IDFC First Bank Personal Loan EMI Calculator — 10.99% Rate
IDFC First Bank current personal loan interest rate: 10.99% p.a.
For a ₹5.00 L loan over 4 years — estimated monthly EMI: ₹12,920
Pre-filled with IDFC First Bank's current personal loan rate. Adjust the sliders to match your actual loan details.
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Monthly EMI
₹12,920
4 yrs · ₹5.00 L loan
💡 Pay ₹1.3K extra/month → save ₹13.9K interest & close 0 yrs early
Monthly EMI
₹12,920
4 yrs
Total Interest
₹1.20 L
Total Payment
₹6.20 L
About IDFC First Bank Personal Loan
IDFC First Bank offers personal loans starting from 10.99% p.a. as of 2025. The EMI for a ₹5 lakh loan over 4 years at this rate is ₹12,920 per month, with total interest of ₹1.20 L.
Use the calculator above to adjust the loan amount, interest rate, and tenure to match your specific requirements. The amortization schedule shows exactly how much principal and interest you pay each year.