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IDFC FIRST Bank Personal Loan Interest Rate November 2026

Updated 2 November 2026Rates from official bank websitesHow we check rates

IDFC FIRST Bank advertises personal loan rates starting from 9.99% per annum. For ₹5 lakh over 3 years that is an EMI of about ₹16,131 a month.

Starting rate9.99%per annum
EMI per month₹16,131₹5 lakh, 3 years
Total interest₹80,725over the full term
Max tenuren/aas stated by the bank

IDFC FIRST personal loan rates and charges

Starting interest rate9.99% per annum
Applies toAdvertised starting rate
Processing feeNot stated on the page we checked
PrepaymentNot stated on the page we checked
Maximum tenureNot stated on the page we checked

Source: IDFC FIRST Bank official page, checked 2 November 2026.

These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.

IDFC FIRST personal loan EMI calculator

Prepayment options (optional): pay extra to finish sooner

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Compare IDFC FIRST Bank with other banks

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Frequently asked questions

What is the IDFC FIRST Bank personal loan interest rate?

IDFC FIRST Bank's website advertises personal loan rates starting from 9.99% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹5 lakh personal loan from IDFC FIRST Bank?

At the starting rate of 9.99% over 3 years the EMI is about ₹16,131 a month, with total interest of about ₹80,725. A higher personal rate would raise this.

What is the processing fee for a IDFC FIRST Bank personal loan?

The IDFC FIRST Bank page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.

Does IDFC FIRST Bank charge prepayment charges on a personal loan?

The page we checked did not state prepayment terms. Please confirm with the bank.

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