Lifetime FREE Credit Card with 10X rewards
Most Searched
Top Products
Popular Searches
Bank Accounts
Populer FAQs
Signature is important and it is required to avail various products and services. To upload your signature
1. Go to More
2. Select Customer Service Dashboard
3. Select ‘Savings/Current Accounts’
4. Select ‘Upload Signature’ to upload your signature.
That's easy! Follow these steps to track your service requests:
1. From the home page of the app, tap on "Customer Service" section
2. Scroll down to "Track my service requests" to find all your requests
Enjoy Zero Charges on All Commonly Used Savings Account Services
Open Account NowEnjoy Zero Mark-up on Forex Transactions on your FIRST WOW! Credit Card
Apply NowToday, everything is available online - from grocery and food to electronics and furniture. Even financial products like personal loans can be availed over the internet.
You can apply for an IDFC FIRST Bank personal loan in just four simple steps.
As you can see, the process is almost entirely online. This makes a Personal Loan convenient. However, to ensure that your loan application and approval is smooth, you need to ensure a few things:
Check your credit score
Your Credit Score is an important factor that can affect the chances of your loan being approved. If your credit score is low, lenders may reject your application or the personal loan interest rate levied may be high. Hence, it is advised to check your credit score before you apply for an instant personal loan.
Check your debt-to-income ratio
Lenders check your debt-to-income ratio to assess if you would be able to repay the loan. It can be calculated by dividing your total monthly outgo by your gross monthly income. The monthly outgo includes your rent, loan payments, credit card bills and other dues, except utilities and household expenses and taxes. The lower your DTI, the less risky you seem to lenders.
Get a co-signer
If your credit score is not up-to-the-mark or your DTI ratio is high, get someone to vouch for your trustworthiness. You can do this by getting a co-signer for the loan. You can choose a family member or a friend with a good CIBIL score. This can help in getting the loan approved.
Compare and choose a lender
The eligibility criteria for a personal loan of every lender is different. Compare the eligibility criteria and choose one that meets yours.
Keep the required documents at hand
Ensure that all your documents are ready for verification before you apply for the loan. Some commonly asked for documents include -
Keeping these documents at hand can help get the online personal loan approved in just a few clicks. Visit our website or download IDFC FIRST Bank Mobile Banking app to apply now.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.