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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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Interest Rate
Refer to the table below to know the current consumer durable loan rates
| Product type | Minimum ROI (%) |
| Consumer Durable Loan | 9.90%.* |
*Note: T&C Apply | Rate is applicable for minimum 6 months tenure.
Charges / Fees
| Type of Fees | Applicable Charges | Remarks |
| Processing Fees | As applicable | Fees are applicable at the time of loan agreement execution |
| EMI Bounce Charges | 15% of EMI | Maximum :Rs. 750/-* *Note: Revised bounce charges are effective from April 1, 2025 |
Per instance of dishonour of cheque /SI/ECS/NACH debit instruction + GST as applicable |
| Penal charges/ Late Payment/Default interest/Overdue |
Upto 2% per month of the overdue instalment or Rs. 300 whichever is higher. No GST is applicable for Penal charges. | Any delay in payment of monthly installment/ EMI shall attract penal interest per month on the Monthly Instalment/ EMI Outstanding, from the date of default until the receipt of Monthly Instalment/ EMI. |
| Swap Charges (Cheque/ Repayment Instrument) | Nil | (Cheque/ Repayment Instrument) |
| EMI Pick up/ Collection Charges | Upto Rs.350 | Per Pick up /collection |
| Tech bounce charges | 15% of EMI | Maximum :Rs. 750/-* *Note: Revised bounce charges are effective from 24th July 2025 |
Technical Bounce charges will be applicable for each month from third consecutive bounce month with any of the below reasons; • Inp consecutive bounce • Inp mandate invalid • Mandate rejected by bank • Rejected |
| Foreclosure Charges | 5% of principal O/S Amt | Loan foreclosure is permitted at any time during the loan tenure, subject to a minimum of 30 days having passed since the date of disbursement. |
Facilitation Charges(fees)* *Note: Revised Facilitation fee grid is effective |
Other/ Bureau Pull Charges (Including GST) as below: | |
| Facilitation Charge Applicable | ||
| Loan Amount* Range | EBC | NTB |
| 0 – 5,000 | 45 | 49 |
| 5,001 – 10,000 | 90 | 99 |
| 10,001 – 15,000 | 135 | 149 |
| 15,001 – 20,000 | 181 | 199 |
| 20,001 – 30,000 | 363 | 399 |
| 30,001 – 40,000 | 545 | 599 |
| 40,001 – 50,000 | 635 | 699 |
| 50,001 and above | 726 | 799 |
| [Note: *Loan Amount (asset cost – margin money (as per LOS (SFDC))] | ||
Easy Buy EMI Card Fees
| Type of Fees | Applicable Charges | Remarks |
| Easy Buy EMI Card Fees | NIL | NA |
| Card Replacement Fees | NIL | NA |
| Easy Buy EMI Card Annual Fee | NIL | NA |
Other Charges
| Type of Fees | Applicable Charges | Remarks |
| Cancellation & Rebooking charges | NIL | Cancellation request to be received within 30 days or 1st EMI presentation date, post which cancellation will be treated as foreclosure.. |
| Duplicate No Objection certificate/No Due Certificate |
Upto Rs. 500 | Request in addition to bank’s issued letter |
| Duplicate Statement issuance charges | Upto Rs. 500 | Per instance per set + GST as applicable. |
| Stamp Duty | Not Applicable | |
| Part Payment Charges | Not allowed | |
| Loan Rescheduling Charges | Not Applicable |
Disclaimer:
GST, as applicable, will be levied on all service charges. The pre-payment/foreclosure of the loan has to be done using customer’s own funds. The Services accounting code would be provided by IDFC FIRST Bank and shall be binding on customer. In case customer is related person to IDFC FIRST Bank, GST, as may be applicable, needs to be paid by customer. The above Schedule of Charges is subject to be revised from time to time by the Bank, as will be updated on the official website of the Bank.
