IDFC First Bank Personal Loan: Interest Rates, Documents, and Application Process
Apply for IDFC First Bank Personal Loan with interest rates starting at 10.99% per annum. Check eligibility, documents, and application process. Are you an existing IDFC First Bank customer looking for a personal loan? Look no further! IDFC First Bank offers personal loans ranging from ₹5,000 to ₹10 lakhs with competitive interest rates starting at 10.99% per annum.
Why Choose IDFC First Bank Personal Loan?
- Competitive interest rates starting at 10.99% per annum
- Flexible loan amounts up to ₹10 lakhs
- Quick and convenient online application process
- Minimal paperwork
- Fast disbursement
Eligibility Criteria
Salaried Individuals
- Minimum age: 23 years
- Maximum age: 60 years at loan maturity
- 2+ years of work experience
- Good credit score
Self-Employed Individuals
- Minimum age: 25 years
- Maximum age: 60 years at loan maturity
- Business operational for 3+ years
- Good credit score
Required Documents
- Aadhaar Card
- PAN Card
- Proof of Address (Utility Bill)
- Bank Statement (Last 3 Months)
- Salary Slips (Last 3 Months)
- Form 16, Passport, Voter ID, or Driving License
Application Process
1. Visit the IDFC First Bank website.
2. Click on "Loans" and select "Apply for Personal Loan."
3. Fill in required details and upload documents.
4. Pay the processing fee.
5. Loan amount credited to your account within 15 days.
Interest Rates and Fees
- Interest Rate: 10.99% - 24% per annum
- Processing Fee: Up to 2% of loan amount
- Prepayment Charges: 2% - 4% of outstanding amount
Benefits
- Flexible loan tenure (12 - 60 months)
- No collateral or security required
- Quick approval and disbursement
- Convenient online application
Bank website : Click Here
IDFC First Bank's personal loan offers a convenient and affordable solution for various financial needs. With competitive interest rates, minimal paperwork, and a quick online application process, it's an ideal choice for existing customers.
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