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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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IDFC FIRST Bank HPCL Credit Card
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Newbazaar Technologies Private Limited
| Partner Website | https://www.getshopse.com |
| Digital Lending App | ShopSe |
| Link to Digital Lending App |
https://play.google.com/store/apps/details?id=com.shopse.consumer&hl=en_IN |
| Product Type | Consumption Loan – EBC |
| Product Details | Consumption finance loan basis customer's offer and fixed tenure selected by the customer |
| Tenure | 6 to 24 months |
| Loan Amount | ₹ 10,000 up to ₹ 50,000 |
| Partner Grievance Redressal Officer |
Name: Amar Sawant |
| Remarks | LSP provides services with respect to customer sourcing and servicing |
Read more about Products and
Services
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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 Return/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 |
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 |