IDFC FIRST Bank: MobileBanking

Welcome to IDFC FIRST Bank’s Mobile Banking App. Enjoy a fast and seamless online banking experience, with integrated banking services and exciting features. Experience the joy of * One-Swipe Banking: Swipe to view your account balances and manage credit card/debit card details, deposits, investments, etc. * Seamless Payments & Transfers: Make secure payments, UPI transfers, and bill payments instantly. * Zero Fee Banking: Enjoy over 28 commonly used Savings Account services free of cost, including money transfers, cheque re-issuance, debit card issuance, ATM withdrawals, etc. * Building Wealth: One screen to view your investment portfolio. Get curated investment recommendations based on your risk profile. * Being in Control: Track, analyse and manage your expenses across categories * Investing for your Life Goals: Choose your investment goals – be it a wedding, children’s education, or retirement. Also, create goals with curated recommendations. * Personalized Offers: Get exciting offers you can use across dining, lifestyle, travel and more. Find what you are looking for with our suggestive in-app features. * Affordable Instant Loans: Avail pre-approved loan offers at attractive interest rates and flexible tenures. Secure Fund Transfers & Payments * Free fund transfers to any bank account without adding beneficiary * Easy bill payment and recharge – mobile recharge, DTH and utility bills * No charges on cash withdrawals & deposits or international ATM & POS transactions * 3-click digital payments of utility and credit card bills * Zero fee on money transfer (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS UPI Payments App: * Transfer funds, pay your credit card bills, invest in mutual funds, pay personal loan EMIs, buy and recharge FASTag using UPI, thanks to our partnership with NPCI. It’s 100% online! * Link your bank (बैंक) accounts and view your savings account (बचत खाता) balances and statements Other Banking Services: * Apply for debit card & cheque book via app completely free of charge * Use smart filters to view transactions * Manage credit card payments, download statements, and redeem credit card (क्रेडिट कार्ड) rewards * Quick purchase and recharge of FASTag * Zero fee on DD & Pay order issuance & 3rd party withdrawals * No ECS return fee & decline fee at ATMs for low funds * Get personalised offers across loans * Contact us via Chat, Video Call and Call Centre Steps to download and use our App: * Download the banking app * Log in via user ID and password or mobile number and MPIN * Subsequent log-ins can be done via Face ID or fingerprint scanner (biometric) * SIM Binding feature for secure banking (बैंकिंग) Steps to open a digital banking account (बैंक खाता): * Download and install our banking app * Click on ‘Open savings account’ (सेविंग्स अकाउंट) on main page OR * Click on Login and on the login page’s top right corner, click on three dots * Click on ‘Open savings account’ Investment, Mutual Funds & IPOs App: Explore online investment services: * Invest in Mutual Funds online with Instant SIP * Invest in equity, debt, large-cap and multi-cap * Save tax with ELSS mutual funds * Invest in Unit Linked Insurance Plans(ULIP) and Online Sovereign Gold Bonds Insurance App: Buy health, bike & car insurance through our app Personal Loan Features: Loan amount: ₹20,000 to ₹40 lakhs Personal Loan Tenure: 6 to 60 months Annual Percentage Rate: 11% to 28% Representative Example: Loan amount: ₹1,00,000 Loan Tenure: 12 months Interest Rate (reducing): 20% EMI Amount: ₹9,264 Total Interest Payable: ₹11,168 Processing Fee (incl GST): ₹3,499 Disbursed Loan Amount: ₹96,501 Total Amount Payable: ₹1,11,168 Total cost of Loan (Interest + Processing Fee): ₹14,667 Disclosure: By downloading the IDFC FIRST Bank Mobile App, you agree to our Terms & Conditions, as well as IDFC FIRST Bank’s privacy policy. To go through the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions