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IDBI Bank Patna

IDBI Bank Patna

Last Updated : Sept. 5, 2018, 3:12 p.m.

About IDBI Bank

IDBI Bank was set up in the year 2004 and is one of the newly formed banks in India. It was changed from the development financing institution to the banking sector. The parent company was set up in the year 1964. The present Company IDBI Bank Ltd is the merger of two company namely IDBI Ltd and United Western bank Ltd. The main aim of the former company was to finance and provide the monetary help to the industrial sector. The company identified the backward areas and promoted the growth in such areas so as to develop the infrastructure and change the lives of the people. It has contributed to the growth of the nation. Since the transformation of the company into the banking sector it has continued to act as a DFI as well as provide a gamut of products to the customer and make them available the best banking solutions.

The objective of the bank is to grow and spread its branches internationally. It wants to expand the global reach. The aim of the bank is to serve the different strata of the society so as to enhance their lives. It wants to spread across the nation so that they can adjoin the major part of the population with the banking facilities. The aim of the bank is to create the vibrant, proactive and enthusiastic workforce that can work towards the customer satisfaction in providing the best financial solutions. The bank is continuously striving hard to become the greener bank in India. The main mission of the bank is to become the most preferred and trusted bank which can enhance and enriches the wealth of the customer and shareholder equally.

Address of IDBI Bank Branches in Patna

Branch NameAddressIFSC CodeMICRContact 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

Products Offered by the IDBI Bank in Patna

IDBI Bank provides all kind of products and services to the people and company in the city. The products include the personal loan, education loan, home loan, fixed deposit, loan against property. You can avail any product as per your requirements and fulfill your financial need. The bank has designed its product keeping the demands of people of Patna in mind. The city has given good customer base to the bank and in return, they have provided the best banking facilities and experience to the people of Patna. It also gives the other facilities such as the investment options, capital money, and mutual fund etc.

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 lakh10.50% - 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 Patna 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.

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