IDFC FIRST Bank Reviews 

Very Disappointing Banking Experience – IDFC FIRST Bank

I strongly recommend that customers carefully consider the level of service before opening an account with IDFC FIRST Bank.

I have faced repeated difficulties in routine banking transactions, including cash withdrawals, NEFT, RTGS, Demand Draft (DD), and self-withdrawal. Even after completing the required formalities, including Positive Pay confirmation/intimation, confirmation emails, and other necessary documentation, the release and clearance of funds have been unnecessarily delayed.

The most frustrating part is that even after completing all the required procedures and providing confirmations, the bank has not provided timely fund clearance. This creates serious problems when payments are urgent and time-sensitive.

The response and coordination from the Branch Manager and concerned staff have also been disappointing. Customers should not have to repeatedly follow up for basic banking services after fulfilling all required formalities.

My experience has been extremely unsatisfactory, particularly regarding fund clearance and customer service. I sincerely hope the bank's management reviews these issues and improves its service standards, communication, and transaction-processing procedures.

Rating: 1/5 – Very Poor Experience

Extremely poor service – I would give zero stars if I could.

I have had repeated and unacceptable problems with IDFC FIRST Bank.

When I first opened my NRE/NRO accounts and deposited money, the bank later told me that the first transaction had to come from my UK bank. My account was then frozen. I had to make the transfer again from a different bank because the first transfer was not properly acknowledged. It took over four months to resolve the issue.

The bank also entered my address incorrectly, and despite repeatedly reporting it, it still has not been corrected.

I am now trying to transfer funds from my NRO to my NRE account. This has been going on for over two months, despite me submitting the requested documents multiple times.

The lack of communication, accountability and basic efficiency is astonishing. I have spent countless hours chasing the bank and repeatedly providing the same information.

This has been one of the most frustrating banking experiences I have ever had. I would strongly advise anyone, especially NRI customers, to think twice before trusting IDFC FIRST Bank with their money.

Bad experience while taking loan as well at the time of closure.

I would like to say, noone should take loan ever from IDFC first bank.

Once you take a card or loan they call you daily 3 to 4 times. Had raised complaints but everttime they say will not be called. Hence on the last call told the representative to come and clean my society gutters and the roads as instead of disturbing us try to clean the gutters and roads. After humiliation the calls stopped. Usless people.

Very bad bank.
Not support customer in difficult time want only bank.profit

The customer service is worst and the unprofessionalism I have seen is unparallel. You keep on requesting one thing and they moght just not reply. Even the escalation team is poor. Very strange how they are doing work. Saba shaikh and Shruti kadam were assigned to me. Customer id - 6638476765

I had made a purchase using IDFC Credit card. While using the card I had used reward points. Half of purchase was returned hence, the payment was reversed. Unfortunately they had charged me for using reward points and when they had reversed my payment hey should have reversed my reward points too. They have charged me extra and I had to pay more. When I raised a complaint, after 2 days they send me a mail that the case has been closed. I am totally dissatisfied with their service. Unfortunately there is no phone banking and no relationship manager. Please don't trust this bank

My experience very fraud banking service

Every day, I receive numerous calls about credit cards, personal loans, and other financial products, even though I am not an account holder. They call late at night as well. Every time, I reject the calls and clearly show that I am not interested, yet they continue to call. It's absolutely hopeless.

Bad customer experience and worst bank in the world

One of the worst banks to deal with...The loan department team gives you a totally wrong picture and lies about everything.request all to not get associated with idfc bank they keep everything hidden and after you sign the agreement you are in for a shock.

I applied for a personal loan with IDFC FIRST Bank after seeing marketing communication mentioning interest rates starting from 9.99% and "No Foreclosure Charges."

I eventually received a different loan product with a 14% interest rate, a 5% foreclosure charge, and a nine-month lock-in period. I accepted the loan because of my urgent financial requirement.

I fully understand that loan products and interest rates are subject to eligibility and that I accepted the final terms. My only request to the bank has been for a clear, case-specific explanation regarding:

• Why I was not eligible for the product advertised with "No Foreclosure Charges";
• What factors resulted in a different product being offered to me;
• How the foreclosure charges and lock-in period became applicable in my case; and
• Where and when these distinctions were specifically communicated during the application process.

I have raised these queries through multiple emails and would appreciate a direct, point-wise clarification from the bank through email.

I hope this feedback is taken positively in the interest of transparency and customer communication.

My experience with IDFC First Bank has been extremely disappointing. I have been facing issues with my bike loan closure for the last 8-10 months.

I have visited the bank 8-10 times, but every time am given a new reason and asked to come back later. The bank keeps saying that my RC is not updated, so they cannot issue my NOC. However, despite so many visits, my issue has still not been

resolved.

I have already completed all my loan payments. As a customer, it is very frustrating to make repe

We buy a home loan. Idfc is worst bank. We ask emi date in 5 th. But bankers set emi every month 2nd date.

One of the worst banks to deal with...The loan department team gives you a totally wrong picture and lie about everything.request all to not get associated with this bank they keep everything hidden and after you sign the agreement you are in for a shock.This bank is the worst bank to deal with.please refrain from taking any loan from this bank.These people are not ethical.so please don't get associated with HDFC

idfc first bank loan recover member is bulshit 😡😤rood bhave bad language use 😡 torcher 😤
091086 34077 shi is soooo in bhavement i cant handle this

BAD CUSTOMER SERVICE!!!

They give you huge credit limit sanction the amount to be used and revoke the credit card without any intimation. Thought you pay the bills correctly this will happen ! Please do not accept the credit card from this bank they are scammers , they took annual one time fee for the card and within 2 months they cancelled the card !!

Taken a durable loan and repayment by was through bank ecs. Yesterday I received an SMS from idfc bank stating that emi can be repaid through a bank link. After online repayment also, the idfc bank accounts are not updated. It takes 48 hours to update your loan repayment to reflect in the loan account. Because of this time lapse, even ecs is accessed in.my bank account and due to insufficient funds ,my bank charges me. This financial loss is primarily due to failure of the idfc banking system to instantly update their accounts. I contacted the idfc bank customer care and they have no proper answer to our queries, while we the customer, bears the brunt because of the bank's inefficient system .

I am niranjan yadav , my firm name Asian courier and cargo . I am running this account last 4 year. Shalini and gitansh call me regarding loan . Thay told me 12.50 reducing interest per year and time duration one year only .they told me 91000 per month emi for one year. I agree with that .But now 15.75 per annual and time 36 month . That was fraud with me .we are requesting close my loan . But gitansh did misgide with me . Now I have to close my all accounts. Our family are running 8 account in idfc this time .

I had open current account in idfc bank the account got freezed in just couple of days .the bank had not a valid reason for freezing my account it almost 40 days the account still not active the staff answer very poor unethical it at back end and waiting.