IDFC First Bank — Digital Lending Partnerships & Profile
IDFC FIRST BANK LIMITED. Bank in India's digital lending ecosystem, with 17 tracked digital lending partnerships.
Snapshot
Reading the data
In India's digital lending stack, IDFC First Bank operates as a scheduled commercial bank, rated ICRA AA+ / Stable, listed (NSE), with ₹2.4 lakh Cr in AUM as of 2025-03. Our Market Map tracks 17 digital lending partnerships for IDFC First Bank, including Angel One Limited, ANI Technologies Private Limited and Banayantree Services Limited. Cost of funds runs at 6.1–6.3% as of 2025-03 — the single most important number for judging what partnership economics it can support. Product focus: personal loans, business/MSME loans, home loans, loans against property, vehicle finance across tickets of ₹5K–₹500 Cr and tenures of 1–360 months. Worth knowing: Loans and Advances as AUM proxy. CoF 6.3pct FY25. Full-service scheduled commercial bank.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| Angel One | Angel One Limited | Apple app store |
| Ola Money | ANI Technologies Private Limited | Apple app store |
| ET Money | Banayantree Services Limited | Apple app store |
| Groww Credit | Billionbrains Garage Ventures Limited | Apple app store |
| Cred | Dreamplug Technologies Private Limited | Apple app store |
| INDmoney | Finzoomers Services Private Limited | Apple app store |
| InstaCred by Flexmoney | Flexmoney Technologies Pvt Ltd | Website |
| Flipkart | Flipkart Internet Private Limited | Apple app store |
| Google Pay | Google India Digital Services Private Limited | Apple app store |
| IDFC FIRST BANK | IDFC FIRST BANK Limited | Apple app store |
| ShopSe | Newbazaar Technologies Private Limited | Apple app store |
| NinjaCart | Ninjacart Services Private Limited | Apple app store |
| Paytm | One97 Communications Limited | Apple app store |
| Paisabazaar | PB Fintech | Apple app store |
| PhonePe | PhonePe Lending Services Private Limited | Apple app store |
| SaveIN | Savein Fintech Private Limited | Website |
| IDFC FIRST BANK | IDFC First Bank | Apple app store |
Frequently asked questions
Who are IDFC First Bank's digital lending partners?
IDFC First Bank has 17 digital lending partnerships tracked in the RBI digital lending registry, including Angel One Limited, ANI Technologies Private Limited, Banayantree Services Limited, Billionbrains Garage Ventures Limited.
What is IDFC First Bank's AUM and cost of funds?
IDFC First Bank reports AUM of ₹2.4 lakh Cr (2025-03) and cost of funds of 6.1–6.3%, per public filings and rating documents.
What products does IDFC First Bank offer through digital lending?
IDFC First Bank is active in personal loans, business/MSME loans, home loans, loans against property, vehicle finance, gold loans, microfinance, consumer durable loans, education loans, credit cards, with ticket sizes from ₹5K to ₹500 Cr.
How do I evaluate IDFC First Bank as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether IDFC First Bank fits your model, and compare alternatives on the Market Map.
Does IDFC First Bank fit your lending model?
Answer three questions and see which partners match your product, rate band, and ticket size — IDFC First Bank included.
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Primary source type: Investor-Presentation. Data confidence: High. Batch B2. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.