IDBI Bank Home Loan in Patna

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

ParticularsDetails
Interest Rate 8.50% - 8.80%
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 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 NameAddressIFSC CodeMICR Contact Details
PatnaKashi Place Complex, Dak Bunglow Road, Opp Heera Palace, PatnaIBKL00000658002590020612-2204160 / 147
Patna - Main BranchVirendra Smriti, 2nd Floor, 15/54 - B Civil LinesIBKL00001408002590032305437/428
DanapurR J Complex, Main Road, Thana More, Danapur - 801503IBKL00007818002590049835550500
Retail Asset Centre - PatnaRetail Asset Centre, Uma Complex, Fraser Road, Patna - 800001IBKL0000848NON-MICR0612-6500543 / 08083991992
KankarbaghIDBI Bank, A-29, Patna Yoga Vidyalaya, Kankarbagh Colony, Patna-800020IBKL0001020800259006
Ashiana NagarIDBI Bank Ltd.m.s. Smriti Complex Opp. Central Revenue Colony Ashiana Nagar, Patna-800025IBKL0001125800259005
AmharaIDBI Bank, Near Iit Gate, Amhara, Bihar Pin-801118IBKL00011798002590089199212585
Bhusaula DanapurIDBI Bank, Nr-shiv Mandir Aiims, Bhusaula Danapur, Patna, Pin-801505IBKL00011938002590070612-2452030
Patna cityLaxmi Commercial Complex, Gujari Bazar, Patna city, Patna-800008IBKL00012498002590092630259
Main BranchVill- Champapur, Po- Ghoswari, Bakhtiyarpur, District- Patna, Pin-803212IBKL00013518032593020612-6540328
AnisabadSI Tower, Anisabad Golambar, Above Dominos Pizza, Pin-800002IBKL00020788002590149669628396
Maranchi BranchN.H-80, Vill+po- Maranchi Dist- Patna Pin- 803301 BiharIBKL00013538032591038084638740 / 7352188111
KurthaurShobhnath Palace National Highway-83 Post-kurthaul District - Patna , Bihar Pin: 804453IBKL0001373NON-MICR7654311888
Patliputra Central Cooperative Bank Ltd.Madan Hari Bhawan S. P. Verma Road, Patna-800001IBKL0140PCC8002130010612-2231992/2203937
KhagariaRipro Complex, Mohallah-baluwahi, M.g.road, District-khagaria, Khagaria-851 204.IBKL0001536IBKL0001536223200
Saguna More1ST Floor, Jitendra Complex, Saguna More Chouraha, Danapur, Patna, 801503IBKL00018668002590109576112000
DhanautJagdeopath, Phulwari Road, Near Anjani Complex, Patna Bihar -800014IBKL00020178002590119304112868

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