Accounts
Deposits
Loans
Wealth & Insure
Payments
Cards

Select language

Popular searches

Product Hom e Loan

Products & Services (12)

Apply Now Product Hom e Loan
Apply Now Product Loan Agaisnt Property - Hom e Loan
Apply Now Product Balance Transfer - Hom e Loan
Apply Now Product Hom e Loan EMI Calculator

Recent searches

Download Form Hom e Loan Application Form
Download Product Loan Agaisnt Property - Hom e Loan
Download Article Benefits of Balance Transfer

Notifications

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

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam.

Zero foreclosure charges

Say goodbye to foreclosure charges and repay your outstanding loan whenever you want without worrying about additional fees.

Flexible repayment options

Take advantage of customised personal loan repayment options. Choose from flexible tenures to suit your financial needs.

Swift disbursals

Enjoy quick and paperless instant personal loan application process, that disburses loan amounts directly to your bank account.

Personal loan amount flexibility

Get an instant loan up to ₹10 lakh based on your eligibility and financial requirements. Obtain more loans, on-demand in just a few clicks, when needed.

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

Our App Ratings

1.12 million+

Happy users

4.9

Play Store

4.8

App Store

Testimonials

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra. Id ac nibh phasellus diam dui vel risus justo. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra. Id ac nibh phasellus diam dui vel risus justo. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra. Id ac nibh phasellus diam dui vel risus justo. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra. Id ac nibh phasellus diam dui vel risus justo. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

Lorem ipsum dolor sit amet consectetur. Sed proin pellentesque odio adipiscing fames. Sodales mauris tincidunt id quam et integer quis. Egestas eleifend nisl elementum pharetra.

Jane Doe

April 2015

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

FAQs

What are Portfolio management services?

Lorem ipsum dolor sit amet consectetur, adipisicing elit. Magnam fugiat provident enim corporis! Ullam, facilis deserunt nobis rerum voluptates, sunt dolore, laboriosam deleniti inventore labore maiores quaerat dolorem. Iste, inventore.

How do PMS work?

Who can benefit from PMS?

Why opt-in for a smart instant personal loan?

Lorem ipsum dolor sit amet consectetur adipisicing elit. In commodi aperiam molestiae cumque! Corporis quo quidem alias inventore ratione tempora deleniti quisquam quis unde, hic maxime. Quasi iusto recusandae voluptas.

Can I get a loan instantly without documents

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

Personal Loans Explained

Direct Tax payment Direct Tax payment Direct Tax payment Direct Tax payment
3rd jan,2024
GST Tax payment
3rd jan,2024
Direct Tax payment
3rd jan,2024
GST Tax payment
3rd jan,2024

Types of Personal Loans

Travel Loan

Unlock premium travel experiences with FIRSTmoney personal loan, a seamless digital loan, designed for elite travellers like you.

Know More

Emergency Loan

Stay financially secure in emergency situations with FIRSTmoney personal loan, a smart personal loan that preserves your savings for long-term goals.

Know More

Wedding Loan

Turn your wedding dreams into reality with FIRSTmoney, a smart personal loan that keeps your finances stable as you begin a new chapter.

Know More

Medical Loan

Get the financial flexibility you need during medical emergencies with a FIRSTmoney personal loan, ensuring access to the best care for you or your loved ones.

Know More

Home Improvement Loan

Renovate your home with ease with FIRSTmoney, a personal loan, that gives you the flexibility to manage and plan your expenses.

Know More

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.

Mumbai

Bangalore

Delhi

Mumbai

Delhi

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

Personal loan for
₹30,000 salary

Personal loan for
₹35,000 salary

Personal loan for
₹40,000 salary

Personal loan for
₹45,000 salary

Personal loan for
₹50,000 salary