IDFC First Bank Personal Loan — 10.75% Interest, Up to ₹1 Crore

IDFC First Bank offers personal loans at 10.75% to 24% per annum. Your actual rate depends on your CIBIL score, salary, and loan amount. To find out your exact eligible rate from IDFC First Bank and compare it with other lenders, check your pre-approved offers on GoCredit — it takes 60 seconds and doesn't affect your CIBIL.

IDFC First Bank typically requires a CIBIL score of 700+. If your score is lower, GoCredit's AI Loan Agent can match you with other lenders that accept your current profile — no need to apply and get rejected. Check your eligibility across all lenders on GoCredit first.

The fastest way to apply is through GoCredit's AI Loan Agent. It checks your eligibility for IDFC First Bank along with 100+ other lenders, shows you pre-approved offers, and auto-applies to the best matches — all in under 2 minutes. You get the best rate without filling multiple forms.

IDFC First Bank typically disburses in Same day for pre-approved, 2-3 days otherwise after approval. Applying through GoCredit can speed this up — the AI pre-fills your information and sends a complete application, reducing back-and-forth with the lender.

IDFC First Bank starts at 10.75%, but your actual rate depends on your profile. Another lender might offer a lower rate for your specific salary and CIBIL combination. GoCredit's AI Loan Agent compares IDFC First Bank with 100+ lenders to find the absolute cheapest option for you — often saving ₹2,000-15,000 per year in interest.

Yes, IDFC First Bank accepts self-employed applicants (ITR + business proof required). Also open to salaried and government employees. Age: 21-60 years. Minimum income: ₹25,000/month. Not sure if you qualify? GoCredit's AI checks your eligibility in seconds without impacting your credit score.