IDBI Bank Agra

Banks238 views

About IDBI Bank

IDBI Bank is one of the largest commercial banks in India. The bank was previously established in the year 1964 as the Development Financial Institution to play a key role in the overall financial development. In the year 2004, the Financial institution was converted into the full-time banking company. As the development financial institution, the IDBI Ltd. was meant to promote the project financing and develop the identified backward areas and promote the commerce in the areas for the overall development.

As a banking company and after the merger with the United Western  Bank Ltd. the newly formed IDBI Bank became one of the largest commercial banks with majority Government shareholding and is now accessible to many people in the country. The bank is providing the platform to every citizen to come and enjoy the banking facilities. IDBI Bank is committed to be the most preferred bank in India through its innovative banking services and customized financial solutions. The main aim of the bank is to be at the apex and enhance the wealth and value of the customer and stakeholders. They focus on the customer satisfaction through their dedicated workforce which provides excellent services and financial solutions to the customers. With the help of their dynamic workforce and use of the modern technology, the bank is expanding its global presence.

Address of IDBI Bank Branches in Agra

Branch NameAddressIFSC CodeMICR Contact Details   
Taj ganjRaghu Shopping Arcade Mg.roadIBKL00000802822590020562-526700, 5267034
Retail Asset Center - AgraIDBI Bank Ltd, Ugf Mughal Apartment Fatehabad Road , AgraIBKL00003032822590039997014843
Agra - Kamla NagarPlot No - 30/80 - B, Mughal Apartment, Opp.itc Mughal Sheraton, Fatehabad Road, Agra - 282002, UP.IBKL0000836NON-MICR9634893708
The Radhasoami Urban Cooperative Bank LtdIDBI Bank Ltd. D-73, Ground Floor, Near Shree Ram Mandir Chowk, Kamla Nagar, Agra - 282002IBKL00013182822590049760058353
The New Agra Urban Co-operative Bank Ltd6/7 Bank Compound, Dayal Bagh, Agra - 282005IBKL0080RUC2820241020562-257006 & 93191341

Products Offered by the IDBI Bank in Agra

IDBI bank offers the world class services and the products. The bank provides all types of products like the home loan, personal loan, Auto loan, loan against property etc. The bank tries to enrich the funds of its customer and gives them all the possible financial solutions. It also provides the fixed deposit scheme so as to increase the savings of the customer.You can avail all types of products from the bank and meet your requirements to fulfill the monetary needs.

Basic details about IDBI Bank products

ProductEligibilityLoan AmountInterest RateProcessing FeeTenure
Home LoanThe age of the applicant should be between 18 - 65 years

Salaried individuals with minimum 3 years experience

Business concerns, professionals and self-employed individuals working in the line of business/ profession for at least 3 years
For salaried Individuals - Up to 4 years gross salary
Self-Employed Individuals & Business person- Up to 4 years gross annual income

For repairs & renovations - Up to ₹ 15 lacs
8.60% - 8.90%0.50% of the loan amountUp to 30 years or until attaining age of 70 years
Personal LoanThe age of the applicant should be between 21 - 65 years.


Permanent employees of reputed PSUs and Joint Stock Companies
Confirmed Central / State Government officials
Lecturers / Asst. Professors / Professors of Colleges / Research Institutions and Universities

The salary account of the employee should be maintained with the branch
The minimum net salary should not be less than ₹ 20,000 per month or minimum net annual income of ₹1,80,000 per annum for the salaried Individual
For the self- employed the minimum annual average balance should be ₹ 25,000 per month and minimum annual business income should be ₹ 2,40,000 per annum for last 2 years.
Minimum of ₹50,000 Up to maximum of ₹ 10 lakh 12.00% - 14.00%2% of the loan amountUp to 5 years
Vehicle LoanEligible Segments - Individuals, professionals, reputed firms and companies

The age of the applicant should be between 18- 60 years.

Minimum annual gross salary of the individuals should ₹ 1.80 lacs

Should have minimum work experience of 2 years.
New Car - No maximum limit

Used Car - 75% of the agreed value
9.95% - 12.05%NilFor new vehicles - 7 years
Loan Against PropertyExisting customers having satisfactory dealing with the bank

New customers with healthy credit history
Up to 50% of the property value or up to ₹ 10 crores and more than ₹ 10 cr depends on individual cases10.55% - 14.90% p.a.1% of the loan amountUp to 15 years
Education LoanThe student should be the resident of India.


Should have secured the admission through entrance exam/ merit based selection.


The student should have the guarantor/ collateral.
For India:up to₹20 lakh
For abroad: ₹ 30 lakh or 100% of the total cost of programme.
17.70%- 18.45% p.a.1% of the loan amountMoratorium: course period+ 1 year 0r 6 months after getting the job.
Up to 15 years after the completion of moratorium period.
Fixed DepositIndividual
Joint (max. 4 people)
A guardian on behalf of a minor
HUF
Partnership Firm
A company
Association or any other Institution
Minimum - ₹ 1,000
Maximum - No predetermined limit
5.75% - 7.25%15 days - 10 years

7 days - 14 days only on single deposit of ₹ 5 lakhs & above

Documents Required

The documents required by IDBI Bank Agra for the different products are mentioned in the table below

ProductsDocuments Required 
Home LoanLoan Application with 2 passport size photos of applicant / guarantor
Identity proof- Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Residence proof- Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Processing fee cheque
Detailed cost estimate/valuation report from Bank's Panel Chartered Engineer/Architect
Allotment letter of Co-operative Housing Society/ Apartment Owners' Association/Housing Board/NOC from the Society/Association/Builders/Housing Board
Legal Scrutiny Report, EC for the past 13 years, Property Tax paid receipt, Khata and permission for mortgage, wherever necessary
Salary Certificate and Form No.16 (in case of salaried persons)
IT Returns filed for the past three years (in case of non-salaried persons)
A brief note on the nature of business, year of establishment, type of organization, etc., (in case of self-employed)
Balance Sheet and P&L Account for the past three years (in case of self-employed)
Personal LoanLoan Application with 2 copies of passport size photographs
Proof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Latest Salary Certificate and Form No.16 / ITR/ITAO for last 3 years.
Co-obligation
Pronote /Pro-note Covering Letter
Vehicle LoanProof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Proof of Income: Latest 2 months salary slip with form 16 Audited balance sheet, and the latest 2 years IT returns of the company/ Latest ITR, bank statement reflecting salary credits for last 4 months.
Bank Statement: Income statement, balance sheet and ITR for last 2 years ( for self- employed), Last 6 months bank statement (for salaried individual)
Age Proof: School leaving certificate/ Passport/ Driving Licence/ Election ID Card/ Birth Certificate/ LIC Policy/ PAN Card
Loan Against PropertyDuly filled Loan Application with passport size photographs - 2 copies each
Identity proof- Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Residence proof- Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Income proof of the applicant and guarantor Income Tax Assessment Order / IT Returns
Last 3 years income tax returns and complete business profile.
Bank Statement- Last 6 months bank statement, Last 3 years Profit/ loss and Balance sheet ( for self- employed professionals)
Processing Fee cheque
Property related documents: All the title related documents along with approved sanctions/ building plans.
Educational LoanDuly filled application with recent photographs.
Proof of residence – Passport/ Utility bill/ Allotment letter.
Date of Birth proof
Certificate of Domicile
Fee particulars from school/ college
Scholarship proof
Study Certificate
Fixed DepositApplication form
Copy of PAN Card / Form 60 or 61 (in case the customer does not have PAN Card)
2 Photographs of Depositor/s
Identity Proof and Address Proof
Any other related documents as applicable to proprietorship concern, Partnership Firm, Company, HUF etc.

People Also Look For

Personal Loan Interest Rates October 2018
Bajaj Finserv10.99% - 16.00%
Fullerton India14.00% - 33.00%
HDFC Bank11.25% - 21.50%
ICICI Bank10.99% - 18.40%
IndusInd Bank10.99% - 16.00%
Kotak Bank10.99% - 20.99%
RBL13.00% - 18.00%
Standard Chartered Bank11.50% - 14.50%
Tata Capital10.99% - 18.00%
Home Loan Interest Rates October 2018
State Bank of India/SBI8.70% - 9.25%
HDFC8.80% - 9.60%
Bank of Baroda8.55% - 9.55%
LIC Housing8.70% - 9.05%
PNB Housing Finance9.00% - 13.00%
ICICI Bank8.85% - 9.10%
Axis Bank8.80% - 9.05%
Citibank8.90% - 9.65%
Indiabulls Housing Finance Limited8.80% - 11.05%
Kotak Bank8.75%
DHFL9.05% - 9.95%
Reliance Home Finance8.75% - 10.00%
EMI Calculator