IDFC First Personal Loan Interest Rate 800 Plus US
Live IDFC First Bank Personal Loan analytics — intent: interest-rate
Live EMI Engine · IDFC First Bank · Personal Loan
₹500,000
9.10%
4 yr
Monthly EMI
₹12,466
Total Interest
₹98,381
Total Payable
₹598,381
Prepayment Saver
Add an extra monthly contribution to slash interest.
Extra / month
₹0
0 mo earlier payoff
₹0 interest saved
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | ₹12,466 | ₹3,792 | ₹8,675 | ₹491,325 |
| 2 | ₹12,466 | ₹3,726 | ₹8,740 | ₹482,585 |
| 3 | ₹12,466 | ₹3,660 | ₹8,807 | ₹473,778 |
| 4 | ₹12,466 | ₹3,593 | ₹8,873 | ₹464,905 |
| 5 | ₹12,466 | ₹3,526 | ₹8,941 | ₹455,964 |
| 6 | ₹12,466 | ₹3,458 | ₹9,009 | ₹446,956 |
| 7 | ₹12,466 | ₹3,389 | ₹9,077 | ₹437,879 |
| 8 | ₹12,466 | ₹3,321 | ₹9,146 | ₹428,733 |
| 9 | ₹12,466 | ₹3,251 | ₹9,215 | ₹419,518 |
| 10 | ₹12,466 | ₹3,181 | ₹9,285 | ₹410,233 |
| 11 | ₹12,466 | ₹3,111 | ₹9,355 | ₹400,878 |
| 12 | ₹12,466 | ₹3,040 | ₹9,426 | ₹391,451 |
Safety, fees & legality matrix — IDFC First Bank
Structured verification snapshot for borrower due-diligence.
| Regulator | RBI |
|---|---|
| Shariah-compliant | No |
| Processing fee | 0.50–1.50% |
| Prepayment penalty | 1.00–3.00% |
| Max tenure | 30 years |
| Deposit insurance | DICGC up to ₹5L |
| Digital approval time | 48 hours |
Canonical variant: /loans/idfc-first-personal-loan-interest-rate