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IDBI Bank

IDBI Bank

Overview

To meet unexpected financial exigencies or come out of high priced Credit Cards funds, you can avail IDBI Bank’s Personal Loan. Be it a marriage in family, renovation of house, meeting urgent educational / hospitalization expenses or travel abroad At times, personal Loan comes handy while arranging for Earnest Money to apply for a Plot / House, or to manage Margin Money funding to avail of a Home Loan / Loan Against Property. 
Personal Loan from IDBI Bank is targeted to the Salaried Individuals and Self Employed Professionals (SEPs)

To meet unexpected financial exigencies or come out of high priced Credit Cards funds, you can avail IDBI Bank’s Personal Loan. Be it a marriage in family, renovation of house, meeting urgent educational / hospitalization expenses or travel abroad At times, personal Loan comes handy while arranging for Earnest Money to apply for a Plot / House, or to manage Margin Money funding to avail of a Home Loan / Loan Against Property. 

Personal Loan from IDBI Bank is targeted to the Salaried Individuals and Self Employed Professionals (SEPs)

 

Loan Feature

Loan Amount Minimum Rs.50,000/- Maximum Rs 10,00,000
Interest Rate 13.25% to 14.25%
Tenure 12 to 60 Months
Pre Payment Charges Nil after 6 months, 2% before 6 months
Service Charges

1% of the loan amount + applicable taxes.

Eligibility Criteria : Personal Loan

  Salaried Self
Age Minimum 22 Years; Maximum age at termination of loan should not be above 60 years or date of retirem Minimum 22 Years; Maximum age at termination of loan should not be above 60 years or date of retirem
Income Based on the classification of cities the minimum net salary ranges from Rs.15,000 to Rs.25,000 Self Employed Professional: Minimum Rs 240,000 per year for last two FY.
Job Experience 6 months in current Job; Total work experience : 24 months Doctors: Total work experience: 48 months Total medicine practice: 24 months ;Professional: Profit m
Residence Proof Either owned or 6 months; Phone ownership : Required Either owned or 12 months; Phone ownership : Required

Docs Required : Personal Loan

  Salaried Self
ID Proof Passport Copy/ Voters ID card/ Driving Licence/PAN Card/Any other valid ID Proof Passport Copy/ Voters ID card/ Driving Licence/PAN Card/Any other valid ID Proof
Address Proof Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate
DOB Proof Birth Certificate or 10th Class Passing Certificate Birth Certificate or 10th Class Passing Certificate
Financial Docs

Salaried (Individuals)

  • Photograph
  • Age proof
  • Signature proof
  • Telephone ownership proof (post-paid mobile bill acceptable)
  • Current employment proof and employment continuity proof
  • Salary slip
  • Latest form 16
  • Bank statement :6 Months
  • Credit card statement or repayment track record
  • Own property proof

>

Self Employed (Doctors / Dentist / Professionals)

  • Photograph
  • Age proof
  • Signature proof
  • Telephone ownership proof (post-paid mobile bill acceptable)
  • Bank statement :Last 6 months
  • Qualification proof
  • Business address proof and business continuity proof

 

Self Employed (Individuals)

  • Photograph
  • Age proof
  • Signature proof
  • Telephone ownership proof (post-paid mobile bill acceptable)
  • Current address and address continuity proof
  • Bank statement: Last 6 Months
  • Credit card statement or repayment track record
  • Own property proof
  • Qualification proof
  • Business address proof and business continuity proof
  • Bank account age proof


Self Employed (Proprietors and Partners)

  • Photograph
  • Age proof
  • Signature proof
  • Telephone ownership proof (post-paid mobile bill acceptable)
  • Current address and address continuity proof
  • Bank statement:
  • Credit card statement or repayment track record Last 6 Months
  • Own property proof
  • Business address proof and business continuity proof
  • Bank account age proof

 

Other Charges : Personal Loan

Forclosure Charges:
 
From the date of disbursement up to 6 months – 2% + applicable taxes.
After 6 months the charges are NIL.

Forclosure Charges:

 From the date of disbursement up to 6 months – 2% + applicable taxes.

After 6 months the charges are NIL.

Products offered by IDBI Bank

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Testimonial

After getting rejected for a home loan by two banks I thought my wish of owning a home in a city like Mumbai will remain a dream. By chance I came to your site and applied for the loan.

What happened then was a smooth process. It's been my good luck to visit your site and get loan for my dream home.

Thanks

- Deepak Gupta

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