• The processing fee waiver is a limited-period offer for FIRSTmoney Smart Personal Loan customers. The program: Get up to 50% off on processing fees on FIRSTmoney-Smart Personal Loan by IDFC FIRST Bank is applicable only for customers who have successfully completed the loan application and received the loan amount by 30^th April, 2025

• The waiver amount applicable is up to INR 1000 or 50% of processing fee applicable, whichever is lower and will be refunded to the customer post timely payment of their 1st EMI.

• The Loan approval is subject to eligibility and verification as per Bank policy and approval criteria. IDFC FIRST Bank has the sole right to reject the customer as per the internal credit policy norms & approval criteria.

• The application form will show the applicable processing fee including GST. The fee waiver will be credited back to the concerned customer’s bank account on which the mandate/autopay is setup.

• The processing fee waiver will be credited back within 60 days from the date of FIRSTmoney disbursal.

• The customer must hold a clean record and make all repayments on time. In case the customer is found delinquent or in DPD any time before crediting the Processing fee waiver, the bank reserves the right to hold back the waiver.

• The processing fee is currently charged at 1.69% of the loan amount excluding GST. For the purpose of calculation, GST will not be included.

• Please refer to the below example for the Processing fee waiver calculation:

• The processing fee waiver is a limited-period offer. To be eligible, applicants must have completed the loan application on or before 30^th April, 2025, with the loan amount successfully disbursed to their account before that date. Offer valid only for users who have applied through the offer URL on select channels.

• IDFC FIRST Bank reserves the right to add, alter, modify, change, or vary all or any of these terms and conditions or to replace wholly or in part, the above offer with another offer, or like the above offer or not, or to withdraw it altogether.

• The processing fee waiver is applicable only for FIRSTmoney Smart Personal Loan product and will not be applicable in the event of opting for any other products from IDFC FIRST Bank.

• Participation in the program is voluntary. Any user participating in the program shall be deemed to have read, understood and accepted these terms and conditions.

• The above terms and conditions shall be in addition to and not in derogation of any other applicable terms & conditions of FIRSTmoney or others as may be specified by the Bank.

• This offer is applicable for onboarding loans and not subsequent drawdowns