IDFC Bank Personal Loan - Check eligibility, features, benefits, and interest rates. Know how to apply online to get instant approval. IDFC Bank Personal Loan Interest Rate The interest rates for IDFC Bank personal loans start at 11.50% per annum. However, the actual interest rates offered to applicants can vary depending on various factors, including their credit score, monthly income, occupation, and the nature of their employer's business. Get maximum flexibility with IDFC FIRST Bank’s Flexi Loans : borrow up to ₹10 lakh, pay interest only on what you withdraw from your loan offer, with the same 9.99% p.a. rate, fully digital and zero foreclosure charges.