Information only
IDFC FIRST Bank is a private sector bank in the Reserve Bank of India's (RBI) classification. RBI's Banks in India listing gives its address as Chennai. It began operating as IDFC Bank in 2015 and took its present name when it merged with Capital First, a non-banking finance company, in December 2018. According to the bank's website, as of 8 November 2026, it lists consumer loans and business loans in separate groups, plus lending to larger companies.
Loans it offers
Loan products named on IDFC FIRST Bank's website, as of 8 November 2026
| Loan | What to know |
|---|---|
| Home loans | A home loan is listed among the personal loans, alongside a loan against property. |
| Personal loans | The list includes a personal loan, a consumer durable loan and Easy Buy EMI cards for buying goods in instalments. |
| Loans against property | Listed under both the personal and the business loan groups; it is also called loan against investments for securities. |
| Business and MSME loans | The business group names a business loan, a business loan for women, working capital, inventory funding, machinery, construction equipment, healthcare equipment and tractor loans. |
| Car loans | New car and pre-owned car loans are listed separately. |
| Two-wheeler loans | New and pre-owned two-wheeler loans are listed separately. |
| Gold loans | A gold loan is listed among the personal loans. |
| Education loans | An education loan is listed among the personal loans. |
| Loans for professionals | A professional loan is listed in the business group. |
Read how these loans work on LOANZ 360: home loans, personal loans, loans against property, MSME loans, business loans, car loans, two-wheeler loans, gold loans, education loans and professional loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, regulated by the Reserve Bank of India |
| Address listed by RBI | Chennai, Tamil Nadu |
| Banking licence | RBI granted IDFC Limited a banking licence on 23 July 2015; IDFC Bank began operations on 1 October 2015 |
| Merger with Capital First | Completed 18 December 2018; the combined bank took the name IDFC FIRST Bank |
| Merger with IDFC Limited | Completed 1 October 2024 |
As of 8 November 2026, IDFC FIRST Bank's merger with its former parent IDFC Limited, which took effect on 1 October 2024, is the most recent merger reported for the bank.
Before you apply
- Easy Buy EMI cards and consumer durable loans finance a purchase in instalments. Ask what is added to the price, and whether the offer has a processing charge.
- A loan against property can be taken by salaried and business borrowers alike, but valuation and legal checks can add days. Plan your timeline around them.
- If you run a business owned by a woman, check the conditions of the business loan for women before you assume it applies.
- Ask for the Key Fact Statement (KFS) and compare the annual percentage rate (APR), which counts the lender's fees.
- This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
Look at published rates on interest rates and see the whole list on the lenders page. Whether this lender is a lending partner or shown for information only is decided by live data on the lender page, not by this text. For information only, apply on the bank's own website.
Last updated 12 Nov 2026