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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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Get a Credit Card
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account Now
Enjoy Instant Personal Loan Up To ₹10 Lakhs
Get low interest personal loan starting at 9.99% p.a
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Personal Loan EMI Calculator
Loan amount
₹100K
₹10L
Loan term in months
Repay anytime with 0 Foreclosure charges!
9 Months
60 Months
Choose the Interest Rate
Lowest interest rate unlocked!
%
9.99%
38 %
Your EMI will be
₹5,072/month*
Total Interest Payable
₹43,435
Total Amount Payable
₹2,43,435
Check your eligibility
*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Pre-Approved Personal Loan –Get Instant Funds in as low as 30 minutes
A pre-approved personal loan is a quick, hassle-free way to access funds. In contrast to regular personal loans that require lengthy documentation and approval processes, a pre-approved loan ensures faster processing and minimal formalities. Thus, allowing you to access funds instantly when needed. Whether it's for an emergency expense, a planned purchase, or consolidating debt, a pre-approved instant loan offers flexibility and convenience.
With a pre-approved personal loan from IDFC FIRST Bank, you can unlock instant financial flexibility tailored to your needs. With competitive interest rates, zero foreclosure charge, and a fully digital application process, personal loans from IDFC FIRST Bank makes borrowing effortless and efficient.
What is a Pre-Approved Personal Loan?
A pre-approved personal loan is a fast-track borrowing option where the lender pre-qualifies you based on your creditworthiness, income stability, and banking relationship. Unlike traditional loans, there’s no lengthy approval process and your offer is ready before you even apply.
Why Choose IDFC FIRST Bank for Your Pre-Approved Loan?
A pre-approved personal loan without documents offers several advantages over traditional personal loans, making it an attractive option for borrowers seeking quick and easy financing. Here’s why pre-approved loan stands out:
Quick access to funds
Get approved in no time and access up to ₹10 lakhs with a fully digital process.
Minimal documentation
The entire process is digital, involving a quick display of your PAN card during the video KYC verification process.
Competitive interest rates
With IDFC FIRST Bank, the pre-approved personal loan interest rate is customised based on your credit profile, starting at just 9.99% per annum.
Flexible loan amounts
Borrow only what you need, when you need it, and avail multiple loans from your pre-qualified loan offer instantly.
Zero foreclosure charges
Pay off your loan early without penalties, saving you money.
Multiple on-demand loans
Access additional funds anytime with a few clicks—no need to reapply.
Tailored to you
A sanctioned limit based on your credit score (710+) and income, ensuring you get what you deserve.
Seamless digital experience
Apply, withdraw, and manage your loan from your phone, wherever you are.
Pre-Approved Personal Loan Eligibility and Documentation
Eligibility criteria for Pre-Approved Personal Loan:
To qualify for pre-approved personal loan offers, customers need to meet the following eligibility criteria:
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Required Documentation for Personal Loan
Digital loans from IDFC FIRST Bank simplifies the documentation process. All you need is:
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Benefits of a Pre-Approved Personal Loan
Unlike traditional loans that demand multiple proofs and a ton of paperwork, pre-approved personal loan ensures a smooth and quick approval process.
Speed
Funds disbursed in minutes, not days.
Convenience
No documentation and a 100% online process.
Control
Flexible repayments and no pressure to use the full amount.
Savings
Low rates and zero foreclosure fees keep costs down.
Our App Ratings
1.74 million+
Happy users
4.9
Play Store
4.8
App Store
How to Apply for a Pre-Approved Personal Loan Online
Step 1 – Click on ‘Apply Now’.
Step 2 – Register using your basic details.
Step 3 – Choose your loan preferences including the loan amount and EMI plan.
Step 4 – Link your bank account where you want to receive the funds.
Step 5 – Complete the video KYC process by showing your PAN card.
Interest Rates and Fees for Pre-Approved Personal Loans
Low Interest Rate
Starting from 9.99% p.a.
Know more about personal loan interest rates.
Processing Fee
Processing fee starts @1.5%
[View fees & charges]
Flexible Loan Tenure
Repay your loan with flexible tenures ranging from 9 to 60 months.
Frequently Asked Questions
What is PAPL (Pre-Approved Personal Loan)?
A Pre-Approved Personal Loan (PAPL) is a loan offer extended to eligible customers based on their credit profile, banking relationship, and repayment history. IDFC FIRST Bank’s FIRSTmoney provides 100% digital personal loans with no documentation and instant disbursals within 30 minutes, ensuring quick access to funds without the hassle of lengthy application processes.
How much time does it take for pre-approved loan approval and disbursal?
With FIRSTmoney, the approval process for a personal loan is instant. Once the applicant completes the digital verification, including Video KYC, the loan is disbursed within 30 minutes, depending on the verification process.
Does pre-approval guarantee a personal loan?
No, pre-approval does not guarantee loan disbursal. The final loan approval depends on factors such as income verification, credit score, and compliance with IDFC FIRST Bank’s internal policies.
Can a pre-approved loan be rejected?
Yes, a pre-approved loan may be rejected if there is a drop in the applicant’s credit score, discrepancies in the provided information, or changes in financial status that impact loan eligibility.
How does the pre-approval process work for personal loans?
IDFC FIRST Bank evaluates a customer’s banking history, creditworthiness, and repayment behaviour to approve a personal loan. Customers can then apply online, furnish the document (PAN card during video KYC) and receive instant disbursal upon final approval.
What is the maximum loan amount with FIRSTmoney?
You can access up to ₹10 lakhs, depending on your credit profile. You can have multiple on demand loans of different amounts 5 lakh personal loan, 4 lakh personal loan, 2 lakh personal loan & etc as per your eligibility and approved loan offer.
Are there any hidden charges?
No, FIRSTmoney offers transparent pricing with no maintenance or foreclosure fees.
How fast can I get the funds?
Once approved, funds are available instantly within 30 minutes after KYC verification.
How do I know if I'll be approved for a personal loan?
Approval depends on factors like credit score, income stability, repayment history, and existing financial obligations. IDFC FIRST Bank evaluates these parameters digitally through FIRSTmoney to determine eligibility. A strong CIBIL score and a low FOIR (Fixed Obligation to Income Ratio) significantly improve your chances of a personal loan.
Who is eligible for a pre-approved personal loan?
Pre-approved personal loans are typically offered to customers with a strong credit history, stable income, and consistent repayment behaviour. IDFC FIRST Bank may extend pre-approved offers through FIRSTmoney to eligible customers based on internal assessment and existing banking relationships.
How to get pre-approval for a personal loan?
Pre-approval is usually extended proactively by lenders to eligible customers. Maintaining a good credit score, stable income, and low existing debt improves your chances. IDFC FIRST Bank may offer pre-approved FIRSTmoney personal loans to customers who meet the bank’s internal credit and profile criteria.
Choose your personal loan amount with FIRSTmoney
What can you do with a FIRSTmoney Personal Loan?
Wedding loan
Big moments deserve beautiful memories. With a FIRSTmoney personal loan for wedding, you can plan your perfect day down to the last detail. From destination to decor, we help you say ‘I do’ without stressing about the dues. Apply online and make it magical, effortlessly.
Travel loans
Your passport’s ready! So why not your budget? A FIRSTmoney personal loan for travel can help you take care of tickets, stays, activities, and more. Whether it’s a quick escape or a bucket-list trip, enjoy instant funds with minimal paperwork. With flexible tenures and zero collateral, all that’s left to do is pack your bags.
Education loans
Bridge the gap between ambition and opportunity. A FIRSTmoney personal loan for education supports students and professionals alike with tuition, living expenses, or upskilling costs. With quick disbursal and repayment options that match your goals, your journey to success starts right here.
Home renovation loans
Refresh your living space the easy way. A FIRSTmoney personal loan for home renovation helps you upgrade interiors, fix essential repairs, or modernise your home without financial disruption. Easy eligibility, fast approval, and complete control over how you reimagine your space.
Personal Loan Tips & Insights: Your Guide to Smarter Borrowing
Why banks may reject personal loan applications even for a high income profile?
03 Jan 2026 | 5 mins read
Credit card EMI vs personal loan EMI in India: Which is a smarter option for debt management?
03 Jan 2026 | 5 mins read
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