Hello friends,

Do you need an instant ₹1 lakh personal loan for any medical emergency, travel, home repair, or personal needs?
So you can solve all this by taking an instant cash loan from IDFC Bank, under which you get a loan of 1 lakh or more.

In this blog, we will learn how to get an IDFC Bank instant loan, who is eligible for it, what documents are required, how many interest rates there are, and how the EMI will come out.

What Is an Instant ₹ 1 Lakh Personal Loan, and How Does It Work?

Sometimes we need some amount of money, like 50000 to 100000. And we do not even have so much time; no matter what, in such a situation, it is better to apply a mask to a friend or relative than an instant personal loan.
This loan is an unsecured loan in which we do not need to give anything as collateral, i.e., there is no need to mortgage with the bank.
And most importantly, friends, this loan is completely digital, i.e., there is no hassle of filling any paper or
So an instant cash loan of Rs 1 lakh is a good option for quick financial help.

Eligibility for Instant ₹ 1 Lakh Personal Loan

• Your credit score must be at least 730 or higher.
• No matter what kind of job or business you do, you need to have a stable monthly income.
• You must be at least 21 years old and at most 60 years old.
• As for papers, all you need is your PAN card, which is required for the video KYC.

How IDFC FIRST Bank Instant ₹1 Lakh Personal Loan Stands Out in 2025

• It is a demand loan. Be it marriage or home repair, this loan can meet your financial needs instantly. as this loan is completely digital and the money will be credited to your account in just a few minutes.
• There are no maintenance charges. Once you apply, the loan amount will be sanctioned according to your creditworthiness. And whatever loan you will be sanctioned, you will not have to pay any maintenance charge on it. Just once do you have to pay the processing fee. Facility to choose EMI tenure as per your requirement.
• You can choose the desired repayment period, which ranges from 2 months to 60 months. This will help you a lot in repaying the loan.
• Prompt sanction of loans and disbursement of funds.
• The fully digital application process makes it easy for you to apply for the FIRSTmoney Smart Loan instantly.
• The process of approval and disbursement is fast, and as soon as your documents are verified, you receive the sanctioned loan amount, allowing you to start withdrawing the amount immediately.
• The interest rate starts at just 9.99%, which is quite affordable, and you can choose the EMI plan as per your convenience and budget.
  

How to Apply for an IDFC FIRST Bank Instant ₹1 Lakh Personal Loan

• Go to the FIRSTmoney portal and scan the QR code or click on the loan option from your smartphone.
• Register with your mobile number and check eligibility by entering your basic/personal information.
• Select the loan amount as per your requirement and choose one of the flexible repayment options (tenure).
• Link the bank account to which you want the loan amount.
• Complete the video KYC process with your PAN card (physical).

If you want to take a loan immediately, then IDFC First Bank’s FirstMoney Smart Loan can be an ideal option for you.

Its fully digital process, instant approvals, and flexible repayment plans offer you maximum convenience. In just a few easy steps, you can get a loan of up to ₹1 lakh—without the need for lengthy paperwork or mortgages. Also, there are no foreclosure charges. so you can repay the loan anytime without any penalty.

Conclusion

If you are in need of a fast loan, then IDFC FIRST Bank’s FIRSTmoney Smart Loan can be a great option for you. It’s a fully digital process. Instant approval and flexible payment options make it extremely convenient.
You can get a loan of up to ₹1 lakh in just a few simple steps—without any complicated documentation or guarantees.
Also, there are no foreclosure charges, allowing you to repay the loan at any time.
So if you want a quick loan for personal expenses, medical emergencies, travel, or any other need, don’t delay now—take advantage of the FIRSTmoney loan and take a step towards financial independence!

Frequently Asked Questions

Q. Who can apply for the IDFC FIRSTmoney loan?

Both salaried and self-employed individuals between 21 and 60 years of age with a stable income can apply.

Q. What is the repayment tenure for an instant ₹1 lakh personal loan?

You can choose a flexible repayment tenure ranging from 2 months to 60 months, depending on your comfort and repayment ability.

Q. Are there any hidden or maintenance charges?

No, IDFC FIRSTmoney loan does not charge any maintenance fees. You only pay a one-time processing fee at the time of approval.

Q. Is the entire process really paperless for IDFC FIRST BANK’s instant ₹1 lakh personal loan?

Yes, the entire loan process—from application to disbursal—is 100% digital and paperless. You only need your PAN card for video KYC.

Q. Can I foreclose or prepay the loan?

Yes, you can prepay or foreclose the loan anytime without any penalty. IDFC FIRST Bank does not charge foreclosure fees.

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So friends, in this blog we have tried to know every aspect of this loan in detail. If you have any kind of problem with this loan or you have any suggestion, then please comment below.
Thank you for reading the blog to the end!