IDBI Bank Personal Loan in Chennai
Last Updated : Aug. 30, 2018, 3:44 p.m.
About IDBI Bank Personal Loan Chennai
A person in Chennai can avail an IDBI Bank’s personal loan for taking care of his/her financial needs. A personal loan proves to be very beneficial whenever any personal need arises. Whether it is a marriage in family, educational expenses, renovation of house or travel abroad, a personal loan offered by IDBI Bank is sufficient enough to take care of the situation. The bank has opened up several branches in the capital of Tamil Nadu. The person can take maximum benefits of the low-interest rates offered by the bank.
Apply Personal Loan @ 10.75%* Rate
IDBI Bank Personal Loan Chennai at a glance
The essential details about the product offered by IDBI Bank have been given below.
Particular | Details |
---|---|
Interest Rate | 10.50% - 13.25% |
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 Chennai
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 Chennai
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
In case you want more information, you can refer to Personal Loan Chennai .
Address of IDBI Bank branches in Chennai
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 | |||
---|---|---|---|---|---|---|---|
Greams Road | P.M. Towers 37, Greams Road | IBKL0000005 | 600259002 | 044-8292371-373 | |||
Alwarpet | Sona Building, 37, C.p. Ramaswamy Road, Alwarpet, | IBKL0000022 | 600259003 | 044-4661204, 24988419 | |||
N M Road | Nelson Tower, New No - 91 Nelson Manickam Road | IBKL0000045 | 600259004 | 044-3745802/03 | |||
Chennai - Main Branch | IDBI Complex, Near Lal Bungalow off C G Road | IBKL0000129 | 600259006 | 044-22355201-16 | |||
T . Nagar | 1ST Floor, Devi Arihant, 24/2, Old No 16, Dr Nair Road T.nagar Chennai, Tamil NADU 600017 | IBKL0000194 | 600259008 | 044-42605020/40 | |||
Kilpauk | Ground & First Floor, Pattery Balfour Road, Kellys, Kilpauk, Chennai Tamilnadu – 600010 | IBKL0000287 | 600259012 | 044 - 2644 8435/23/24/25 | |||
Mogappair | Plot No. 12/18, Seethakathi Road, Mogappair East, Chennai - 600037 | IBKL0000300 | 600259015 | 4426567637 | |||
Nungambakkam | 102/103, First Floor, Prestige Point, No. 33 Haddows Road, Nungambakkam, Chennai., Pincode - 6000006 | IBKL0000630 | 600259010 | 044-2825811628258110 | |||
Retails Assets Center, Chennai | Murugesa Naicker Office Complex, Iii Floor , 68, Greams Road, Chennai - 600006, Tamil Nadu | IBKL0000814 | 600259009 | 044-28299653, 9690 | |||
OTA Extn Counter | O T A, St. Thomas Mount, Chennai - 600016 | IBKL0000904 | 600259005 | 044-22341676 /22341685 | |||
SKPas College Extn Counter | Sri Kanyaka Parameswari Arts & Science College For Women, No. 1, Audiappa Naicken Street, Chennai - 600001 | IBKL0000907 | 600259007 | 044-25394929 / 39 | |||
RPU Chennai | Murugesa Naicker Complex, 3rd Floor, 68, Greams Road, Chennai 600006 | IBKL0000993 | 600259000 | 044-8295158, 59 & 60 | |||
Tambaram | NO.4, Duraiswamy Reddy Street, West Tambaram, Chennai 600045 | IBKL0000370 | 600259017 | 044-22266844 | |||
Currency Chest, Chennai | Khivraj Complex 1, Ground Floor , 480 Anna Salai, Nandanam, Chennai - 600035 | IBKL0000976 | NON-MICR | 9445258628 | |||
Velachery | 51 B, Velachery Main Road, Velachery, Chennai - 600 042 | IBKL0000736 | 600259020 | 9940102244 |
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