IDFC FIRST Bank: MobileBanking 2.29

Welcome to IDFC FIRST Bank’s Mobile Banking App. Experience a convenient and efficient online banking platform, offering a wide range of integrated banking services and exciting features.

Enjoy the following benefits:

• One-Swipe Banking: Easily view your account balances and manage various banking transactions such as credit card/debit card details, deposits, and investments.
• Seamless Payments & Transfers: Make secure payments, UPI transfers, and bill payments instantly.
• Zero Fee Banking: Access over 28 commonly used Savings Account services free of charge, including money transfers, cheque re-issuance, debit card issuance, and ATM withdrawals.
• Building Wealth: Monitor your investment portfolio and receive curated investment recommendations tailored to your risk profile.
• Being in Control: Track, analyze, and manage your expenses across various categories.
• Investing for your Life Goals: Select investment goals such as weddings, children’s education, or retirement with curated recommendations.
• Personalized Offers: Discover exciting offers across dining, lifestyle, travel, and more using our suggestive in-app features.
• Affordable Instant Loans: Take advantage of pre-approved loan offers at attractive interest rates and flexible tenures.

Experience secure fund transfers and payments:

• Free fund transfers to any bank account without adding beneficiaries
• Easy bill payment and recharge options for mobile, DTH, and utility bills
• No charges on cash withdrawals & deposits or international ATM & POS transactions
• Easily make utility and credit card bill payments with just three clicks
• Zero fee on money transfers (मनी ट्रांसफर) to bank accounts through IMPS, NEFT, or RTGS

Enjoy the benefits of our UPI Payments App:

• Transfer funds, pay credit card bills, invest in mutual funds, pay personal loan EMIs, and buy/recharge FASTag using UPI through our partnership with NPCI. It’s 100% online!
• Link your bank (बैंक) accounts and view your savings account (बचत खाता) balances and statements.

Explore the additional banking services we offer:

• Apply for a debit card & cheque book via the app free of charge.
• Use smart filters to view transactions easily.
• Manage credit card payments, download statements, and redeem credit card (क्रेडिट कार्ड) rewards.
• Purchase and recharge FASTag efficiently.
• No fees on DD & Pay order issuance or third-party withdrawals.
• No ECS return fee & decline fee at ATMs for low funds.
• Receive personalized loan offers.
• Contact our support team via Chat, Video Call, or Call Centre.

Follow these simple steps to download and use our App:

1. Download the IDFC FIRST Bank Mobile App.
2. Login using your user ID and password or mobile number and MPIN.
3. Subsequent log-ins can be done via Face ID or fingerprint scanner (biometric).
4. Take advantage of the SIM Binding feature for secure banking (बैंकिंग).

Follow these steps to open a digital banking account (बैंक खाता):

1. Download and install our banking app.
2. Click on ‘Open savings account’ (सेविंग्स अकाउंट) on the main page.
3. If you're already a user, click on Login, then click on the three dots in the top right corner of the login page, and finally, click on ‘Open savings account’.

Discover our 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.

Manage your Insurance needs through our Insurance App:

Purchase health, bike, and car insurance through our app.

Take advantage of our 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 and IDFC FIRST Bank’s privacy policy. To review the T&Cs, please visit https://www.idfcfirstbank.com/terms-and-conditions.