IDBI Bank Home Loan in Ghaziabad

About IDBI Bank Home Loan in Ghaziabad

Home purchase or construction involves many crucial decision makings. One among them is to select the lender. With so many banks in the market, it is difficult to pick the one. In order to grab the best deal, you have to check the eligibility and compare the rates offered by several banks. Therefore, to ease your difficulty the details of IDBI Bank home loan are mentioned below.

IDBI Bank Home Loan in Ghaziabad at a Glance

ParticularsDetails
Interest Rate 8.60% - 8.90%
Loan amount₹ 5 lakhs to ₹ 10 Crores
TenureSalaried - 30 years
Self Employed Professional/ Non-Professionals - 20 years
Processing feeAs per bank's norm
Pre- payment chargesAs per bank's norm

Eligibility Criteria

The IDBI Bank provides home loan after evaluating individual’s profile. It has set certain criteria to determine the suitability. The home loan can be availed by:
(1) Salaried individuals who have at the time of loan application attended the age of 22 years. The maximum age at the termination of loan should not be more than 70 years subject to establishment of satisfactory repayment.

(2) Self Employed Professionals (viz.doctors, engineers, dentists, architects, chartered accountants, management consultant, company secretary, etc) who have attended the age of 25 years at the time of application and maximum age at the time of termination of loan should not be above 70 years.

(3) Self Employed Non-Professionals (Businessmen) who have attended the age of 25 years at the time of application and maximum age at the termination of loan should not be above 65 years. Maximum age under the category may be relaxed subjected to availability of proper succession plan of the business.

Documents Required

In order to avail the benefit of home loan, the individual needs to submit the following documents:

  • Signed application form with photograph
  • ID Proof- PAN Card/ Voter ID/Passport/Driving License, photograph
  • Residence proof – Latest Telephone Bill/ Electricity Bill/ Property Tax Receipt/ Passport/ Voter ID
  • Income Proof – Form 16/ITR (for salaried individuals) & Last 3 years Income Tax returns (self and business), Last 3 years Profit /Loss and Balance Sheet (for Self-Employed)
  • Last 6 months bank statement
  • Last 3 months salary slips
  • Processing fee cheque
  • Education Qualifications Certificate and Proof of business existence (for Self-Employed Professionals)
  • Proof of business existence and Business Profile (for Self-Employed Non-Professionals)

To know more, refer Home Loan Ghaziabad

Address of IDBI Bank Branches in Ghaziabad

The complete address, IFSC Code, MICR Code and customer care details of IDBI Bank branches located in Ghaziabad is mentioned in the table below:

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

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