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Achieve your goals with quick approval, low interest rates, and zero foreclosure charges
Loan amount
Loan term in months
Repay anytime with 0 Foreclosure charges!
Choose the Interest Rate
Lowest interest rate unlocked!
Your EMI will be
Total Interest Payable
Total Amount Payable
Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply. **For select loan amounts
A personal loan for women is a type of unsecured loan that helps women meet a range of expenses such as education, medical treatment, business needs, home renovation, travel, etc. Salaried and self-employed women with a stable income source and credit profile can apply. FIRSTmoney personal loan for women is offered by IDFC FIRST Bank, where you can borrow up to ₹15 lakhs through a 100% digital process within minutes.
As an unsecured personal loan, FIRSTmoney does not require you to pledge property, jewellery, or any other collateral while applying.
A personal loan for women can support both planned and unexpected financial requirements across different stages of life.
• Education expenses: A personal loan for women can finance children's education, professional certifications, skill-development courses, and higher studies.
• Medical costs: An instant loan for women helps cover planned treatments as well as unexpected medical emergencies. Manage diagnostic, consultation, and treatment costs not covered under the health insurance policy or cover emergency medical costs with 10-minutes disbursal for FIRSTmoney personal loan.
• Growing a business: Women entrepreneurs can use a personal loan to launch a new venture or expand an existing business through investments in inventory, equipment, marketing, and working capital.
• Home renovation: A personal loan allows you to renovate or upgrade your home without delaying your plans because of temporary cash-flow constraints. Upgrading or repairing home as and when required instead of letting the lack of funds delay plans. As you spend in stages, get additional funds without applying from scratch with FIRSTmoney multiple on-demand loans.
• Travel: Women can use a personal loan to finance domestic or international travel expenses without disturbing long-term savings. Pay upfront cost of domestic or international travel, including hotel and flight bookings, intercity travel, paying for experiences, and so on.
• Wedding and events: Paying for a venue, décor, catering and other expenses that add up in prime localities for weddings, anniversary celebrations, and other family functions. Fund the hefty expenses with FIRSTmoney loan up to ₹15 lakhs.
Women choose FIRSTmoney because it combines quick access to funds with flexible repayment and a fully digital borrowing experience. FIRSTmoney personal loan for women makes borrowing convenient and rewarding with features such as:
Once approved, the FIRSTmoney personal loan is disbursed within 10 minutes, helping you manage urgent financial needs quickly.
No need to take time out of your busy professional and personal life to visit the bank branch or do paperwork. Applicants can complete the entire loan journey online, from application to Video KYC.
FIRSTmoney’s zero foreclosure charges give borrowers the flexibility to repay the loan early without paying a penalty.
Get additional funds without starting the application from scratch with multiple on-demand loans on FIRSTmoney personal loan for women. Interest is applicable only on the amount you withdraw.
A women's personal loan does not require collateral. Since the loan is unsecured, approval depends on your income, credit profile, and repayment capacity instead of pledged assets.
FIRSTmoney repayment tenure ranges from 9 to 60 months. Choosing a suitable tenure can help keep monthly EMI obligations comfortable.
Eligible women borrowers can access a personal loan ranging from ₹50,000 to ₹15 lakh through FIRSTmoney instant loan for women.
With the FIRSTmoney personal loan, you can borrow as per the following terms:
| Loan amount | ₹50,000 to ₹15 lakhs |
| Repayment tenure | 9 to 60 months |
The final loan amount depends on your eligibility, income, repayment capacity, and credit profile.
Further here’s a monthly EMI estimate for different borrowing choices at 9.99% p.a. for a repayment tenure of 24 months:
| Loan amount | EMI obligation |
| ₹1 lakh | ₹4,614/month |
| ₹3 lakh | ₹13,842/month |
| ₹5 lakh | ₹23,070/ month |
The EMI shown above are for illustration. The actual loan terms depend on your eligibility and borrowing choices.
Apply via our Instant Personal Loan App for a hassle-free experience.
FIRSTmoney from IDFC FIRST Bank is designed to give women financial independence and peace of mind. Here’s why it stands out:
• Tailored for women’s diverse financial needs, travel, health, home, or even celebrations.
• Instant approvals and disbursals for time-sensitive requirements.
• 100% digital journey with Aadhaar-PAN verification, fast, simple, and secure.
• Interest rates starting from 9.99% p.a., keeping EMIs affordable.
• Zero foreclosure charges, empowering women to close loans early and save on interest.
• Access to additional funds whenever required through the mobile app.
• Backed by IDFC FIRST Bank’s trusted customer support and reliable digital platform.
A personal loan for women from IDFC FIRST Bank is versatile and can be used to meet multiple goals, such as:
• Fund advanced courses, certifications, or professional training.
• Invest in small businesses, startups, or entrepreneurial ventures.
• Manage weddings, anniversaries, or milestone events without stress.
• Explore new destinations or upgrade lifestyle needs conveniently.
• Redesign interiors, buy appliances, or undertake major repairs.
• Pay off short-term bills or high-interest liabilities with affordable EMIs.
• Cover maternity expenses, surgeries, or medical treatments.
Eligibility criteria for a FIRSTmoney women's personal loan include:
FIRSTmoney personal loan for women doesn’t require any document uploads. You just need your:
| Types of Fees | Applicable charges |
| Interest rate | Starting from 9.99% p.a. (equivalent to 0.83% p.m.) |
| Processing fees | 0% to 3.5% as applicable on the loan amount, including GST. Zero processing fee on select loan amounts. |
| Foreclosure charges | Zero foreclosure charges |
| Stamp duty | As per State's Stamp Act |
Select a loan amount and tenure that keeps your repayments comfortable. Here's a tentative calculation of EMI for various loan amounts at the lowest interest rate offered:
| Loan amount | Interest rate | Tenure | Approx. EMI |
| ₹1 lakh | 9.99% p.a. | 60 months | ₹2,124 |
| ₹2 lakhs | 9.99% p.a. | 60 months | ₹4,248 |
| ₹3 lakhs | 9.99% p.a. | 60 months | ₹6,373 |
| ₹4 lakhs | 9.99% p.a. | 60 months | ₹8,497 |
| ₹5 lakhs | 9.99% p.a. | 60 months | ₹10,621 |
| ₹6 lakhs | 9.99% p.a. | 60 months | ₹12,745 |
| ₹7 lakhs | 9.99% p.a. | 60 months | ₹14,869 |
These EMI values are indicative. Your final EMI amount depends on your actual rate of interest, loan amount, and tenure.
I chose the FIRSTmoney personal loan because of its easy access and smooth process. What truly impressed me was the repayment flexibility and zero foreclosure charges. The amount was credited within an hour, which was quicker than expected. It helped me meet my financial needs without stress. I would definitely recommend it to others.
Aparna Hota
The experience with FIRSTmoney personal loan was fantastic! I got the loan approved in just 10 minutes, and the amount was credited instantly. The interest rate offered was attractive and much lower than other options. It’s perfect for women looking for financial flexibility with a quick and hassle-free process. I highly recommend it to friends and family.
Sneha Akshay Ware
The FIRSTmoney Personal Loan exceeded my expectations. The paperless process took less than 10 minutes, and the amount was disbursed immediately. I found the interest rate reasonable and the entire journey transparent. It was more efficient than any traditional loan I’ve taken. A truly empowering financial tool for women like me!
Ujala Kumari
I opted for the FIRSTmoney Personal Loan because of the digital process and the benefit of zero foreclosure charges. The approval was fast, and I received the funds without delay. Everything from application to disbursement was efficient. It’s ideal for quick financial help. Would recommend it to others without a doubt.
Roshni Mohanraj
FIRSTmoney gave me exactly what I needed, fast access to funds with no hidden charges. The loan was approved within minutes, and the disbursal happened instantly. I loved the low interest rate and flexibility in repayments. It made borrowing simple and worry-free. I’ve already recommended it to two of my colleagues.
Meena Suresh
I was surprised by how fast the FIRSTmoney loan was processed. Within minutes, the approval came through and the amount was credited directly. What I appreciated most was the zero-foreclosure penalty, which gave me the flexibility to repay early. It’s a great financial support system for women professionals.
Anjali Prasad
The experience with IDFC FIRST Bank’s FIRSTmoney loan was outstanding. The entire process was digital, paperless, and very user-friendly. I received my loan instantly with no complications. I also liked that I could pre-close the loan without any additional fees. Definitely a smart choice for working women looking for instant funds.
Rituja Pandey
I chose FIRSTmoney because of its reputation for quick processing and it truly delivered. The loan was approved in 10 minutes and credited instantly. The interest rate was affordable, and I had the freedom to choose a convenient repayment plan. I’m very satisfied and will recommend it to other women in my circle.
Neha Jacob
Applying for the FIRSTmoney loan was one of my best financial decisions. The approval process was lightning-fast, and the zero-foreclosure feature is a big plus. I didn’t have to worry about extra charges while closing the loan early. I feel more financially confident now, thanks to this efficient and thoughtful product.
Priyanka Rathi
From application to disbursement, the FIRSTmoney loan journey was effortless. I was pleasantly surprised by the quick response and how everything was completed within minutes. No paperwork, no stress! I especially liked that the loan had flexible repayment options and affordable interest rates. A must-have for women managing personal expenses independently.
Divya Nayak
I appreciate how FIRSTmoney focuses on customers’ convenience. The loan process was digital and simple, and the disbursal was almost immediate. I opted for it because there were no foreclosure charges, and I could repay as per my convenience. It gave me the freedom to meet my financial goals without delay or pressure.
Gayatri Menon
I took the FIRSTmoney Personal Loan for an urgent personal need and was amazed by how quick the entire process was. The interest rate was reasonable, and I didn’t need to visit the branch even once. With zero foreclosure charges and complete transparency, it truly stands out from regular personal loan options.
Ishita Banerjee
Interest rate starts from 9.99% p.a., calculated on a reducing balance basis.
Processing fees 0% to 3.5% of loan amount (incl. GST) (0 processing fee is available on select loan amounts)
[View fees & charges]
Repayment period: 9–60 months
Applicants need to have a stable income source with a minimum salary of ₹10,000, and a CIBIL score of 710 or above for FIRSTmoney personal loan eligibility.
Along with interest, borrowers should review all applicable charges. FIRSTmoney ensures a transparent structure for better cost clarity.
The interest rate communicated to you will affect both EMI and total repayment. Fortunately, FIRSTmoney offers competitive rates starting from 9.99% p.a.
Comparing loan options based on rates, tenure, and charges helps in selecting suitable terms. FIRSTmoney provides clear details for the same.
Flexible tenure up to 60 months allows you to manage EMIs and maintain financial stability.
Check your monthly income and existing expenses to ensure you can comfortably manage EMIs without affecting basic needs.
Unfulfilled financial needs could affect your milestones in the long run. Avoid discretionary spending to keep your repayment manageable.
Repeated short-term loans can increase financial pressure and make it difficult to maintain the planned repayments.
A personal loan for women is a personal loan designed exclusively for women to support their personal or business needs. This collateral-free loan offers a hassle-free application process, minimal documentation, zero foreclosure charges, and a loan amount up to ₹15 lakh, empowering women to take charge of their financial goals with ease and confidence.
To apply for a personal loan for women through FIRSTmoney, customers can click on ‘Apply Now’, register using their mobile number, and check their loan eligibility by entering basic details. Later, they can choose their loan preferences like the loan amount and desired tenure. Once approved, the proceeds get disbursed within a few hours.
Women applicants should have a stable source of income to avail a personal loan for ladies. They must be between the age range of 21 to 60 years and have a CIBIL score of 710 or more. The loan is available to both salaried and self-employed women who meet the bank’s lending criteria.
A personal loan for ladies comes with flexible repayment tenure options, allowing them to repay the loan in comfortable EMIs. The exact tenure can vary depending on the applicant’s eligibility, but typically ranges between 9 months and 60 months, ensuring affordability without compromising on financial stability.
A personal loan for working women can be used for a variety of purposes, facing a medical emergency, planning a wedding, covering travel costs, or any other personal expense. Applying for a personal loan for women can offer the financial freedom to meet short-term goals without the need for collateral or lengthy approval processes.
Once the verification process completes and the loan amount is approved, the women’s personal loan is processed swiftly. Approval and disbursement can happen within a few hours, depending on the applicant's profile and documentation. The bank aims to offer a smooth and timely experience to eligible female borrowers.
Under the personal loan for women scheme, eligible women can avail a loan amount of up to ₹15 lakh. This amount has been thoughtfully structured to meet various financial needs while ensuring responsible borrowing. The bank ensures that the offering remains affordable and accessible to a wide segment of female applicants.
A housewife may apply if she has a regular income source through salary or self-employment.
Under the women’s personal loan scheme from IDFC FIRST Bank’s FIRSTmoney, female applicants can avail a minimum loan amount of ₹ 50,000 to a maximum amount of ₹15 lakh.
To improve your credit score, repay existing EMIs on time, reduce credit utilisation, and avoid multiple loan applications within short periods. Regularly check your credit report for errors and maintain a healthy credit mix. These steps increase loan eligibility and improve chances of a quick approval.
Eligible applicants can receive an amount up to ₹15 lakh under the women’s personal loan scheme. The offering is structured to provide swift, low-risk credit access to women while supporting personal, entrepreneurial, or emergency needs.
IDFC FIRST Bank’s personal loans for women are known for offering one of the lowest personal loan interest rates in the industry. starting at just 9.99% per annum. Apart from the competitive interest rates, the bank also offers access to industry-leading digital services such as instant loan approvals and a completely online paperless loan process.
No guarantor is required for a personal loan for women. It is a collateral-free loan designed for independent access. However, applicants must meet basic eligibility criteria like age, income proof, and creditworthiness to qualify without a co-signer.
A minimum credit score of 710 is generally required for women to qualify for a personal loan with FIRSTmoney. A stronger credit profile improves eligibility, ensures smoother approval, and may unlock better loan terms.
Yes. Housewives who are self-employed may apply for a personal loan. Approval depends on eligibility factors such as income stability, repayment capacity, and credit profile.
You can apply for a FIRSTmoney personal loan with a minimum salary of ₹10,000, subject to meeting other eligibility requirements.
Eligible self-employed housewives can complete the FIRSTmoney application without uploading traditional income documents, subject to the bank's verification process.
Once your loan application is approved, FIRSTmoney funds are disbursed within 10 minutes.
Yes, there is no restriction on end-use for a personal loan. You can use it to cover a range of expenses under the same loan amount.
Yes, you can close your loan early and go debt-free sooner, as FIRSTmoney instant loan for women comes with zero foreclosure charges.
Yes, applying for a women's personal loan will affect your credit score, but typically only by a few points. When you apply for a loan, the lender conducts a "hard inquiry", which can temporarily drop your score by a few points. However, making EMI payments on time can strengthen your credit history over time and improve your credit profile.
You can complete the application online swiftly and receive funds within 10 minutes with a FIRSTmoney personal loan.
Apply for a Personal Loan online in select major cities and get quick access to the funds you need. Enjoy a seamless digital process from application to approval, with minimal documentation. Get the loan amount credited to your account effortlessly and meet your financial needs with ease.
Whether it’s a solo trip, a family holiday, or a much-needed break, travel is an experience worth cherishing. With FIRSTmoney’s travel personal loan, women can finance flights, accommodation, and leisure activities without depleting savings. The digital-first process ensures quick approval and instant disbursal, making it convenient for working professionals, homemakers, or entrepreneurs planning their next journey.
Healthcare costs can arise unexpectedly, from maternity care and surgery to specialised treatments. FIRSTmoney’s medical loan provides instant access to funds, ensuring women can prioritise their health and that of their families without financial stress. The 100% digital process, quick approvals, and flexible repayment tenures make it a dependable choice during medical emergencies or planned healthcare expenses.
Women often juggle multiple responsibilities, and sudden financial requirements, like urgent repairs, childcare costs, or unexpected bills, can be overwhelming. With FIRSTmoney’s emergency personal loan, funds are available quickly through a seamless online application. Flexible repayment plans and zero foreclosure charges ensure women can handle short-term crises without compromising long-term financial goals.
Planning a wedding often brings with it heavy expenses, especially for women managing events or their own ceremonies. FIRSTmoney’s wedding personal loan provides the financial support to cover venues, décor, attire, or travel costs for weddings. With fast approvals, customisable tenures (9–60 months), and no foreclosure penalties, it allows women to enjoy celebrations without undue financial pressure.
Creating a comfortable and modern home is a priority for many women. Whether it’s redesigning interiors, adding new furniture, or upgrading essential fittings, FIRSTmoney’s home renovation loan enables quick access to funds. With minimal documentation, flexible EMIs, and zero foreclosure charges, women can enhance their living spaces while keeping finances under control.
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Reference:
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/debt-consolidation-loan
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/fees-and-charges
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan
https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/personal-loan-in-mumbai