How to Activate Net Banking in IDFC FIRST Bank – Updated Guide

Key Takeaways

1. You can activate net banking instantly online using your IDFC Customer ID, debit card, and OTP from your registered mobile number.
    
2. Offline activation is simple but takes 2–3 working days; it’s useful when your mobile number or card is not updated.
    
3. IDFC FIRST Net Banking supports fund transfers up to ₹20,00,000 daily via NEFT, RTGS, and IMPS, with full security.
    
4. Services include FD creation, QR setup, tax payment, and downloading bank statements, all done from home using a laptop or phone.

Bonus Point: IDFC FIRST Bank saw a 31% rise in digital users in FY 2024–25, showing that customers of all ages now prefer net banking over branch visits.

Net banking in IDFC FIRST Bank allows customers to manage accounts, transfer funds, and access services securely through an online platform.

Let’s understand it with the help of an example:

Let’s say Ramesh, a freelance photographer in Jaipur, earns ₹70,000 per month. He recently opened a savings account with IDFC FIRST Bank. He had to transfer ₹25,000 to a vendor and pay a ₹1,500 mobile bill, but didn’t want to go to a branch. Instead, he decided to try IDFC FIRST Bank Net Banking. With his Customer ID, mobile number, and debit card, he registered online in 10 minutes. Ramesh was able to transfer the money and pay his bill instantly. Now, he regularly uses net banking to check his ₹5,00,000 FD and download statements for tax purposes.

Online banking is now a daily need, not just a convenience. With IDFC FIRST Bank Net Banking, you can transfer money, pay bills, and check balances anytime. Activation is simple online or offline. All you need is your account number, registered mobile number, and debit card. 

IDFC FIRST Bank Net Banking lets you access your account, pay bills, and transfer funds securely from home. This blog explains how to activate it easily, both online and offline.

This blog guides you through the full process with steps, examples, and helpful tables.

Online Registration Method

If you have a working debit card and a registered mobile number, the online method is the fastest way to activate net banking. Follow these steps to register for IDFC FIRST Bank Net Banking online:

1. Visit the Official Website: Open your browser and go to the official IDFC FIRST Bank website.
    
2. Click on ‘Login’: On the homepage, find the “Login” button at the top-right corner and click it.
    
3. Choose New User Option: On the login screen, click on “Create Username” or “New to Net Banking? Activate Now.”
    
4. Enter Customer ID or Mobile Number: Type in your Customer ID (UCIC) or your registered mobile number, then click “Submit.”
    
5. Verify Your Bank Details: To confirm your identity, enter either your account number or debit card number.
    
6. Enter the OTP: You’ll receive a one-time password (OTP) on your registered mobile number. Enter it to proceed.
    
7. Set Username and Password: Now, create your personalised Net Banking username and set a strong password.
    
8. Activation Complete: Your Net Banking will now be activated. You can log in and start managing your IDFC FIRST Bank account online.

Once completed, you can log in immediately and begin using net banking for fund transfers, bill payments, and more.

Offline Registration Method:

If you are not comfortable using the internet or your mobile number is not updated, you can register for net banking offline. This method is also good for senior citizens or those without an active debit card.

Here are the steps to register for IDFC FIRST Net Banking offline:
 

• Visit the nearest branch: Go to your local IDFC FIRST Bank branch with your ID proof.
   
• Ask for the Net Banking Registration Form: Request the form at the enquiry counter or from a bank officer.
   
• Fill in your details carefully: Include your account number, Customer ID, registered mobile number, and email ID.
   
• Attach a copy of your PAN or Aadhaar: This is for identity verification.
   
• Submit the form to the officer: The bank will process your request and activate net banking in 2–3 working days.

This method is helpful when you face issues with online registration or need staff assistance for setup.

How to Log in for the First Time?

Once your net banking is activated either online or offline, you must log in for the first time to set up your dashboard. This is where you’ll access all services.

The steps below explain the first-time login process clearly:
 

• Go to IDFC Net Banking Login page: Visit https://www.idfcfirstbank.com/personal-banking/ways-to-bank/internet-banking-services
   
• Enter your User ID or Mobile Number: This was created during registration or shared via email/SMS.
   
• Enter your login password: Use the password you created or received.
   
• Change your login password: The system may ask you to change it for better security.
   
• Set up transaction password: This will be used for making fund transfers or bill payments.

After logging in, you can start using all net banking services like checking balances, paying bills, and transferring money safely.

Common Issues During Activation and Their Solutions:

Even with a simple process, some users like Rajiv face trouble while activating net banking. Rajiv tried to register online but didn’t receive the OTP. He had to visit the branch to update his mobile number and restart the process.

Below is a table of common issues and how to fix them easily:

Before reading the table, keep in mind that most errors happen due to incorrect personal details or inactive cards.
 

Fixing these simple problems can help you register successfully and avoid multiple failed attempts.

Services You Can Use on IDFC FIRST Net Banking:

Once activated, IDFC Net Banking gives you access to various services. These are useful for customers like Megha, who pays her ₹7,200 rent, ₹2,000 mobile bills, and monitors her ₹5,00,000 fixed deposit using net banking every month.

Here is a list of the top services offered through IDFC FIRST Net Banking:
 

• Account Balance & Mini Statement: You can check your live account balance and see recent transactions.
   
• Fund Transfers (NEFT, RTGS, IMPS): Send up to ₹10,00,000 daily to any account across India;
   
• Fixed Deposits (FDs): Open, renew or close your FDs online anytime.
   
• Bill Payments: Pay mobile, broadband, electricity, and gas bills from home.
   
• UPI and QR Management: Generate QR codes, set UPI PINs and manage VPA
   
• Cheque Book Requests: Order a cheque book without visiting the bank.
   
• Tax Payments: Pay income tax or TDS online through your net banking portal.

These features make it easy to manage your money securely without long queues or bank visits.

Conclusion

IDFC FIRST Bank Net Banking makes managing your money simple, secure, and quick. Whether it’s ₹1,000 or ₹10,00,000, transfers and bill payments are just a few clicks away. Customers like Ramesh and Neha use it daily without visiting a branch. 

Activate it online with your debit card or offline at a branch. Once active, you gain full control of your finances anytime, anywhere. Start today and enjoy hassle-free digital banking from home.

FAQs

Q1. What do I need to activate net banking in IDFC FIRST Bank?
You need your Customer ID, a registered mobile number, and an active debit card.

Q2. Can I activate IDFC FIRST Net Banking without a debit card?
No, a debit card is required for online activation. You can activate it offline by visiting your branch.

Q3. How long does it take to activate net banking offline?
Offline activation takes 2–3 working days after form submission at the bank.

Q4. What if I forget my IDFC Net Banking password?
Click “Forgot Password” on the login page and follow the steps to reset it using OTP.

Q5. What is the daily fund transfer limit in IDFC FIRST Net Banking?
You can transfer up to ₹10,00,000 per day using NEFT, RTGS, or IMPS.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.