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About IDBI Bank Personal Loan Chandigarh
We all have some dreams which we wish to get fulfilled. Some want to visit Disneyland one day while others want to see their children studying in top foreign universities. Some dream of giving their daughter the best wedding gift while others dream of renovating their house. Dreams may be different but they are linked to finance. IDBI bank provides a personal loan to eligible customers in Chandigarh so that they can realize any of the above dreams. The best part is, the loan can be availed at feasible interest rates and can be repaid in the form of monthly EMIs. IDBI bank has opened seven branches in Chandigarh.
IDBI Bank Personal Loan Chandigarh at a glance
The essential details about the product offered by IDBI Bank have been given below.
| Particular | Details |
|---|---|
| Interest Rate | 9.65% - 14.00% |
| Amount | Minimum- ₹50,000 Maximum- ₹ 10 lakh |
| Tenure | Up to 5 years |
| Processing Fees | 2% of the sanctioned loan amount |
| Prepayment Fees | No Prepayment fee is charged after completion of six EMIs 2% of the outstanding loan amount is charged before completion of six months |
Eligibility Criteria for IDBI Bank Personal Loan Chandigarh
The norms of eligibility for a personal loan offered by the bank have been mentioned below. Check them out.
- The age of the applicant should be between 22 – 60 years. This means the applicant should be at least 22 years old when the loan is applied. In case of Pensioners and Family Pensioners, the maximum age is 75 years. This means the loan needs to be fully repaid by the age of 75 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 are eligible to apply for the product offered by IDBI bank.
- 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.
Documents required for IDBI Bank Personal Loan Chandigarh
The list of important documents required for a personal loan offered by IDBI Bank has been given below.
Salaried employees:
- Identity Proof- PAN card/ Voter ID card/ Passport/ Driving License/ Aadhar card ( Laminated, Recent, Legible)
- Two Photographs of passport size
- Proof of Address- Leave and License agreement/ Passport/ Telephone bill/ Water bill/Electricity bill
- Bank statement of the last three months, where the applicant’s salary is being credited
- Salary slips of the previous three months
Self-employed individuals:
- Proof of Address- Leave and License agreement/ Passport/ Telephone bill/ Water bill/Electricity billAge Proof- Birth certificate/ High school marksheet/ Passport
- Bank statement of the previous six months
- Proof of office address
- Identity Proof- PAN card/ Voter ID card/ Passport/ Driving License/ Aadhar card ( Laminated, Recent, Legible)
- Proof of continuity of the business
- Income tax returns of the last three years
- Proof of ownership of office
- Audited Balance Sheet plus Profit & Loss account
Check out Personal Loan Chandigarh for more information.
Address of IDBI Bank branches in Chandigarh
The complete list of IDBI Bank branches in the city has been given here along with the address, contact details and IFSC & MICR codes.
| Branch Name | Address | IFSC Code | MICR | Contact Details | |||
|---|---|---|---|---|---|---|---|
| Chandigarh | Address | IFSC | MICR | Customer Care | |||
| Chandigarh - Main Branch | Sco 55 - 56 - 57, Madhya Marg Sector 8 | IBKL0000003 | 160259001 | 0172-543927/28/50/54 | |||
| Chandigarh | B - 19 - 110/14, Lind Floor, 203 Carnival Shopping Centre, Mall Road | IBKL0000143 | 160259005 | 0172- 2709689, 2722648, 2702976, 2722642 | |||
| CCU, Chandigarh | SCO 119 - 120 Sector 43 B Chandigarh Chandigarh 160022 | IBKL0000272 | 160259009 | 0172 4678894/95/96 | |||
| Retail Asset - Chandigarh | SCO - 119 - 120, Sector - 43/b, Basement, Chandigarh | IBKL0000979 | 160259009 | 9814527191 | |||
| Industrial Area, Chandigarh | IDBI Bank(RAC), SCO - 72 - 73, 3RD. Floor, Sec - 17 B, Banks Square, Chandigarh - 160017 | IBKL0000812 | NON-MICR | 9876028160 | |||
| Sector- D , Chandigarh | Plot No.149, Industrial Area, Phase 1, Chandigarh | IBKL0001799 | NON-MICR | 8556865064 | |||
| Ground floor, Sc-162-163, Sector 9c, Chandigarh | IBKL0002008 | NON-MICR | 0172-5084688 |
