IDBI Bank Kolkata - Main Branch Address, Rates February 2024, IFSC Code

IDBI Bank Kolkata

About IDBI Bank

IDBI Bank is one of the new generation banks which was established in the year 2004. It was a development financial institution that that was named as IDBI Ltd and was set up in the year 1964. The aim of the company was to finance the development and corporate projects. it has financed many projects and has set up industries in the backward areas. It has contributed a lot to the development of the infrastructure and nation building. Later it has been changed into the banking sector and acquired all the required product and services to become one of the novices and youngest bank. It works with the help of latest and modern technology to provide the personalized and customized services to its customer.

The aim of the bank is to reach as many lives as possible and serve the different strata of the society. The introduction of the banking facilities in the entire country is one of the vision of the bank. The other vision is to provide the world class services and facility to make the banking experience of the customer smooth and hassle free. The main mission of the bank which they want to achieve through their dedicated work force and cutting edge technology is to become the best and most trusted and preferred bank in India.


Address of IDBI Bank Branches in Kolkata

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

Products Offered by the IDBI Bank in Kolkata

Do you require the best financial kit in Kolkata? IDBI Bank is providing a wide array of banking products and services to see that your financial requirement is fulfilled. The bank provides all the loan products like home loan, personal loan, education loan, loan against property etc. The bank also offers the fixed deposit to increase the savings of the customer who invest in it.

Basic details about IDBI Bank products

ProductEligibilityLoan AmountInterest RateProcessing FeeTenure
Home LoanThe age of the applicant should be between 18 - 65 years

Salaried individuals with minimum 3 years experience

Business concerns, professionals and self-employed individuals working in the line of business/ profession for at least 3 years
For salaried Individuals - Up to 4 years gross salary
Self-Employed Individuals & Business person- Up to 4 years gross annual income

For repairs & renovations - Up to ₹ 15 lacs
8.80% - 12.25%0.50% of the loan amountUp to 30 years or until attaining age of 70 years
Personal LoanThe age of the applicant should be between 21 - 65 years.

Permanent employees of reputed PSUs and Joint Stock Companies
Confirmed Central / State Government officials
Lecturers / Asst. Professors / Professors of Colleges / Research Institutions and Universities

The salary account of the employee should be maintained with the branch
The minimum net salary should not be less than ₹ 20,000 per month or minimum net annual income of ₹1,80,000 per annum for the salaried Individual
For the self- employed the minimum annual average balance should be ₹ 25,000 per month and minimum annual business income should be ₹ 2,40,000 per annum for last 2 years.
Minimum of ₹50,000 Up to maximum of ₹ 10 lakh 10.50% - 13.25%2% of the loan amountUp to 5 years
Vehicle LoanEligible Segments - Individuals, professionals, reputed firms and companies

The age of the applicant should be between 18- 60 years.

Minimum annual gross salary of the individuals should ₹ 1.80 lacs

Should have minimum work experience of 2 years.
New Car - No maximum limit

Used Car - 75% of the agreed value
7.50% OnwardsNilFor new vehicles - 7 years
Loan Against PropertyExisting customers having satisfactory dealing with the bank

New customers with healthy credit history
Up to 50% of the property value or up to ₹ 10 crores and more than ₹ 10 cr depends on individual cases10.55% - 14.90% p.a.1% of the loan amountUp to 15 years
Education LoanThe student should be the resident of India.

Should have secured the admission through entrance exam/ merit based selection.

The student should have the guarantor/ collateral.
For India:up to₹20 lakh
For abroad: ₹ 30 lakh or 100% of the total cost of programme.
17.70%- 18.45% p.a.1% of the loan amountMoratorium: course period+ 1 year 0r 6 months after getting the job.
Up to 15 years after the completion of moratorium period.
Fixed DepositIndividual
Joint (max. 4 people)
A guardian on behalf of a minor
Partnership Firm
A company
Association or any other Institution
Minimum - ₹ 1,000
Maximum - No predetermined limit
2.90% - 5.90%15 days - 10 years

7 days - 14 days only on single deposit of ₹ 5 lakhs & above

Documents Required

The documents required by IDBI Bank Kolkata for the different products are mentioned in the table below:

ProductsDocuments Required
Home LoanLoan Application with 2 passport size photos of applicant / guarantor
Identity proof- Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Residence proof- Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Processing fee cheque
Detailed cost estimate/valuation report from Bank's Panel Chartered Engineer/Architect
Allotment letter of Co-operative Housing Society/ Apartment Owners' Association/Housing Board/NOC from the Society/Association/Builders/Housing Board
Legal Scrutiny Report, EC for the past 13 years, Property Tax paid receipt, Khata and permission for mortgage, wherever necessary
Salary Certificate and Form No.16 (in case of salaried persons)
IT Returns filed for the past three years (in case of non-salaried persons)
A brief note on the nature of business, year of establishment, type of organization, etc., (in case of self-employed)
Balance Sheet and P&L Account for the past three years (in case of self-employed)
Personal LoanLoan Application with 2 copies of passport size photographs
Proof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Latest Salary Certificate and Form No.16 / ITR/ITAO for last 3 years.
Pronote /Pro-note Covering Letter
Vehicle LoanProof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Proof of Income: Latest 2 months salary slip with form 16 Audited balance sheet, and the latest 2 years IT returns of the company/ Latest ITR, bank statement reflecting salary credits for last 4 months.
Bank Statement: Income statement, balance sheet and ITR for last 2 years ( for self- employed), Last 6 months bank statement (for salaried individual)
Age Proof: School leaving certificate/ Passport/ Driving Licence/ Election ID Card/ Birth Certificate/ LIC Policy/ PAN Card
Loan Against PropertyDuly filled Loan Application with passport size photographs - 2 copies each
Identity proof- Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)
Residence proof- Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy.
Income proof of the applicant and guarantor Income Tax Assessment Order / IT Returns
Last 3 years income tax returns and complete business profile.
Bank Statement- Last 6 months bank statement, Last 3 years Profit/ loss and Balance sheet ( for self- employed professionals)
Processing Fee cheque
Property related documents: All the title related documents along with approved sanctions/ building plans.
Educational LoanDuly filled application with recent photographs.
Proof of residence – Passport/ Utility bill/ Allotment letter.
Date of Birth proof
Certificate of Domicile
Fee particulars from school/ college
Scholarship proof
Study Certificate
Fixed DepositApplication form
Copy of PAN Card / Form 60 or 61 (in case the customer does not have PAN Card)
2 Photographs of Depositor/s
Identity Proof and Address Proof
Any other related documents as applicable to proprietorship concern, Partnership Firm, Company, HUF etc.

Personal Loan Interest Rates February 2024
HDFC Bank10.75% - 14.50%
ICICI Bank10.75% - 19.00%
IndusInd Bank10.25% - 26.00%
Kotak Bank10.99%
RBL14.00% - 23.00%
SMFG India Credit12.00% - 24.00%
Standard Chartered Bank11.49%
Tata Capital10.50% - 24.00%
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%