IDBI Bank Ghaziabad

About IDBI Bank

IDBI bank is one of the leading commercial banks in India. The bank was initially a development financing institution which was set up in 1964. In the year 2004, the company was incorporated in the banking sector and became the commercial bank of India. Previously the aim of the company as IDBI Ltd was to finance the projects and play the key role in building the better infrastructure of India. It financed many small and large projects. Later the IDBI Bank Ltd. incorporated all the product to help the people to get all the banking facilities.

The main aim of the bank is to make its customer happy by providing them the best financial solutions and products. The bank wants to continue work in the ethical, transparent and responsible manner to become a good example of the corporate governance. The bank wants to become one of the greener banks in India. The mission of the bank is to become the most trusted and preferred bank in India. The new age bank uses the modern and latest technology to serve its customer so as to achieve the customer satisfaction and make their banking experience smooth and easy. The bank has focussed to reach the lives of as many people as possible and enhance their wealth.

Address of IDBI Bank Branches in Ghaziabad

Branch NameAddressIFSC CodeMICR Contact Details   
GhaziabadSudesh Plaza, C - 78, Rajnagar Dist Centre, Raj Nagar, GhaziabadIBKL0000066NON-MICR0120-2755409 / 2755410 / 2755411 / 2755412, 2753000, 3211161
Vaishali (Ghaziabad)Ground Floor, Mahalaxmi Plaza, Plot No .v/c2., Sector Iii, Adjoining Ansal Plaza, Vaishali, Ghaziabad - 201010IBKL00001781102590200120-4118195/96/97
G T Road - Ghaziabad II2 - 3, Amar Enclave, East Model Town, G T Road, Ghaziabad, 201001IBKL00002791102590310120-2700830, 2700798, 2700867
IndirapuramG - 1 & F - 1, The Hub At Windsor Park 5, Vaibhav Khand , Indirapuram Ghaziabad - 201010IBKL00008731102590449910392267
SCB - GhaziabadPacific Business Park, Dr. Burman Marg, Plot No. 37/1, Site Iv Sahibabad Industrial Area Ghaziabad: 201010IBKL0001083NON-MICR9968656326
Lohia NagarC1 Lohia Nagar Ghaziabad Uttar Pradesh Pin 201001IBKL0001121NON-MICR120-2701121
RAC - IndirapuramIDBI Bank (RAC), 1st.floor, Windsor Park, 5 Vaibhav Khand, Indirapuram, Ghaziabad - 201010 , UP.IBKL0008007NON-MICR9990902313
Zila Sahkari Bank Ltd GhaziabadRDC A-20 Raj Nagar Ghaziabad Uttar Pradesh 201002IBKL0066ZSB1100942860120-2824884
VasundharaShree Ram Business Centre, Plot No-ins-12, Sector-9, VasundharaIBKL00019901102590862882056

Products Offered by the IDBI Bank in Ghaziabad

There are various types of products that are given by the bank which is designed keeping the needs of the customer in consideration. The bank gives the wide range of loan products like the home loan, car loan, personal loan, loan against the property, education loan etc. The fixed deposit scheme is also the part of their products in which the customer can invest to earn the interest rate on their savings.

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
7.50% - 10.65%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 9.50% - 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
7.50% OnwardsNilFor 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
Partnership Firm
A company
Association or any other Institution
Minimum - ₹ 1,000
Maximum - No predetermined limit
2.90% - 5.90%15 days - 10 years

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

Documents Required

The documents required by IDBI Bank Ghaziabad 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.
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.

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