IDFC FIRST Bank online EMI payments
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IDFC FIRST Bank Loan EMI Payment
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About IDFC FIRST Bank
IDFC FIRST Bank is a private-sector scheduled commercial bank in India, headquartered with a registered office in Chennai and corporate office in Mumbai. It was formed on 18 December 2018 through the merger of IDFC Bank (a scheduled commercial bank that began operations in October 2015) and Capital First Limited (a retail-focused NBFC). IDFC FIRST Bank is regulated by the Reserve Bank of India as a scheduled commercial bank, not as an NBFC. So it follows banking regulations, including RBI rules on foreclosure charges for floating-rate retail loans to individual borrowers.
Personal loan
Home loan
Loan against property (LAP)
Two-wheeler loan
Car loan (new and used)
Consumer durable loan (No Cost EMI on appliances)
Education loan
Gold loan
Business loan (working capital, term loan, MSME)
Commercial vehicle and construction equipment loan
Loan against fixed deposit and securities
Credit cards (FIRST Wealth, FIRST Select, FIRST Classic, FIRST Power and co-branded variants)
These are the loan products IDFC FIRST Bank offers across India.
How to Pay IDFC FIRST Bank EMI Online
You can pay your IDFC FIRST Bank EMI through several channels:
IDFC FIRST Bank Mobile Banking app: pay loan EMI, credit card bill, view statement, foreclose
Net banking: login at idfcfirstbank.com to pay EMI, transfer funds, manage standing instructions
BBPS: pay IDFC FIRST Bank loan EMI and credit card bill on Google Pay, PhonePe, Paytm, or any UPI app under "Loan EMI" or "Credit Card" biller categories
NACH auto-debit: default for most loans, deducted from the registered savings or current account on the EMI due date
NEFT / RTGS / IMPS: to your loan account number from the sanction letter
UPI: for credit card payments and one-time EMI payments
Branch payment: cash, cheque, or DD at any IDFC FIRST Bank branch
**Track IDFC FIRST Bank EMI on Oolka:** if you have loans across multiple lenders, you can manage all your EMIs in one view on Oolka and get an alert when your credit score qualifies you for a lower-rate refinance offer.
Use the official channels above, or pay on Oolka to get cashback, EMI reminders, and a free credit score check.
IDFC FIRST Bank Customer Care
Contact IDFC FIRST Bank directly for EMI, account, or grievance queries:
Main customer care: 1800 10 888 (toll-free, 24x7) for accounts, credit cards, loans, and other banking services
Grievance / complaint escalation: Raise A Complaint Online at idfcfirstbank.com/grievance-redressal. Escalation matrix to Nodal Officer and Principal Nodal Officer is published on the site
NRI services email: nriservices@idfcfirstbank.com
Email for general queries: . IDFC FIRST Bank primarily directs general customer queries through the in-app and online service request forms rather than a single shared mailbox. Use the Self Service portal at idfcfirstbank.com/customer-care-sr.
Registered office: IDFC FIRST Bank Tower (The Square), C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051, Maharashtra
For account-specific queries, log in to https://my.idfcfirstbank.com. https://my.idfcfirstbank.com is the IDFC FIRST Bank net banking portal where existing customers see savings and current account balances, loan EMI schedule, credit card statement, foreclosure quote, and the option to set up or modify standing instructions. The Mobile Banking app provides the same access with biometric login.
IDFC FIRST Bank Prepayment and Foreclosure
As a scheduled commercial bank regulated by the RBI, IDFC FIRST Bank follows the RBI directive that floating-rate retail loans to individual borrowers (including home loans and loan against property) cannot carry foreclosure or prepayment charges. For fixed-rate loans (some personal loans, car loans, two-wheeler loans), IDFC FIRST Bank may charge a foreclosure or part-prepayment fee based on the outstanding principal; these are specified in the sanction letter and the schedule of charges on idfcfirstbank.com. Most credit card and consumer durable EMI plans can be foreclosed at any time, subject to applicable charges. Before you foreclose, run the numbers on Oolka. It shows exactly how closing this IDFC FIRST Bank loan will move your credit score, since sometimes keeping the account open longer is better for your credit mix.
Why Pay IDFC FIRST Bank EMI on Oolka
Three things you get on Oolka that you do not get paying directly:
EMI reminders three days before the due date, so you never miss an EMI by accident.
Free credit score check, so you know how your EMI history is affecting your credit.
Cashback offers on select payments.
Most importantly, Oolka shows you exactly how an on-time IDFC FIRST Bank EMI moves your credit score, and what to do if you have already missed one.
Frequently Asked Questions about IDFC FIRST Bank
Other Lenders You Can Pay on Oolka
Oolka supports EMI payments for loans from these lenders too:
Belstar Microfinance
Bajaj Finserv
Hero Fin Corp
Bajaj Auto Finance
L&T Finance
Aditya Birla Capital
IDFC FIRST Bank
One app, one login, all your loan EMIs in one view.
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