IDBI Bank Home Loan in Lucknow

About IDBI Bank Home Loan in Lucknow

IDBI Bank is the Indian bank that provides a home loan to the customers aspiring to purchase a house. It offers loan for the flexible loan tenure. The loan amount disbursed by the bank depends on the individual’s repayment capacity and requirement. However, the bank grants loan for the amount ranging from ₹ 5 lakhs to ₹10 Crores. Check the details provided below.

IDBI Bank Home Loan in Lucknow at a Glance

ParticularsDetails
Interest Rate 8.65% - 8.95%
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 Lucknow

Address of IDBI Bank Branches in Lucknow

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

Branch NameAddressIFSC CodeMICR Contact Details
LucknowDhan Complex 15, Ashoka MargIBKL00000152262590010522-287104/105/259
Alambagh - Lucknow565K/183, Sneh Nagar Alambagh, Kanpur Road, Lucknow, Uttar Pradesh 226005IBKL00002762262590010522-4076445
Indira Nagar - LucknowJ.C. Complex, Faizabad Road, Indira Nagar (nr Arora Auto Centre), Lucknow, 2260016IBKL00002772262590010522-2355578
Gomti Nagar - Lucknow5/34 Vishal Khand , Capt Manoj Pandey Crossing , Gomti Nagar, Lucknow, Uttar Pradesh, 226010IBKL00003142262590010522-6567771
BarabankiAdjacent To Allahabad Bank, Naka Satrikh Barabanki - 225001IBKL000031522525900205248-223331
Lucknow Chowk ECLIC Of India, Khun Khunji Road, Chowk, LucknowIBKL00009092262590010522-2258616/17, 2258181, 3958787
Retail Assets - LucknowIDBI Bank(RAC), 3RD.Floor, Kishan Sahakari Bhavan, Mg Road, Hazratganj, Lucknow - 226001, UPIBKL0000824NON-MICR9794970707
CCU Lucknow3RD FLOOR, Kisan Sahkari Bhawan, 2 M G Marg, Hazratganj, Lucknow - 226001IBKL0000940NON-MICR0522-6052314
Kalli Paschim LucknowRadhey Krishna Building, Raebareli Road, Kalli Paschim, Lucknow-226025IBKL00011762262590089415091177 9565533525
Uttar Pradesh Co-operative Bank Ltd.Uttar Pradesh Co-operative Bank Ltd., Main Branch, Kisan Sahkari Bhawan, 2 M G Road, Lucknow - 226001IBKL0015UPC2261850029125110001 / 05222610209
Aminabad173/29, Dr.B.N Verma Road, Aminabad, LucknowIBKL00012642262590108004923264
Nagrik Sahkari Bank Ltd.C 13 / 112, Rajajipuram, LucknowIBKL0015NSB2261852729415674915

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