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  • As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.

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Consumer Durable Loan – Interest Rates & Applicable Charges

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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 9.70%.*

*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
from 20th Sept 2025 including GST.

 Other/ Bureau Pull Charges (Including GST) as below:

 

Loan Amount Range Facilitation Charge Applicable
0 – 5,000 49
5,001 – 10,000 99
10,001 – 15,000 149
15,001 – 20,000 199
20,001 – 30,000 399
30,001 – 40,000 599
40,001 – 50,000 699
50,001 and above 799

Easy Buy EMI Card Fees

Type of Fees Applicable Charges Remarks
Easy Buy EMI Card Fees Rs. 530 One time charges (Including GST)
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.

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