IDFC FIRST Bank
Always You First
Headquarters: Mumbai, Maharashtra
Official Bank WebsiteOfficial Published Interest Rates (2026)
Direct benchmark & card rates verified from IDFC FIRST's official circulars
| Credit / Deposit Product | Starting Rate | Effective Range | Lending Benchmark | Calculator |
|---|---|---|---|---|
| IDFC FIRST Home Loan | 8.85% p.a. | 8.85% – 10.50% | IDFC FIRST Benchmark | Calculate EMI→ |
| IDFC FIRST Personal Loan | 10.75% p.a. | 10.75% – 23.99% | Card Rate | Calculate EMI→ |
| IDFC FIRST New Car Loan | 8.85% p.a. | 8.85% – 12.00% | Card Rate | Calculate EMI→ |
| IDFC FIRST Pre-Owned Car Loan | 11.75% p.a. | 11.75% – 15.50% | Card Rate | Calculate EMI→ |
| IDFC FIRST Fixed Deposit (3 Years) | 7.25% p.a. | 7.00% – 7.75% | Card Rate | Calculate EMI→ |
| IDFC FIRST Recurring Deposit (3 Years) | 7.25% p.a. | 7.25% – 7.75% | Card Rate | Calculate EMI→ |
IDFC FIRST Official Rate Calculators
Simulate monthly EMIs and deposit maturity values pre-filled with verified IDFC FIRST rates
IDFC FIRST Bank Home Loan EMI Calculator
Calculate your monthly instalments and repayment schedules on an IDFC FIRST Bank home loan.
IDFC FIRST Bank Personal Loan EMI Calculator
Estimate monthly EMIs on IDFC FIRST Bank personal loans with digital paperless approval starting from 10.75% p.a.
IDFC FIRST Car Loan EMI Calculator
Calculate monthly EMIs for buying a new car with IDFC FIRST Bank auto financing starting at 8.85% p.a.
IDFC FIRST Used Car Loan EMI Calculator
Calculate monthly instalments on second-hand passenger car financing through IDFC FIRST Bank starting at 11.75% p.a.
IDFC FIRST Bank FD Calculator
Calculate your fixed deposit interest returns with IDFC FIRST Bank using official published interest rates.
IDFC FIRST Bank RD Calculator
Calculate your monthly deposit returns with IDFC FIRST Bank Recurring Deposits.
Rate Sourcing & Regulatory Disclosures
Direct official circular citations and borrower qualification rules for IDFC FIRST Bank
8.85% p.a.
8.85% – 10.50% p.a.
floating RateIDFC FIRST Benchmark
Applicable Conditions & Eligibility Factors:
- Transparent benchmark rates with zero hidden charges
- Digital doorstep assistance
Source: IDFC FIRST Home Loan Scheme
Rates subject to borrower risk-grade & RBI regulatory changes.10.75% p.a.
10.75% – 23.99% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Paperless digital sanction
- Flexible repayment tenures up to 60 months
Source: IDFC FIRST Personal Loan Interest Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.85% p.a.
8.85% – 12.00% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Up to 100% on-road funding for select profiles
- Tenure up to 7 years
Source: IDFC FIRST Car Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.11.75% p.a.
11.75% – 15.50% p.a.
fixed RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Finances up to 85% of valuation
- Up to 5 years tenure
Source: IDFC FIRST Pre-Owned Car Loan Schedule
Rates subject to borrower risk-grade & RBI regulatory changes.7.25% p.a.
7.00% – 7.75% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.75% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding applied to domestic retail deposits
- Senior citizen 50 bps extra
Source: IDFC FIRST Term Deposit Schedule
Rates subject to borrower risk-grade & RBI regulatory changes.7.25% p.a.
7.25% – 7.75% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.75% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding on monthly instalments
- Auto-debit from IDFC FIRST account
Source: IDFC FIRST RD Rates Portal
Rates subject to borrower risk-grade & RBI regulatory changes.About IDFC FIRST Bank
IDFC FIRST Bank is an innovative new-age private bank recognized for customer-first policies, monthly savings interest credits, and digital retail loans.
Frequently Asked Questions: IDFC FIRST
- Where to verify IDFC FIRST Bank rates?
- Visit idfcfirstbank.com under 'Interest Rates'.