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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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Gold loan Interest Rates
The interest rates at IDFC FIRST Bank are regularly updated depending on market conditions. Refer to the table below to find out our current loan rates.
| Product type | Rate of Interest (ROI %) |
| Gold Loan | ROI starting from 0.9%* |
* T&C Apply
Pre-disbursal Fees/Charges:
Refer to the table below to know applicable charges:
Description |
Fees/Charges |
GST Applicable |
Processing Fees |
Up to 1% of the Loan Amount |
Yes |
Gold Valuation Charges |
Minimum charge of Rs.199 & maximum of Rs. 4999-per case |
Yes |
Stamp Duty |
As per the actual state norms |
No |
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.
Post Disbursal Fees/Charges:
Refer to the table below to know applicable charges.
Description |
Fees/Charges |
GST Applicable |
Bounce Charges |
10% of EMI bounced with minimum charge of Rs. 200 & maximum of Rs. 750 |
Yes |
Technical Bounce Charges* |
10% of EMI bounced with minimum charge of Rs. 200 & maximum of Rs. 750 |
Yes |
Part Payment Charges |
Up to 2% of Part Payment amount if payment is made within 365* days of date of disbursement |
Yes |
Foreclosure Charges |
Up to 2% of principal outstanding amount if loan is closed within 365* days of date of disbursement |
Yes |
Late Payment Charges |
During loan tenure: 2% per month on overdue amount or ₹300, whichever is higher |
No |
Auction Charges- Issuance of Notice |
₹375/- |
Yes |
Auction Charges – Issuance of Publication |
As per the actual publication charges |
Yes |
Auction Charges – Platform Fees |
1% of the Ornament bidding amount |
Yes |
*Mandate Rejection Technical Bounce Charges (for mandate rejected by your bank, to be charged for each month from 3rd consecutive bounce month onwards until the mandate is registered).
*Refer to your Sanction Letter to know actual applicable foreclosure and part payment charges.
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.
