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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Savings Account:Earn up to 7.25% p.a. interest on your Savings Account

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Personal Banking

Manage your finance at one place

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Get a Personal Loan
up to ₹10 Lakhs

Apply digitally with just PAN & Aadhaar

Instant loan approval & disbursal in 30 mins
0 Foreclosure charges
Access multiple loans, anytime, anywhere

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Personal Loan EMI

Loan amount

₹1L ₹10L

Loan term in months

Repay anytime with 0 Foreclosure charges!

9m 60m

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

FIRSTmoney: Smart Personal Loan

FIRSTmoney Smart Personal Loan has been designed for individuals with a credit score of 730 and above, it provides instant personal loans of up to ₹10 lakh with competitive interest rates and zero foreclosure charges to close your loan anytime. The flexibility to choose your tenure, EMI repayment date, and access to on-demand loans based on your needs, ensures that your borrowing experience is convenient and stress-free. View personal loan interest rates
*Illustrative purposes only. Loan disbursal at sole discretion of IDFC FIRST Bank Ltd. Terms & Conditions Apply

FIRST Money Smart Personal Loan Benefits

Eligibility and Documentation

Check your Personal Loan eligibility

To be eligible for an online personal loan, you should be:

Salaried or Self-Employed
Between 21 - 60 years
Have a CIBIL Score of 730 and above

CIBIL Score (300-900) reflects your credit history; higher scores improve loan approval chances.

Documents required for a Personal Loan

Here are the documents required for VKYC

A valid Aadhaar Card number
Physical PAN Card at the time of Video KYC.

How to Apply for Personal Loan - Step-by-Step Guide

Step 1: Click ‘Apply Now’

Step 2: Register with your mobile number

Step 3: Confirm basic details to check eligibility

Step 4: Choose loan preferences and link bank account

Step 5: Once verified, get the loan amount in 24 hours

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Know Your Personal Loan Fees & Charges

Enjoy pocket-friendly interest rates with no hidden charges

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Our App Ratings

1.12 million+

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Interest Rates & Charges for Personal Loan

Interest Rates & Charges for Personal Loan

Starting from 9.99%
per annum

Interest Rate

2% of the total loan amount
(incl. GST)

Processing Fee

From 9 - 60 months

Loan Tenure

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FAQs

What are Portfolio management services?

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How do PMS work?

Who can benefit from PMS?

Why opt-in for a smart instant personal loan?

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Can I get a loan instantly without documents

How long will it take for the amount to be credited to my bank account

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Personal Loans Explained

Choose your FIRSTmoney smart personal loan amount

Types of Personal Loans

Avail low interest Personal Loans in your city

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.

Apply for a personal loan online with FIRSTmoney based on your salary

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