The IDFC First Bank personal loan processing fee as published; the published figure already includes GST.
| Charge | As published |
|---|---|
| Processing fee | 0% to 3.5% of loan amount (incl. GST) |
Updated 17 Sep 2026 · Lender rate pages, checked individually
What you actually pay
Where a fee is quoted exclusive of tax, add 18% GST to get what you actually pay. Legal and technical valuation charges, CERSAI registration and any bundled insurance sit outside the processing fee and are quoted separately at sanction.
On an unsecured loan the fee is deducted from the disbursal rather than billed, so the amount that reaches your account is smaller than the amount you are repaying interest on. Work the EMI on the sanctioned figure, not the credited one — the EMI calculator takes both.
How it compares
On rate, IDFC First Bank is the joint cheapest of the 8 providers we track for a personal loan, starting at 9.99% — level with HDFC Bank, Axis Bank and ICICI Bank. The full range and where it sits are on the IDFC First Bank personal loan interest rate page, and the standing table for every lender is on personal loan interest rates.
A fee difference is worth far less than a rate difference on a five-year loan, so read the two together rather than choosing on either alone. The rest of the product — eligibility, tenure and what the bank will lend — is on the IDFC First Bank personal loan page.
Terms change without notice. Confirm the current figures with IDFC First Bank before you act.
Related reading
IDFC FIRST Bank Personal Loan EMI Calculator
What an IDFC FIRST Bank personal loan costs a month at both ends of the published rate range.
17 Sep 2026 · 1 min
IDFC FIRST Bank Personal Loan Interest Rate Today
What IDFC FIRST Bank advertises on a personal loan against the most it can charge, and where that sits among the eight lenders we track.
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