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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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Privilege Program
- Privilege Program
Unlock features, exclusively available
only on the IDFC FIRST Bank app
All Digital Lending Partners and Applications
Personal Loans
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IDFC FIRST Bank
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A & A Dukaan Financial Services Private Limited
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Angel One Limited
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Banayantree Services Limited
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Dreamplug Technologies Private Limited
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Epifi Technologies
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Finzoomers Services Private Limited
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Google India Digital Services Private Limited
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Billionbrains Garage Ventures Limited
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OLA Financial Services Private Limited
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One97 Communications Pvt Ltd
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Paisabazaar Marketing And Consulting Private Limited
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Paysense Services India Private Limited
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PhonePe Lending Services Private Limited
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Scapic Innovations Private Limited
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Whizdm Innovations Private Limited
Buy Now Pay Later
Consumption Finance / Consumer Durable EMI
Trade Finance, Business Loans
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Ninjacart Services Private Limited
Digital Two-Wheeler
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Flipkart Advanz Private Limited
Credit Card - Quick Cash
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IDFC FIRST Bank
Loan Against Securities
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IDFC FIRST Bank
Digital Lending Interest Rates, Fees & Charges
Rate of Interest and applicable charges on Digital Lending:
1) Digital personal loans, ROI starting from 10%*
2) BNPL/Digital CD loans, ROI starting from 10.45%*
3) Trade Finance, Business Loans : ROI starting from 15%*
*T&C Apply*
Digital personal loans
Charges Description |
Fees / Charges |
Processing fees /Usage fee |
Upto 3.5% of Loan Amount |
Late payment/Penal charges |
Upto 2.5% of the unpaid EMI |
EMI Retun/Bounce Charges/Tech Bounce Charges |
7.5% of Bounced EMI Amount with Min. charge of INR 400/- & Max. of INR 1000/- (excluding GST) |
EMI Pickup/Collection Charge |
Upto INR 500/- as applicable |
Foreclosure Chargers/Part Payment Charges |
Upto 5% of Principal loan outstanding |
Insurance Charge (if any linked to the loan) |
Upto 5% of loan amount |
Loan Cancellation/cooling off period |
For Digital Loans, it can be cancelled within cooling off period with a payment of proportionate APR/ROI. Post Cooling off period, the loan will be treated as standard foreclosure with upto 5% charge. |
Digital Consumer Durable Loans (Digital CD/BNPL)
Charges Description |
Fees / Charges |
Processing fees |
Upto 3.5% of Loan Amount |
Facilitation Fees/Activation Fee/Usage fee |
Upto INR 500/- |
Late payment/Penal charges |
Upto 5% per month of the overdue amount per instance of default |
EMI Bounce Charges/Tech Bounce Charges |
15% of Bounced EMI Amount Up to INR 750/- (excluding GST) |
EMI Pickup/Collection Charge |
Upto INR 350/- as applicable |
Foreclosure Chargers/Part Payment Charges |
Upto 5% of Principal loan outstanding |
Cancellation & Rebooking charges/Cooling off period |
Digital BNPL Loans, it can be cancelled within 3 days with proportionate APR/ROI as applicable. Post 3 days of Cooling off period, the loan will be treated as standard foreclosure with upto 5% charge. |
Trade Finance, Business Loans
| Charges Description | Fees / Charges |
| Late payment/Penal charges | Up to 24% P.A (to be levied on overdue amount and for overdue period) |
1. GST, as applicable, will be levied on all service charges.
2. Foreclosure charges will be levied based on the applicability and other Terms and Conditions.
3. The above Schedule of Charges is subject to revision from time to time by the Bank.
Important Links
| 1 | Sachet Portal | https://sachet.rbi.org.in/ |
| 2 | RBI's Complaint Management System (CMS) | https://cms.rbi.org.in/ |
| 3 | IDFC FIRST Bank Privacy Policy | https://www.idfcfirst.bank.in/privacy-policy |
| 4 | Grievance Redressal | https://www.idfcfirst.bank.in/support/grievance-redressal |
| 5 | Banking Ombudsman | https://www.idfcfirst.bank.in/banking-ombudsman |
For Queries or Complaints, reach us at: Customer Care: 1800 10 888
Grievance Redressal:
In case you are not satisfied with the response received from access channels, you can escalate your concern by contacting the Nodal Officer via email - rno@idfcfirstbank.com or call 022-41652700 between 09:30 am and 6:00 pm (Monday to Saturday, excluding bank Holidays). For any further escalation, write in to Mr. Vipul Raj , PNO, IDFC FIRST Bank Ltd. Building no. 09, 17th floor, Gigaplex Raheja Mindspace IT-5, Airoli, Navi Mumbai – 400708, Maharashtra., India. Email - pno@idfcfirstbank.com or call 1800 209 9771 (24x7).