IDBI Bank Guwahati
Last Updated : Sept. 5, 2018, 3:09 p.m.
About IDBI Bank
IDBI Ltd was formed in the year 1964 as a development financial institution and later in the year 2004 the company was shifted to the banking sector. Previously it was only able to finance the development projects but after the incorporation in the banking sector, the IDBI Ltd was changed into IDBI Bank Ltd. The bank since then has changed its modus operandi and included all the products that a banking company should provide to its customer. The bank has since then tried to reach the different strata of the society. The aim of the bank is to change as many lives as possible and provide everyone with the best possible financial advice. Along with this, they want to continue financing the corporate and business projects.
IDBI Bank has spread its network in all the cities of the country. It has grown rapidly with the help of including the modern technology and robust business planning. The workforce of the bank which is thoroughly professional and proactive have equally contributed to the growth of the bank. The main aim of the bank is to have the customer satisfaction where the customer gets their desired financial solution. The bank wants to be the most preferred and trusted bank of India.
Address of IDBI Bank Branches in Guwahati
| Branch Name | Address | IFSC Code | MICR | Contact Details | |||
|---|---|---|---|---|---|---|---|
| The Gauhati Co Operative Urban Bank Ltd | Baidyanath Bhawan, Kc Road, Chatribari, Guwahati - 781001 | IBKL0115GCU | 781113002 | 0361-2544055 | |||
| Guwahati (Pan Bazar) | SHOP NO.3 TO 7, Royal Heritage Building, Opp.to Basant Bahar Theater, Assembly Road, | IBKL0000115 | 781259002 | 0231-2680681/2/3 | |||
| Guwahati - Main Branch | Panampilly Nagar, Post Bag NO.4253 | IBKL0000136 | 781259003 | (0484)2322157 | |||
| RAC - Guwahati | IDBI Bank , IDBI Building, Rac 4th Floor, G.s Road, Guwahati - 781005 | IBKL0000844 | NON-MICR | ||||
| Six Mile | IDBI Bank, 1st Floor, Vip Building, Vip Road, Six Mile, Guwahati - 781022 | IBKL0001123 | 781259004 | ||||
| Chandmari | IDBI Bank, 1st Floor, H/no 216, M.r.d.road, Chandmari, Guwahati - 781021 | IBKL0001207 | 781259005 | 9435346959 | |||
| Central Clearing Unit, Guwahati | IDBI Bank Building, 6th Floor, Nr. Abc Bus Stop, G. S. Road, Guwahati - 781005 | IBKL0000951 | 781259001 | 9085091088, 09706077351 | |||
| Beltola Branch | 1ST Floor, 26-kanishka, Dr.b.n Saikia Road, Wireless, Dispur, Guwahati, Assam, PIN:781006 | IBKL0001329 | 781259006 | 0361-2220853/0361-2220854 | |||
| THE Industrial Co Op Bank Ltd | S.S.Road, Lakhtokia, Guwahati 781001 | IBKL0115ICB | 781114002 | 2541616 |
Products Offered by the IDBI Bank in Guwahati
IDBI Bank provides all kind of products and services to the people and company in the city. The products include the personal loan, education loan, home loan, fixed deposit, loan against property. You can avail any product as per your requirements and fulfill your financial need. The bank has designed its product keeping the demands of people of Guwahati in mind. The city has given good customer base to the bank and in return, they have provided the best banking facilities to the people of Guwahati.
Basic details about IDBI Bank products
| Product | Eligibility | Loan Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| Home Loan | The 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 | 8.80% - 12.25% | 0.50% of the loan amount | Up to 30 years or until attaining age of 70 years |
| Personal Loan | The 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 | 10.50% - 13.25% | 2% of the loan amount | Up to 5 years |
| Vehicle Loan | Eligible 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% Onwards | Nil | For new vehicles - 7 years |
| Loan Against Property | Existing 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 cases | 10.55% - 14.90% p.a. | 1% of the loan amount | Up to 15 years |
| Education Loan | The 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 amount | Moratorium: course period+ 1 year 0r 6 months after getting the job. Up to 15 years after the completion of moratorium period. |
| Fixed Deposit | Individual 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 | 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 Guwahati for the different products are mentioned in the table below
| Products | Documents Required | |
|---|---|---|
| Home Loan | Loan 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 Loan | Loan 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 Loan | 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. 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 Property | Duly 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 Loan | Duly 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 Deposit | Application 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. |
