IDFC FIRST Bank Bewertungen 

I want to raise a serious concern regarding my recent experience with **IDFC FIRST Bank** and the way my loan application and bank account opening were handled.

I was contacted by an IDFC staff member, **Adnan**, regarding a loan. During the process, I was asked to provide multiple OTPs and personal/financial information. After completing these steps, I was told that **my loan had been approved**, but because I did not have a local address, I needed to open an IDFC FIRST Bank account so that the loan amount could be disbursed into that account.

Based on this information, I opened the account.

I had already clearly informed Adnan that I had two existing loans. However, I was told that this would not be an issue and that the loan would be processed.

After the account was opened, I was asked to provide several documents, including PF details, access to my account-related information, statements of previous loans, NOCs, etc. When I questioned why these documents were required if the loan had already been approved, I was told that my CIBIL was being checked.

This raises an obvious question:

**If the loan was already approved, why was my CIBIL and loan history being checked afterward?**

Later, I received a call from another person, **Ravi**, who identified himself as a senior. He informed me that three loans were showing as active. I explained that one of those loans had actually been closed, although it was still reflecting as active on CIBIL. I therefore shared the NOC and other supporting documents with him.

Ravi then told me that he would personally check everything and either get the loan approved or take responsibility for getting my IDFC account closed.

During the account-opening process, another person, **Abhishek**, visited me. I specifically asked him whether opening the account would require me to maintain a balance or incur any charges. I was given information that led me to believe there would be no such issue.

However, the situation is now completely different.

My account has not been closed, and I am repeatedly receiving calls and messages from IDFC FIRST Bank stating that I need to maintain the account, otherwise **maintenance charges of ₹600 may be applicable**.

This entire experience has left me extremely concerned.

My questions to IDFC FIRST Bank are:

1. Why was I told that my loan was approved before the subsequent CIBIL/document verification?
2. Why was a bank account opened if it was only required as part of the loan process?
3. Why was I given assurance that the account would be closed if the loan was not approved?
4. Why am I now being asked to maintain the account and potentially pay maintenance charges?
5. What is the bank's policy regarding staff/agents collecting customers' sensitive financial information and OTPs during such processes?

I request **IDFC FIRST Bank's senior management and compliance team to investigate this matter**, verify the calls and communications made by the concerned staff, and provide a clear written explanation.

Customers trust banking representatives with highly sensitive financial information. **Misleading communication, if established, is a serious matter and should not be ignored.**

I am sharing this post to seek transparency and accountability, and I hope IDFC FIRST Bank will look into this matter seriously.

India’s worst bank I have seen ever and ever
Pyment

Customer Beware:
Opened NRE & NRO account in May and it was all good till the account was opened and that's where the good things stopped. Once I was the customer:
1. Accounts are still in Debt freeze, not able to operate the account.
2. Constant harrassing for first 3 months to opt for Prviliged banking option.
3. Wrong information from relation manager about the interest rates.
4. Local branch is helpless as these accounts are operated centerally.

So far, Multiple calls, two local branch visits and I am still waiting to use this account. TOTAL WASTE OF TIME AND RESOURCES

Less than even 1 Star — Extremely disappointing customer service and grievance handling

My experience with IDFC FIRST Bank has been extremely disappointing.

I had a No Cost EMI transaction on my IDFC FIRST Bank credit card. At the time of booking, the merchant's checkout clearly showed 0% effective interest / ₹0 interest payable, yet interest of approximately ₹2,944 was subsequently charged to my card.

I contacted my IDFC FIRST Bank Relationship Manager, Prabhakaran, and followed up with him repeatedly for several months. He acknowledged the issue and repeatedly assured me that he would escalate it and keep me updated.

On July 24, he told me: “Sure sir, will escalate the same with them on this.”

On July 28, he said: “I will raise the escalation to them by today and keep you updated sir.”

On August 27, he told me: “The team will reverse the charge before 4th sep, otherwise I will pay for that.”

Despite these assurances, the matter remained unresolved. I continued calling and messaging for updates. I was repeatedly told that it would be resolved, but I did not receive a proper written resolution.

I eventually became unable to get a response from the Relationship Manager despite repeated attempts to contact him. I have retained the WhatsApp conversations, call records and supporting documents.

What is most disappointing is not only the disputed charge, but the lack of accountability, communication and follow-through after repeated assurances from the bank representative.

IDFC FIRST Bank's own grievance policy provides escalation channels for customers who are dissatisfied with the resolution or timelines.

This experience has seriously affected my confidence in the bank and its customer-service process. I expected a banking relationship manager to either resolve the matter or provide a clear written explanation and escalation status—not leave a customer repeatedly chasing for months.

I hope senior management reviews this case, including the communications and commitments made by the relationship manager, and takes appropriate action if the investigation establishes negligence or failure to follow customer-service procedures.

Very disappointing experience.

Customer service is zero and they hire goons and mischievous people for recovering EMI if it is missed by 15 days. They have no customer relationship manager whom we can discuss our issues. They are least bothered about building long term relationship with customers. Financial conditions are not always same . But there goons abused me and my family so badly that it took me two days to recover from that trauma. This is first and last time I have done any transaction with them. I will ban IDFC first bank forever.

IDFC First Bank is a good bank, but the loan management team lacks understanding. If they speak Bengali anywhere in the country, they should at least understand that our national language is Hindi, not Bengali. Bengali should only be spoken in Bengal, not in other states.

I am getting calls daily from idfc bank AI call center, I do not have any account still they torcher me

⚠️ BE VERY CAREFUL BEFORE INVESTING THROUGH IDFC FIRST BANK
My experience as an NRI Wealth Management customer has been extremely disappointing.
I invested approximately ₹40 lakh based on specific commitments and representations made by bank representatives, including commitments provided to me in writing. However, when I later independently verified the actual product terms with the concerned entities, several of those representations did not match the actual terms.
I escalated the matter to senior management and offered to provide WhatsApp conversations, written communications and other supporting evidence. I also requested a personal meeting to explain the matter with documentary proof.
Unfortunately, I felt my concerns were not properly examined. Instead, I repeatedly received responses stating that the matter had been discussed with the concerned representative, without addressing the specific evidence and commitments I had raised.
My clear advice: Do not rely solely on verbal or written assurances from bank representatives when making large investments. Verify every commitment, return, exit condition and product feature directly with the concerned product provider before investing.
This experience has seriously affected my confidence in IDFC FIRST Bank's investment advisory and grievance-handling process.
Think twice and verify independently before entrusting your hard-earned money to the bank based on relationship-manager assurances.
Management did not give me an appointment to.otesent my case with documentry evidences

How many customers think this senseless👇🏻

IDFC collected Annual Fee on the credit card blocked permanently. They said it was blocked but not closed hence can be collected. In both the cases card services are disabled. Now, how many of you justify collecting Annual fee on blocked card?
Another insane thing is, executive says he would try to waive off fee but not GST. When accepted for waiving the total fee itself, how come GST applied? Bcoz the GST has to be applied on annual fee which becomes 0 once waived it off.

I said even if he applied GST, he has to apply on annual fee’0’ which is again 0.
Finally, they said it takes time to resolve the issue. But they have not yet resolved instead the fee got deducted as per statement cycle.

Ye ek bhut hi gatiya kisam ki bank hai our logo ko loan ke nam pe lootne wali bank hai meri sabhi bhaiyo se hath jorkar benti hai ki esi benko se bcho

Service Request number 1163301831 Rohit from IDFC says i sent emails without subject and empty content, attaching screenshots to show that screenshots and query was sent. i even had to pay 500 rs for late gst fine for no delay or mistake of mine. you can also check whatsapp chat history between 8469510274 and 9723817070, there are many queries unanswered, merchant links sent by bank along with 2-3 other passwords sent by bank remain unresolved and theres password error on website sent by bank. several emails sent to bank with password errors and other issues previously still remain unanswered, yesterday afternoon Rohit again called my dad , do i look like a minor? I am the customer who signed the documents, why cant bank communicate with me and why cant bank communicate via email ? there is option in foreign companies to select if customer wants response via email or call which can be selected.Also, Rohit on yesterdays call asked me to end the call, why couldnt he end the call and whats the purpose of asking me to end the call?IFSC IDFB0042261

Never Apply a IDFC Credit Card.
The executive did not came or even called once for KYC, Marked address does not exist. Upon contacting IDFC support Instead of taking action on their incapable staff they denied and even kept defending themselves instead of fair inquiry or taking action.

😠🙆I m tired this bank . Always problem on cash credit.This bank requird one more staff .very boring & tired this bank . Only one issue that is one more staff required.

Tried opening a business account in Noida, Sec 26 branch... Been over a month and the account hasnt opened...extremely slow process...thinking of cancelling...no customer service/updates...sorry state of affairs....

Worrest Bank I am seeing entire my life.
I am not interest Single Star because of
I recently applied for a Personal Loan with IDFC FIRST Bank. My monthly salary is ₹63,000 and my CIBIL score is 800+. I provided all the requested information, including my salary account details, PF information and official company email ID, and completed the required documentation.

After completing the documentation, I received an SMS from IDFC FIRST Bank stating:

“Dear V, Your PL application no. 400455939596 is approved in-principle for Rs. 8,63,000 for a tenure of 60 months.”

After receiving this message, I was expecting the loan process to proceed further.

However, later one person came to my office for employment verification and asked me to show my Employee ID card. At that moment, I did not have my Employee ID card with me. I honestly informed him that I did not have the ID card at that time. He simply replied, “Okay, Sir.”

Immediately after that, I received another message saying that my loan application was rejected because my profile did not match their credit policy.

This experience is extremely confusing and disappointing.

My question is simple: Is an Employee ID card the only proof of employment?

There are many ways to verify whether someone is actually employed by a company — salary account, salary slips, PF/UAN details, official company email ID, employment documents, company verification, etc. I had already provided several of these details.

If I cannot show one particular ID card at one particular moment, does that mean I am not an employee of the company? Anyone with basic common sense would understand that an Employee ID card is only one form of identification and should not necessarily be the only method of employment confirmation.

What makes this experience even more frustrating is that the bank first sent me an in-principle approval message for ₹8.63 lakh, and after the office verification, the application was immediately rejected.

I understand that final loan approval is subject to the bank's credit policy. However, the overall process and communication were extremely disappointing.

After this experience, I am no longer interested in taking a loan from IDFC FIRST Bank. I am sharing this review based on my personal experience so that other customers can understand what they may experience during the loan verification process.

Very disappointing experience. I expected much better professionalism and common-sense verification from a reputed bank.

This is a fraud bank. The bank issued credit card to my wife as a marketing trick. And from her credit card made a payment of about 1.30 lacs to a bogus company and are after us to pay it. I have lodged a case in consumer forum. The staff is not trained and they don't know banking. Govt should close this bank compulsarily

Very Poor Customer Service & Unprofessional Collection Behaviour

I am extremely disappointed with the customer service and behaviour of the collection staff. I missed one EMI, which was only 12 days delayed, and Collection Manager visited my residence.
During the visit, he allegedly used rude and inappropriate language toward my parents and told them to vacate the house, which is completely unacceptable and distressing.
I understand that banks have the right to follow up on overdue payments, but collection staff should maintain professionalism, dignity and respect, especially when dealing with family members.

Very disappointing experience. I expect better customer service and professional conduct from the bank.

My Experience with IDFC FIRST Bank – Extremely Disappointing

I’ve maintained my salary account with IDFC FIRST Bank for nearly 7 years. I don’t have any loans, EMIs, or other credit cards in my name.

Recently, I spent more than an hour going through the credit-card approval process, only to be denied later. What made it more frustrating was that the bank initially called me and indicated that I was eligible, but the application was eventually rejected with just a SMS.

I then escalated the matter through email, hoping for a proper explanation. Unfortunately, I received a generic/subjective response without a clear or satisfactory reason for the rejection.

As a long-standing customer, this entire experience has been extremely frustrating and feels like unnecessary mental harassment.

At this point, IDFC FIRST Bank has become one of the worst banking experiences I’ve personally had, and I would seriously think twice before recommending this bank to anyone.

Waiting for the Executive to visit for opening of account since last 5 days. Still waiting. What should be my review!

The Ashok Nagar Branch is being run like a thrift fund or society. It does not function likie a Bank. Even the basic infiormations are not known right from the Branch Manager to Clerical level.
Recently i have deposited my Son's Cheque for Rs 10,00,000/- on 7th of August. As on date (13.08.26) they are holding the Instrument in the branch with out even informing the Depositor, Without Informing the beneficiary and they have not sent the cheque to depositors registered address. When i spoke to BM also they dont have valid reason.
Of course we have 5 account for our family in the same branch (all the accounts are maintained very well) and some how we are managing.
Even pass book printing is not being done properly for many many years.
The concererned autority may take proper action against these issues.