IDBI Bank Home Loan Kolkata - Rates February 2024, Eligibility, IFSC, EMI

IDBI Bank Home Loan in Kolkata

About IDBI Bank Home Loan in Kolkata

IDBI Bank is an Indian government-owned financial service company that proffers multiple banking product and services to resolve the banking problems of its customers. The bank grants multiple facilities and one among them is home loan. It issues the loan to the candidates who wish to purchase or construct their house. To avail the loan from the bank the customer has to fill the application form and submit the necessary documents.

IDBI Bank Home Loan in Kolkata 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 Kolkata

Address of IDBI Bank Branches in Kolkata

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

Branch NameAddressIFSC CodeMICR Contact Details
Park StreetSiddha Point, Ground Floor, 101, Park Street,IBKL0000012700259002033-2175040/03/08
Brabourne Road17, Brabourne Road, Mookerjee House,IBKL0000060700259003033-2437964
KhardahPurbasha Kalyan Nagar, Village Panshila, P.s. Khardah. 24 Parganas (n), West BengalIBKL0000061700259004033 5686253-56
GariahatMaratha Chambers, Gr Floor, Sector 25(sdc3), Street Bhel Chowk Rd, Near Grahak Bhandar,IBKL0000086700259006020-4113500, 4113400
Dum DumRK Electrical Works Door No 43 - 1 - 28, Main RoadIBKL0000092700259007033 2374185
Kolkata - Main BranchG S RoadIBKL0000135700259008(0361)2599026
Salt Lake - KolkataManagement House, Salt Lake Electronics Complex , Block - Ep & Gp, Sector - V, Kolkata - 700091IBKL0000184700259009033-65506612
Girish Park (kolkata)Meridian Plaza, 207 & 209 Chittaranjan Avenue, Kolkata - 700006IBKL0000196700259010033-64507001
Shyambazar55, RAJA Dinendra Street, Kolkata - 700004IBKL00002627002590139831443505
Kankurgachi252 City Road, Scheme Vi M, Ground Floor, Kolkata - 700054IBKL00002637002590129831181611
RPU East (CCU Kolkata)6, Royd Street, Kolkata - 700006IBKL00009977002590019830227791
NarendrapurSarat Apartment, 209, N S Bose Road, Narendrapur, Kol - 103IBKL00004197002590199836490444/033-24287320
Sinthirmore277/2/1 B.T. Road, Sinthi More, Kolkata - 700036IBKL00003997002590183325468442
KrishnapurBD - 53, Rabindrapally, Kolkata - 700101.IBKL00007027002590229830927027
Serampore74, R.B.Sarani, Hooghly, Pin - 712201IBKL00010237002590259830380881
RAC II - KolkataIDBI Bank Ltd , 17 Mukherjee House , 3rd Floor , Brabourne Road , Kolkata 700001IBKL0000815NON-MICR9830244460
RAC Kestopur1st Floor, Ac - 32, Bidisha Apartment, Prafulla Kanan, Krishnapur, Kolkata - 700101IBKL0008015NON-MICR033-64992793
RAC I - KolkataIDBI House, 2nd Floor, 44 Shakespeare Sarani, Kolkata 700017IBKL0000835NON-MICR033-66338855
CCU-KolkataAbhilasha Annex , 6, Royd Street, 2nd Floor, Kolkata-700016IBKL0000948700259001033-22274321

  • Home Loan Interest Rates February 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%