IDBI Bank Home Loan in Patna
Last Updated : May 5, 2018, 2:15 p.m.
About IDBI Bank Home Loan in Patna
To have a house of own is like to have your own world. And to create this world huge amount is required. IDBI Bank makes it possible for the people to have this comfort by providing the home loan. The bank disburses the loan for the amount ranging from ₹5 lakhs to ₹10 crores. The loan is available for the flexible repayment tenure of up to 30 years in the case of salaried individuals. However, for self-employed, the loan term is restricted to 20 years.
IDBI Bank Home Loan in Patna at a Glance
Particulars | Details |
---|---|
Interest Rate | 8.80% - 12.25% |
Loan amount | ₹ 5 lakhs to ₹ 10 Crores |
Tenure | Salaried - 30 years Self Employed Professional/ Non-Professionals - 20 years |
Processing fee | As per bank's norm |
Pre- payment charges | As 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 Patna
Address of IDBI Bank Branches in Patna
The complete address, IFSC Code, MICR Code and customer care details of IDBI Bank branches located in Patna is mentioned in the table below:
Branch Name | Address | IFSC Code | MICR | Contact Details |
---|---|---|---|---|
Patna | Kashi Place Complex, Dak Bunglow Road, Opp Heera Palace, Patna | IBKL0000065 | 800259002 | 0612-2204160 / 147 |
Patna - Main Branch | Virendra Smriti, 2nd Floor, 15/54 - B Civil Lines | IBKL0000140 | 800259003 | 2305437/428 |
Danapur | R J Complex, Main Road, Thana More, Danapur - 801503 | IBKL0000781 | 800259004 | 9835550500 |
Retail Asset Centre - Patna | Retail Asset Centre, Uma Complex, Fraser Road, Patna - 800001 | IBKL0000848 | NON-MICR | 0612-6500543 / 08083991992 |
Kankarbagh | IDBI Bank, A-29, Patna Yoga Vidyalaya, Kankarbagh Colony, Patna-800020 | IBKL0001020 | 800259006 | |
Ashiana Nagar | IDBI Bank Ltd.m.s. Smriti Complex Opp. Central Revenue Colony Ashiana Nagar, Patna-800025 | IBKL0001125 | 800259005 | |
Amhara | IDBI Bank, Near Iit Gate, Amhara, Bihar Pin-801118 | IBKL0001179 | 800259008 | 9199212585 |
Bhusaula Danapur | IDBI Bank, Nr-shiv Mandir Aiims, Bhusaula Danapur, Patna, Pin-801505 | IBKL0001193 | 800259007 | 0612-2452030 |
Patna city | Laxmi Commercial Complex, Gujari Bazar, Patna city, Patna-800008 | IBKL0001249 | 800259009 | 2630259 |
Main Branch | Vill- Champapur, Po- Ghoswari, Bakhtiyarpur, District- Patna, Pin-803212 | IBKL0001351 | 803259302 | 0612-6540328 |
Anisabad | SI Tower, Anisabad Golambar, Above Dominos Pizza, Pin-800002 | IBKL0002078 | 800259014 | 9669628396 |
Maranchi Branch | N.H-80, Vill+po- Maranchi Dist- Patna Pin- 803301 Bihar | IBKL0001353 | 803259103 | 8084638740 / 7352188111 |
Kurthaur | Shobhnath Palace National Highway-83 Post-kurthaul District - Patna , Bihar Pin: 804453 | IBKL0001373 | NON-MICR | 7654311888 |
Patliputra Central Cooperative Bank Ltd. | Madan Hari Bhawan S. P. Verma Road, Patna-800001 | IBKL0140PCC | 800213001 | 0612-2231992/2203937 |
Khagaria | Ripro Complex, Mohallah-baluwahi, M.g.road, District-khagaria, Khagaria-851 204. | IBKL0001536 | IBKL0001536 | 223200 |
Saguna More | 1ST Floor, Jitendra Complex, Saguna More Chouraha, Danapur, Patna, 801503 | IBKL0001866 | 800259010 | 9576112000 |
Dhanaut | Jagdeopath, Phulwari Road, Near Anjani Complex, Patna Bihar -800014 | IBKL0002017 | 800259011 | 9304112868 |
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