IDBI Bank Personal Loan in Ghaziabad

About IDBI Bank Personal Loan Ghaziabad

IDBI Bank provides people in the city of Ghaziabad a personal loan product at an affordable rate of interest. The bank gives the product to all eligible self-employed professionals, businessmen and salaried employees based in the city. Even pensioners can apply for an IDBI Bank Personal Loan. The bank has opened about ten branches here in Ghaziabad. It offers a flexible repayment tenure to the customers.

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IDBI Bank Personal Loan Ghaziabad at a glance

The essential details about the product offered by IDBI Bank have been given below.

ParticularDetails
Interest Rate12.00% - 14.00%
AmountMinimum- ₹50,000
Maximum- ₹ 10 lakh
TenureUp to 5 years
Processing Fees2% of the sanctioned loan amount
Prepayment FeesNo 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 Ghaziabad

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 Ghaziabad

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

For more details, have a look at Personal Loan Ghaziabad.

Address of IDBI Bank branches in Ghaziabad

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 NameAddressIFSC CodeMICR Contact Details   
GhaziabadSudesh Plaza, C - 78, Rajnagar Dist Centre, Raj Nagar, GhaziabadIBKL0000066NON-MICR0120-2755409 / 2755410 / 2755411 / 2755412, 2753000, 3211161
Vaishali (Ghaziabad)Ground Floor, Mahalaxmi Plaza, Plot No .v/c2., Sector Iii, Adjoining Ansal Plaza, Vaishali, Ghaziabad - 201010IBKL00001781102590200120-4118195/96/97
G T Road - Ghaziabad II2 - 3, Amar Enclave, East Model Town, G T Road, Ghaziabad, 201001IBKL00002791102590310120-2700830, 2700798, 2700867
IndirapuramG - 1 & F - 1, The Hub At Windsor Park 5, Vaibhav Khand , Indirapuram Ghaziabad - 201010IBKL00008731102590449910392267
SCB - GhaziabadPacific Business Park, Dr. Burman Marg, Plot No. 37/1, Site Iv Sahibabad Industrial Area Ghaziabad: 201010IBKL0001083NON-MICR9968656326
Lohia NagarC1 Lohia Nagar Ghaziabad Uttar Pradesh Pin 201001IBKL0001121NON-MICR120-2701121
RAC - IndirapuramIDBI Bank (RAC), 1st.floor, Windsor Park, 5 Vaibhav Khand, Indirapuram, Ghaziabad - 201010 , UP.IBKL0008007NON-MICR9990902313
Zila Sahkari Bank Ltd GhaziabadRDC A-20 Raj Nagar Ghaziabad Uttar Pradesh 201002IBKL0066ZSB1100942860120-2824884
VasundharaShree Ram Business Centre, Plot No-ins-12, Sector-9, VasundharaIBKL00019901102590862882056

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