IDFC FIRST Bank レビュー 

NRI relationship manager support and overall customer service is worst. You will get good response until you open the account. After that forget customer service. Stay away.

Good customer service . Teller behaviour is very good.

A WORD OF CAUTION: BE CAREFUL WHEN INVESTING THROUGH IDFC FIRST BANK Kandivali West /BRANCHES! 😱😡😡

Do not blindly trust verbal assurances or promises made by branch managers or bank staff when they recommend investments offering higher returns.

Always verify the product details, risks, lock-in periods, and exit conditions independently before investing.

Strongly recommend never ever get lured to invest into Insurance or Market link insurance products as a Customer

In my personal experience, I was persuaded to invest ₹20 lakh each in an HDFC insurance pension plan and an LIC pension plan.

I was assured, including through emails, that these products were as good as fixed deposits, offered higher returns than bank FDs, and allowed an exit after just one year without any surrender or penalty charges

Unfortunately, the actual exit conditions did not match myunderstanding of those assurances. I faced mental trauma and stressed out with substantial financial losses, including an approximately 25% penalty and no interest on the invested amount. The total amount affected was around ₹13 lakh across both investments.

My sincere advice: Do not rely solely on promises made by bank staff, specifically by IDFC bank t f mending invest into Insurance pension plans and market-linked products which are NOT the same as fixed deposits.
Read the official policy documents, understand the surrender charges and exit conditions, and obtain independent financial advice before committing your hard-earned money.
Learn from my bitter experience that I went through: verify everything in writing before you invest!

This is worst bank I have ever experienced. Back in the day we used to cribb about nationalised banks but trust me, this bank is much much worse than those days of nationalised banks.
I have NRE/O account with IDFC. Guys, they do offer a little better rate but it is just not worth it. They will make you bleed bad, real bad.
On first given opportunity i will clkse my account here and switch elsewhere.
Their resources, tools, processes, every damm thing is too much below par.

It has been over 10 days since we paid off our car loan, yet we still haven't received the NOC. Because of your pathetic service, we are unable to proceed with other arrangements.

Very disappointing services. I am using idfc credit card since long and always paid my amount on time. Once there was statement bill amount was 1,70,000. I use to pay bill through UPI, so due to UPI limit rules i paid 90,000 on due date and rast 80,000 after due date. They put 9000+gst interest over that. I requested them and explained the issue but they denied my request. Its very rediculous and pathetic. They don't value their good customers and want to put charges anyhow and take money.

My wife and myself took their credit card. One day my wife got a call from this bank saying that her credit card has been debited for 132000/= she immediately told the bank person that she did not receive any OTP nor did she gave away her card details. Lateron during first 40 minutes she lodged a customer complaint and we both in disgust asked them to block out cards. We have filed a case in consumer court for negligence and deficiency of services and unfair trade practises. There after she started getting mails and messages to settle the dues for about 32000/- or 25000/-. We both are ex employees of bank of india and know what such frauds are. Recent scams in this bank to the tune of 650 crores has found by police that many executives, officers and staff members are involved in these scams. This is just a tip of the iceburg and there couls be many such frauds. Reaerve Bank shall merge this bank in some nationalised bank. The staff members must be properly trained. Just sitting in front of a computer and operating a software built by someone is not banking. Their customer service deptt is terrible and people in this bank are just donot know banking and not fit to work in a bank. Now IDFC bank is asking people to open savings bank accounts. People should think millon times before dealing with this bank because this bank itself looks to be a scam. Dont deal with this bank at all

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.

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

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.