your loan.
Pre-Qualified Loans Schedule of Charges
For Pre-Qualified Loans refer the table below to know applicable Schedule of Charges:
| Types of Fees | Applicable Charges |
| Processing fees (excluding GST) | Upto 3.50% of disbursed loan amount for pre-qualified loans |
| Late payment/Penal charges | 2% per month (Exclusive of GST) of the unpaid EMI or Rs 300 (Exclusive of GST) whichever is higher |
| Stamping Charges | As per actuals |
| EMI Bounce charges per presentation | 7.5% of EMI bounced with minimum charge of Rs. 400 & maximum of Rs. 1000 (excluding GST) |
| Technical bounce charges* | Charge rates would be same as applicable under EMI bounce charges |
| Cheque/ Mandate Swap charges (per swap) | 500 Exclusive of GST |
| EMI Pickup/Collection Charges | 500 Exclusive of GST |
| Duplicate No Objection Certificate Issuance Charges | 500 Exclusive of GST |
| Physical Statement of Account | 500 Exclusive of GST |
| Physical Repayment Schedule | 500 Exclusive of GST |
| Document retrieval charges (per retrieval) | 500 Exclusive of GST |
| Foreclosure / Prepayment charges | For Pre-Qualified loans, Allowed after payment of 12 or more EMI’s or 12 months whichever is later. 5% foreclosure charges applicable on principal outstanding For Pre- Qualified FIRSTMoney, Allowed anytime without any charges. |
| Cancellation/Rebooking charges | Loan can be cancelled within 15 days from disbursal date at no charges. Post 15 days of freelook period, foreclosure norms will apply |
| Part-Payment Clause | Not Allowed |
*Mandate Rejection technical Bounce Charges (for mandate rejected by your bank, to be charged for each month from 3rd consecutive bounce month onwards until the mandate is registered).
GST, as applicable, will be levied on all service charges.
