IDBI Bank Patna
Last Updated : Feb. 15, 2017, 6:24 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 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 |
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
| 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 Patna 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. |