General information


Personal information

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Appointment Date & Time

Current Address Details

Is current address same as permanent address

Permanent Address Details

Terms & conditions *

Company Information

Office Address

  • Yes
  • No



KYC Documents:-
  • PAN Card
  • Aadhar Card
  • Residence proof
Job Continuity Proof Anyone from the following:-
  • Current Job Appointment letter (if it is less then 1 year)
  • Experience Certificate (including your previous job certificate or appointment and relieving letter)
  • Latest passport size photo
Income Proof:-
  • Last 2 months salary slip
  • FORM-16 (Last 2 years)
  • Last 6 months bank statement where the salary has been credited
  • Last 12 month personal loan statement (In case of balance transfer)

Terms & Conditions

  1. Stamp duty at actual as per applicable law.
  2. Interest rate of sub. (subject to change as per terms and conditions /agreement) as per lender (monthly reducing)
  3. Processing charge of the borrower will be according to the lender.
  4. Govt. tax and levy as per applicable government laws would be charge on all fees and charges.
  5. Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of the bank for the dishonor)  As per lender
  6. Default interest / late payment charge: as per lender
  7. Legal repossession and incidental charges: At actual
  8. Duplicate amortization/ repayment schedule: as per lender
  9. Cheque /Si/ESI swapping charges: As per lender
  10. Details of security  As per lender
  11. Taxes at actual, applicable presently or in future.
  12. Date on which annual outstanding balance statement will be issued:31st may
  13. Loan cancellation charges:  As per lender Interest would be charged for the interim period between the date of disbursement and date of loan cancellation
  14. Gap interest will be recovered from disbursement amount where the number of the days between account credit date (i.e. of the disbursement amount ) and first EMI date is more that 30/31 days

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Get IDFC Bank Personal Loan at Special Rates and Terms at Real Finserv

Being an unsecured loan type, a personal loan serves many useful purposes for the borrower. The borrower enjoys the liberty of using personal loan money for purposes like marriage, medical expenses, travel, home renovation, etc. A personal loan is a type of unsecured loan which is offered by banks at attractive terms and conditions to their customers. Similarly, IDFC Bank has brought personal loans for its customers at a special rate of interest and other terms so that its customers can easily meet their financial emergencies. 

IDFC Bank Personal Loan

IDFC Bank offers personal loans to its customers so that they can cover their emergency expenses. It offers its multi-purpose loan to its customers at attractive rates and terms. The customers get loan money without requiring pledging any asset as collateral security. The IDFC Bank Personal Loan has the following features: 

  • IDFC Bank offers its loan to salaried government employees at a special rate of interest of 11.49%.
  • It charges processing fees of 1% on its loan as a special offer.
  • The maximum amount of loan that customers can avail of is up to Rs 25 lac.
  • It charges no collateral security on its loan.
  • The customers are free to utilize personal loan money for any of the following purposes like wedding, traveling, home renovation, medical expenses, etc.
  • The documentation requirements are also minimal in the case of this loan.
  • It charges no hidden charges on a personal loan from its customers. 

IDFC Bank Personal Loan (Eligibility criteria)

The applicant must fulfill the following requirements to become eligible for IDFC Bank personal loan. 

  • The applicant must be a salaried government employee.
  • He or she must lie in the age group of 24 to 60 years.
  • He or she must earn at least Rs 25000/- per month. 

These are the points that the applicant must fulfill to become eligible for IDFC Bank personal loan. 

IDFC Bank Personal Loan (Documents required)

The following are the documents required for the processing of the IDFC Bank personal loan. 

  1. Identity proof (Driver's license/Aadhar Card/PAN/ Voter ID card/Passport)
  2. Address proof (Driver's license/Aadhar Card/PAN/ Voter ID card/Passport)
  3. Income Proof (Salary Slip of last 3months)
  4. Company's ID card
  5. Bank statement of last 6 months 

These are the documents required for the processing of the IDFC Bank personal loan.

The customers who want to apply for IDFC Bank personal loan must do the same through Real Finserv. 

Why choose Real Finserv for the application for IDFC Bank Personal Loan?

Real Finserv is India's leading financial service provider that provides financial products for reputed banks and financial institutions. We provide financial products at attractive rates and other terms and conditions to our customers. Our services are known for the following:

  • We offer proper assistance to our customers with paperwork.
  • We offer special offers on various financial products.
  • We provide financial products for big banks and financial institutions.
  • We aim to provide 100% satisfaction to our customers.

The interested customers can apply for IDFC Bank personal loan through Real Finserv.

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Frequently Asked Questions

Personal loans can be used for any purpose such as medical emergency, wedding expenses, business expansion, house renovation, vacation expenses etc. It can be utilized towards debt consolidation, paying for the down payment of new house or meeting educational expenses. The uses for which personal loan can be utilized is limitless. The banks do not put any restrictions on its use. This is the very primary reason that demand for a personal loan is high as any kind of expenses can be met without much burden on its users. Hence personal loan is becoming the first choice of many people.

For applying for Personal Loan, one must need to follow certain requirements such as there must be a regular source of income whether you are salaried or self-employed. This is an essential factor as it determines whether you are capable of repaying the loan back or not. Another important requirement in case of a salaried employee is the company where he/she is working, and also, the credit history plays an important role in determining the rate of interest. Also, one must be minimum of 21 years of age and not exceeding 60 years of age. One can easily apply and get personal loan online as well.

The minimum amount that one needs to borrow in case of a personal loan varies from banks to banks. It depends upon different banks procedures and policy and also depends upon other factors as well. But usually, the minimum amount of easy personal loan varies from Rs. 25000 to Rs.30000. It may vary, but this is the standard limit. It is advisable to go through different lenders to choose the one which fulfils your requirements. Sometimes it also depends upon the source of income of one applying for the personal loan.

The maximum amount that one can avail through personal loan varies from person to person. It usually depends upon the financial capability of the person in repaying the loan. For salaried employees, the maximum amount is decided on the basis of their salary. The loan amount is decided in such a way that it EMI of the personal loan should not exceed 30 to 40 per cent of their salary. And in the case of self-employed, the maximum amount of personal loan is calculated on the basis of their profit. For this statement of profit and loss is analysed.

 Also, if there are other loans, then they are also taken into consideration. Credit history also plays an important role in availing a low-interest personal loan.

A personal loan is high in demand not only because it can be put to multiple uses without any restrictions imposed by the bank but also the flexible tenure it can be borrowed for. The tenure for which personal loan can be availed is from 12 months to 60 months. One can choose the time period as per their requirement, and it also depends upon the uses for which personal loan is borrowed. In some situation, a shorter or longer time period than the standard can be allowed by the lenders.

The documents that are required for the personal loan may vary from bank to bank. But some key documents are required by every bank or financial institution. These includes:

  • Document showing the proof of income.
  • Proof of Address
  • Documents relating to the proof of identity
  • Any other documents as specified by the lender.

It is important to go through all the requirements of the lender before applying for the loan so that there is no headache afterwards. The whole process has been made simpler by applying for a personal loan online.

The process of personal loan approval is very easy. It does not involve a number of lengthy and cumbersome steps, and the loan can be availed within a few days which was not possible earlier as one has wait for a longer time to get the loan approved. The approval process depends upon the lender to lender. The process can be completed within 48 hours, or it might take a week or two but not more than that. All one needs to get it documents ready so that process of personal loan can be approved at a fast rate and you can then put the amount of loan to use. Moreover, it has become easier through personal loan online approval.

Personal loans are unsecured form of loans, i.e. one does not have to mortgage security in order to get the loan. Being an unsecured loan, the rate of interest charges on them are slightly higher when compared to other types of secured loans. The prevailing interest rates are different as per banks discretion, but the lowest personal loan rate charged is around 10.99 per cent. There are certainly other factors that also affect the rate of interest such as credit history of the applicant, the income level of the applicant, tenure for which loan is applied for and also other loans that are being taken by the applicant also affect the rate of interest on this loan.

The interest rates charged on personal loans differ from bank to bank as it depends upon a number of factors. One must compare the interest rate of different banks and other financial institutions to get  low interest personal loan. One can compare the interest loan rate of different banks through Real Finserv that provides you with all the details that are required in order to make an informed decision. In order to get the lowest rate on personal loan, one may consider Real Finserv for all the guidance.

As more and more banks, as well as other financial institutions, are offering personal loan, one can compare the interest and thus get the lowest interest rate as per their requirements. Earlier one has to go physically to different banks and financial institution in order to know about the interest rate, which made it difficult to get the best deal. It has now been made easier through the platform of Real Finserv that makes available the different rate interest of various banks or NBFCs so you can choose the best interest rate for loan.