Top Banks 2024
About IDBI Bank
Address of IDBI Bank Branches in Kolkata
Products Offered by the IDBI Bank in Kolkata
Basic details about IDBI Bank products
Documents Required
IDBI Bank Kolkata
Last Updated : Feb. 15, 2017, 11:53 a.m.
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 Name | Address | IFSC Code | MICR | Contact Details |
|---|---|---|---|---|
| Park Street | Siddha Point, Ground Floor, 101, Park Street, | IBKL0000012 | 700259002 | 033-2175040/03/08 |
| Brabourne Road | 17, Brabourne Road, Mookerjee House, | IBKL0000060 | 700259003 | 033-2437964 |
| Khardah | Purbasha Kalyan Nagar, Village Panshila, P.s. Khardah. 24 Parganas (n), West Bengal | IBKL0000061 | 700259004 | 033 5686253-56 |
| Gariahat | Maratha Chambers, Gr Floor, Sector 25(sdc3), Street Bhel Chowk Rd, Near Grahak Bhandar, | IBKL0000086 | 700259006 | 020-4113500, 4113400 |
| Dum Dum | RK Electrical Works Door No 43 - 1 - 28, Main Road | IBKL0000092 | 700259007 | 033 2374185 |
| Kolkata - Main Branch | G S Road | IBKL0000135 | 700259008 | (0361)2599026 |
| Salt Lake - Kolkata | Management House, Salt Lake Electronics Complex , Block - Ep & Gp, Sector - V, Kolkata - 700091 | IBKL0000184 | 700259009 | 033-65506612 |
| Girish Park (kolkata) | Meridian Plaza, 207 & 209 Chittaranjan Avenue, Kolkata - 700006 | IBKL0000196 | 700259010 | 033-64507001 |
| Shyambazar | 55, RAJA Dinendra Street, Kolkata - 700004 | IBKL0000262 | 700259013 | 9831443505 |
| Kankurgachi | 252 City Road, Scheme Vi M, Ground Floor, Kolkata - 700054 | IBKL0000263 | 700259012 | 9831181611 |
| RPU East (CCU Kolkata) | 6, Royd Street, Kolkata - 700006 | IBKL0000997 | 700259001 | 9830227791 |
| Narendrapur | Sarat Apartment, 209, N S Bose Road, Narendrapur, Kol - 103 | IBKL0000419 | 700259019 | 9836490444/033-24287320 |
| Sinthirmore | 277/2/1 B.T. Road, Sinthi More, Kolkata - 700036 | IBKL0000399 | 700259018 | 3325468442 |
| Krishnapur | BD - 53, Rabindrapally, Kolkata - 700101. | IBKL0000702 | 700259022 | 9830927027 |
| Serampore | 74, R.B.Sarani, Hooghly, Pin - 712201 | IBKL0001023 | 700259025 | 9830380881 |
| RAC II - Kolkata | IDBI Bank Ltd , 17 Mukherjee House , 3rd Floor , Brabourne Road , Kolkata 700001 | IBKL0000815 | NON-MICR | 9830244460 |
| RAC Kestopur | 1st Floor, Ac - 32, Bidisha Apartment, Prafulla Kanan, Krishnapur, Kolkata - 700101 | IBKL0008015 | NON-MICR | 033-64992793 |
| RAC I - Kolkata | IDBI House, 2nd Floor, 44 Shakespeare Sarani, Kolkata 700017 | IBKL0000835 | NON-MICR | 033-66338855 |
| CCU-Kolkata | Abhilasha Annex , 6, Royd Street, 2nd Floor, Kolkata-700016 | IBKL0000948 | 700259001 | 033-22274321 |
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
| Product | Eligibility | Loan Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| Home Loan | The 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 amount | Up to 30 years or until attaining age of 70 years |
| Personal Loan | The 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 amount | Up to 5 years |
| Vehicle Loan | Eligible 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% Onwards | Nil | For new vehicles - 7 years |
| Loan Against Property | Existing 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 cases | 10.55% - 14.90% p.a. | 1% of the loan amount | Up to 15 years |
| Education Loan | The 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 amount | Moratorium: course period+ 1 year 0r 6 months after getting the job. Up to 15 years after the completion of moratorium period. |
| Fixed Deposit | Individual Joint (max. 4 people) A guardian on behalf of a minor HUF 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:
| Products | Documents Required | |
|---|---|---|
| Home Loan | Loan 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 Loan | Loan 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. Co-obligation Pronote /Pro-note Covering Letter | |
| Vehicle Loan | 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. 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 Property | Duly 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 Loan | Duly 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 Deposit | Application 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. |