IDBI Bank Guwahati

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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 AddressIFSC Code MICR Contact Details   
The Gauhati Co Operative Urban Bank LtdBaidyanath Bhawan, Kc Road, Chatribari, Guwahati - 781001IBKL0115GCU7811130020361-2544055
Guwahati (Pan Bazar)SHOP NO.3 TO 7, Royal Heritage Building, Opp.to Basant Bahar Theater, Assembly Road,IBKL00001157812590020231-2680681/2/3
Guwahati - Main BranchPanampilly Nagar, Post Bag NO.4253IBKL0000136781259003(0484)2322157
RAC - GuwahatiIDBI Bank , IDBI Building, Rac 4th Floor, G.s Road, Guwahati - 781005IBKL0000844NON-MICR
Six MileIDBI Bank, 1st Floor, Vip Building, Vip Road, Six Mile, Guwahati - 781022IBKL0001123781259004
ChandmariIDBI Bank, 1st Floor, H/no 216, M.r.d.road, Chandmari, Guwahati - 781021IBKL00012077812590059435346959
Central Clearing Unit, GuwahatiIDBI Bank Building, 6th Floor, Nr. Abc Bus Stop, G. S. Road, Guwahati - 781005IBKL00009517812590019085091088, 09706077351
Beltola Branch1ST Floor, 26-kanishka, Dr.b.n Saikia Road, Wireless, Dispur, Guwahati, Assam, PIN:781006IBKL00013297812590060361-2220853/0361-2220854
THE Industrial Co Op Bank LtdS.S.Road, Lakhtokia, Guwahati 781001IBKL0115ICB7811140022541616

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

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
8.30% - 11.30%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 12.49% - 13.49%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

9.90% - 9.95%

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
4.25% - 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 Guwahati 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.

 

 

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