IDBI Bank Home Loan Guwahati - IFSC, Rates March 2024, Eligibility, EMI

IDBI Bank Home Loan in Guwahati

About IDBI Bank Home Loan in Guwahati

To serve the citizens of the country, IDBI Bank has proposed several banking products. It helps the people by providing them the unique solution for their problem. It caters the requirement of home buyers by giving them the home loan through which they can arrange the funds for purchasing or constructing their house.

IDBI Bank Home Loan in Guwahati at a Glance

Interest Rate 8.80% - 12.25%
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 Guwahati

Address of IDBI Bank Branches in Guwahati

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

Branch NameAddressIFSC CodeMICR 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, 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

  • Home Loan Interest Rates March 2024
    Axis Bank8.75% - 9.15%
    Bank of Baroda8.50% - 10.60%
    Citibank8.75% - 9.15%
    HDFC8.50% - 9.40%
    ICICI Bank9.00% - 9.85%
    Indiabulls Housing Finance Limited8.65%
    Kotak Bank8.70%
    LIC Housing8.50% - 10.50%
    Piramal Capital & Housing Finance10.50%
    PNB Housing Finance8.50% - 10.95%
    Reliance Home Finance8.75% - 14.00%
    State Bank of India/SBI9.10% - 9.65%
    Tata Capital8.95% - 12.00%