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IDFC First Bank offers competitive personal loan interest rates for salary account holders, typically ranging from 10.49% to 16% per annum. Salary account customers often enjoy preferential rates, faster approval, and minimal documentation requirements. The bank provides pre-approved loan offers with flexible tenure options from 12 to 60 months. Loan amounts can go up to ₹40 lakh, depending on eligibility criteria including income, credit score, and employment stability. IDFC salary account holders benefit from streamlined processing, attractive interest rates, and convenient repayment options.