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Introducing the First-in-industry IDFC FIRST Bank's Super Account
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BRAVO (Auto Sweep)
Convert the idle funds in your current account into a fixed deposit with the BRAVO feature.
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Elevate Your Lifestyle with Easy & Affordable Consumer Durable Loans
Bring home extra happiness with No Cost EMIs and instant loans from ₹5,000 to ₹8 Lakhs.
Instant Approval
No Cost EMI
Paperless Process
Flexibile Tenures
Consumer Durable Loan
Convert your Big Buys into Small Affordable EMIs with IDFC FIRST Bank Consumer Durable Loan. Fulfil your shopping Wishlist of electronics, gadgets, home appliances, lifestyle products & much more with attractive schemes.
Our loans are tailored to your needs, with flexible tenures up to 36 months for loan amounts ranging from ₹5,000 to ₹8 lakhs. Meet our representative at a store near you to apply for a Consumer Durable Loan.
Consumer Durable Loan Key Benefits
Pre-qualified Offer
Redeem against any number of purchases, Minimum value of ₹3,000.
Instant Approvals
Click on Apply Now and check your eligibility OR Walk into any store and apply for a loan
Paperless Journey
Access quick loans anytime, anywhere.
No Cost EMI options
No Cost EMI options
Flexible Tenures
Choose your repayment plan between 3 to 36 months.
Dynamic Offers
With automated credit history check, get offer up to 8 lakhs.
Easy Access to Loan Information
View loan details, download documents, make payments, etc via Mobile app.
Anytime Service on Fingertips
Connect with us on Mobile App, WhatsApp, Website, IVR, for your convenience.
Stores and Offers
Eligibility and How to Apply
Who Can Apply?
Consumer Durable Loan criteria is as below:
Nationality of the applicant
Indian
Age of the applicant
18-65 years* TnC apply
Employment Status
Active
Employment Type
Salaried/Self Employed
How to Apply
Consumer Durable Loan criteria is as below:
1
Click “Apply Now” or scan the QR code
2
Enter your mobile number and PAN details
3
View prequalified offer & find nearby dealer
Scan the QR code to start your application journey
Products on EMI
SMART PHONE
Get the latest smartphone on easy No Cost EMI up to 24 months. Finance flagship models from ₹5,000 to ₹8 Lakhs with instant approval and zero paperwork at IDFC FIRST Bank partner stores.
LAPTOP
Get laptops for work, study, or gaming on No Cost EMI with flexible tenure up to 24 months. Finance premium laptops from ₹5,000 to ₹8 Lakhs with instant approval.
TABLET
Buy iPads and Android tablets on easy No Cost EMI with zero paperwork. Finance tablets from ₹5,000 to ₹8 Lakhs with instant approval and flexible tenure up to 24 months.
SMART WATCH
Get smartwatches and fitness trackers on affordable No Cost EMI. Finance wearable devices with instant loan approval and flexible repayment from 3-24 months.
WASHING MACHINE
Purchase fully automatic and semi-automatic washing machines on attractive No Cost EMI. Get instant paperless approval with flexible repayment plans from 3-36 months at partner stores.
REFRIGERATOR
Buy refrigerators from single door to French door models on No Cost EMI. Finance up to ₹8 Lakhs with zero down payment and instant approval at 1000+ partner stores.
PANEL LED
Buy smart LED TVs on No Cost EMI with flexible tenure up to 36 months. Get instant approval for television loans from ₹5,000 to ₹8 Lakhs at IDFC FIRST Bank partner stores nationwide.
Cooler
Get air coolers including desert, tower, and personal coolers on affordable EMI plans. Finance cooling solutions with flexible tenure up to 36 months and instant approval.
AUDIO
Finance home theatre systems, soundbars, and audio devices on No Cost EMI. Get instant approval for premium audio equipment with flexible repayment from 3-36 months.
AIR CONDITIONER
Buy split, window, and inverter ACs on No Cost EMI with zero down payment. Get instant approval for AC loans up to ₹8 Lakhs with flexible tenure up to 36 months.
KITCHEN APPLIANCES
Finance kitchen chimneys, induction cooktops, mixers, and OTGs on easy No Cost EMI. Modernize your kitchen with loans from ₹5,000 to ₹8 Lakhs and instant paperless approval.
ADAPTER
Purchase original branded power adapters and fast chargers on convenient EMI plans. Get instant approval with flexible repayment options at IDFC FIRST Bank partner stores.
HEAD PHONE
Purchase premium headphones, wireless earbuds, and audio devices on easy No Cost EMI. Get instant approval with zero paperwork at 1000+ IDFC FIRST Bank partner stores.
WATER PURIFIER
Buy RO, UV, and UF water purifiers on hassle-free No Cost EMI with instant approval. Finance water purifiers up to ₹8 Lakhs with flexible repayment tenure from 3-36 months.
MICROWAVE
Finance solo, grill, and convection microwave ovens on easy No Cost EMI. Get instant paperless approval with zero down payment and flexible tenure up to 36 months.
STABILIZER
Purchase voltage stabilizers for protecting home appliances on affordable EMI. Get instant approval with flexible payment terms from 3-36 months at partner stores.
INVERTER
Get home inverters and UPS systems on easy No Cost EMI with minimal documentation. Finance power backup solutions up to ₹8 Lakhs with instant approval.
GEYSERS
Buy instant and storage water heaters on No Cost EMI. Get geysers with instant approval, zero down payment, and flexible repayment options from 3-36 months.
MIXER GRINDER
Finance powerful mixer grinders from top brands on affordable No Cost EMI. Get hassle-free approval with flexible repayment tenure up to 36 months at partner stores.
DISHWASHER
Purchase freestanding and built-in dishwashers on easy No Cost EMI with zero down payment. Finance dishwashers up to ₹8 Lakhs with flexible tenure and instant approval.
VACCUM CLEANER
Buy robotic, upright, and handheld vacuum cleaners on convenient No Cost EMI. Get instant loan approval with flexible repayment from 3-36 months at 1000+ stores.
AIR PURIFIER
Get HEPA and activated carbon air purifiers on affordable No Cost EMI with minimal documentation. Finance air purifiers with instant approval and flexible tenure up to 36 months.
WATER DISPENSER
Purchase hot and cold water dispensers on easy No Cost EMI. Get instant approval with flexible repayment and zero down payment at IDFC FIRST Bank partner stores.
SMART PHONE
Get the latest smartphone on easy No Cost EMI up to 24 months. Finance flagship models from ₹5,000 to ₹8 Lakhs with instant approval and zero paperwork at IDFC FIRST Bank partner stores.
LAPTOP
Get laptops for work, study, or gaming on No Cost EMI with flexible tenure up to 24 months. Finance premium laptops from ₹5,000 to ₹8 Lakhs with instant approval.
TABLET
Buy iPads and Android tablets on easy No Cost EMI with zero paperwork. Finance tablets from ₹5,000 to ₹8 Lakhs with instant approval and flexible tenure up to 24 months.
SMART WATCH
Get smartwatches and fitness trackers on affordable No Cost EMI. Finance wearable devices with instant loan approval and flexible repayment from 3-24 months.
WASHING MACHINE
Purchase fully automatic and semi-automatic washing machines on attractive No Cost EMI. Get instant paperless approval with flexible repayment plans from 3-36 months at partner stores.
REFRIGERATOR
Buy refrigerators from single door to French door models on No Cost EMI. Finance up to ₹8 Lakhs with zero down payment and instant approval at 1000+ partner stores.
PANEL LED
Buy smart LED TVs on No Cost EMI with flexible tenure up to 36 months. Get instant approval for television loans from ₹5,000 to ₹8 Lakhs at IDFC FIRST Bank partner stores nationwide.
Cooler
Get air coolers including desert, tower, and personal coolers on affordable EMI plans. Finance cooling solutions with flexible tenure up to 36 months and instant approval.
AUDIO
Finance home theatre systems, soundbars, and audio devices on No Cost EMI. Get instant approval for premium audio equipment with flexible repayment from 3-36 months.
AIR CONDITIONER
Buy split, window, and inverter ACs on No Cost EMI with zero down payment. Get instant approval for AC loans up to ₹8 Lakhs with flexible tenure up to 36 months.
KITCHEN APPLIANCES
Finance kitchen chimneys, induction cooktops, mixers, and OTGs on easy No Cost EMI. Modernize your kitchen with loans from ₹5,000 to ₹8 Lakhs and instant paperless approval.
ADAPTER
Purchase original branded power adapters and fast chargers on convenient EMI plans. Get instant approval with flexible repayment options at IDFC FIRST Bank partner stores.
HEAD PHONE
Purchase premium headphones, wireless earbuds, and audio devices on easy No Cost EMI. Get instant approval with zero paperwork at 1000+ IDFC FIRST Bank partner stores.
WATER PURIFIER
Buy RO, UV, and UF water purifiers on hassle-free No Cost EMI with instant approval. Finance water purifiers up to ₹8 Lakhs with flexible repayment tenure from 3-36 months.
MICROWAVE
Finance solo, grill, and convection microwave ovens on easy No Cost EMI. Get instant paperless approval with zero down payment and flexible tenure up to 36 months.
STABILIZER
Purchase voltage stabilizers for protecting home appliances on affordable EMI. Get instant approval with flexible payment terms from 3-36 months at partner stores.
INVERTER
Get home inverters and UPS systems on easy No Cost EMI with minimal documentation. Finance power backup solutions up to ₹8 Lakhs with instant approval.
GEYSERS
Buy instant and storage water heaters on No Cost EMI. Get geysers with instant approval, zero down payment, and flexible repayment options from 3-36 months.
MIXER GRINDER
Finance powerful mixer grinders from top brands on affordable No Cost EMI. Get hassle-free approval with flexible repayment tenure up to 36 months at partner stores.
DISHWASHER
Purchase freestanding and built-in dishwashers on easy No Cost EMI with zero down payment. Finance dishwashers up to ₹8 Lakhs with flexible tenure and instant approval.
VACCUM CLEANER
Buy robotic, upright, and handheld vacuum cleaners on convenient No Cost EMI. Get instant loan approval with flexible repayment from 3-36 months at 1000+ stores.
AIR PURIFIER
Get HEPA and activated carbon air purifiers on affordable No Cost EMI with minimal documentation. Finance air purifiers with instant approval and flexible tenure up to 36 months.
WATER DISPENSER
Purchase hot and cold water dispensers on easy No Cost EMI. Get instant approval with flexible repayment and zero down payment at IDFC FIRST Bank partner stores.
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FREQUENTLY ASKED QUESTIONS
What is a Consumer Durable Loan?
A Consumer Durable Loan is a finance solution that makes durable items like electronics, home appliances, furniture, etc. more accessible with easy No Cost EMI Options.
Products which you can shop for with a Consumer Durable Loan are:
• Digital Products like Mobile phones, cameras, tablets, DSLRs, audio devices, laptops, Smart watches, etc.
• Home appliances like Refrigerators, Air Conditioners, Washing Machines, Microwaves, Water heater, Water purifier etc.
• Lifestyle products like Furniture, home decor items, Automotive parts like Tyres, CNG fitments etc. can be purchased with a Consumption Finance Loan.
Is Consumer Durable Loan a secured or an unsecured loan?
Consumer Durable Loans are unsecured loans where you are not required to pledge anything as collateral for the loan.
Why should I take a Consumer Durable Loan from IDFC FIRST Bank?
With IDFC FIRST Bank Consumer Durable Loan you can:
- Purchase your desired consumer durable products at affordable EMIs without an immediate financial burden.
- Pay in easy installments with nominal or no down payment as per the product offer.
- Avail of No-Cost EMI option on a wide range of products thus making your purchase even more affordable.
-Service on fingertips-You can easily access all your loan & EMI details, view and download Statement of Account, NOC, Repayment Schedule, etc. or make payments by downloading the IDFC FIRST Bank Mobile app.
What is the interest rate on IDFC FIRST Bank Consumer Durable Loan?
IDFC FIRST Bank offers competitive interest rates including No Cost EMI facility and flexible tenure schemes ranging from 6-36 months. Please refer to the Consumer Durable Loan Schedule of charges for additional information.
