IDFC First Bank built its retail business around transparent pricing and customer service. Existing savings-account customers get faster approvals and better rates.
Indicative IDFC First Bank interest rates (August 2026)
| Loan Type | Indicative Rate (onwards) |
|---|---|
| Home Loan | ~8.85% p.a. |
| Personal Loan | ~10.99% p.a. |
| Car Loan | ~9.25% p.a. |
| Education Loan | ~9.6% p.a. |
| Gold Loan | ~9.0% p.a. |
| Business Loan | ~12.9% p.a. |
| LAP Loan | ~10.4% p.a. |
Eligibility (typical)
Salaried: 21–60, CIBIL 750+. Self-employed: ITR + vintage. Existing customers get preferential rates.
Application process
Apply on the IDFC First app/website → documents + video KYC → verification + sanction → disbursal.
Tips before you apply
Open a savings account 3–6 months before applying for a personal loan to unlock pre-approved offers. Compare all-in cost (rate + fees) — IDFC First is often competitive on fees.
Frequently Asked Questions
A> Personal loans up to ₹25–30 lakh (indicative), with pre-approved offers to savings-account customers.
A> Home loans are a core product with transparent pricing and digital tracking — a strong, competitive option.
A> Mostly — quick gold loan disbursal against jewellery valuation.
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