IDBI Bank Personal Loan in Gurugram

About IDBI Bank Personal Loan Gurugram

Gurugram, which was earlier known as Gurgaon has several branches of IDBI Bank. The bank gives a personal loan to eligible loan seekers in the city so that they can nurture all their personal dreams. IDBI bank offers attractive rates of interest on a personal loan and gives a longer repayment period to all its customers. The product can be used for meeting any financial requirement related t the renovation of house, marriage, education, surgical operation or travel abroad.

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IDBI Bank Personal Loan Gurugram 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 Gurugram

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 Gurugram

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

Please refer to Personal Loan Gurugram in case you require additional information.

Address of IDBI Bank branches in Gurugram

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   
SikanderpurMehrauli Gurugram Road SikanderpurIBKL00000381102590040124-6357449
Sushant Lok - Gurugram6 - 7 , Orchid Square, Sushant Lok , Phase I, B Block, Gurugram- 122002IBKL00001711102590130124-2578681-82-83
ManesarRaheja Square, Manesar Null, Gurugram, Haryana 122050IBKL00001981102590230124-4366305-8
Subhash Nagar - Gurugram- IIIKataria Complex, New Railway Road, Subhash Nagar, Gurugram– 122001IBKL00002641102590340124-2225723/24/25
Omaxe Mall, GurugramG - 3, Omaxe Plaza, Sohna Road, Gurugram, Haryana - 122001.IBKL00002951102590350124- 2217886/87/9212809252
RAC - GurugramIDBI Bank (RAC), 1ST.Floor, Kataria Complex, New Railway Road, Subhash Nagar, Gurugram - 122001, HaryanaIBKL0000842NON-MICR9910125833
Sector15, GurugramSCO 2, 3 & 4, Old Judicial Complex, Sector 15, GurugramIBKL00011611102590569958322179
Sector 10 A, GurugramIDBI Bank Ltd., Sco 27-28, Sector 10a, Gurugram-122001IBKL00012841102590620124-2372470

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