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FAQs
What does foreclosure of Personal Loan mean?
Personal Loan foreclosure refers to paying off the remaining balance of a loan before the contractual tenure ends. However, some lenders may charge foreclosure fees for early loan closure, so it is important to carefully read the terms of the loan agreement beforehand.
What are different ways to close a Personal Loan?
There are two ways to close a Personal Loan:
Maturity closure: This refers to the complete repayment of the loan amount, including any interest or fees, at the end of contractual tenure.
Foreclosure: Foreclosure of a Personal Loan means paying off your entire loan amount before the predetermined loan term.
Both methods signify the end of the loan agreement, and the borrower is no longer obligated to make any further payments.
What are Personal Loan foreclosure charges?
Foreclosure charges can vary depending on the lender and the terms of the loan agreement. Click the below link for further information:
How do I raise foreclosure request?
You can apply for a loan foreclosure through any of these channels:
- Call us on 1800 10 888, and follow the IVR instructions for foreclosing your loan
- Walk into your nearest Loan Servicing Centre : https://www.idfcfirst.bank.in/support/asset-branch
- Walk into your nearest IDFC FIRST Bank Branch : https://www.idfcfirst.bank.in/support/branches
If you are a FIRSTmoney Smart Personal Loan customer, follow the below steps to foreclose your loan:
IVR:
- Dial our toll-free number 1800 10 888, and select the Loan option
- Verify your identity using your date of birth in the DDMMYYYY format
- Select the Loan that you wish to foreclose
- Press the relevant option for Foreclosure and confirm your selection
- An SMS, including your loan details and foreclosure amount and a link to make the payment, will be sent to your registered mobile number. This payment link will be valid for 72 hours
- Upon successful payment, your loan will be closed within 72 hours
Website:
- Click here to begin your loan foreclosure process
- Enter your registered mobile number & date of birth or loan account number
- All your active loans will be available for closure, but if you have missed paying your EMI, please reach out to us here https://partner.idfcfirstbank.com/QuickPayEMI/Login/LoginEMI.aspx
- Select the loan you wish to foreclose, check the charges and make the payment
- Upon successful payment, your loan will be closed within 72 hours
Mobile app:
- Download the IDFC FIRST Bank mobile app
- Register using your registered mobile number and date of birth. Please ensure you use the same mobile number that is linked to your loan, and date of birth same as your PAN Card.
- Under ‘Loans’, select the loan you wish to close
- Click on Foreclose loan and complete your payment
- On successful payment, your loan will be closed within 72 hours
WhatsApp:
- Simply send ‘Hi’ to 95555 55555 via WhatsApp
- Select Loans > Foreclose loan > select the desired Loan option and follow the steps
- All your active loans shall be available for closure, but in case you have missed paying your EMI, please reach out to us here https://partner.idfcfirstbank.com/QuickPayEMI/Login/LoginEMI.aspx
- Select the loan you wish to foreclose and make the payment
- On successful payment, your loan will be closed within 72 hours
Feel free to contact our Customer Care on toll-free number 1800 10 888 or visit your nearest IDFC FIRST Bank branch.
How do I get No Dues Certificate for my Personal Loan?
1. No Dues Certificate (NDC) is a document that is shared after the loan closure is processed. This is an important document that you should keep in your custody after the successful loan closure for all future references.
- Log in to Net Banking or Mobile App
- Select the Loan option or click on See More to select Closed Loan
- Click on Documents
- Choose No Dues Certificate/No Objection Certificate from the list of options
If you would like to know more about Personal Loans, click here:
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/higher-limit#faqs
