IDBI Bank Personal Loan in Guwahati

About IDBI Bank Personal Loan Guwahati

IDBI Bank has kept a very good presence in the city of Guwahati as it has opened nine branches here. When it comes to meeting the financial needs of the people of Guwahati, the bank has always led from the front. In case a person in the city need funds for personal needs like marriage, education or renovation of house, he/she can take a personal loan from the bank. IDBI Bank provides the personal loan to every eligible salaried employee and self-employed person in Guwahati at attractive rates of interest.

IDBI Bank Personal Loan Guwahati 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

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Eligibility Criteria for IDBI Bank Personal Loan Guwahati

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 Guwahati

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 additional details, please refer to Personal Loan Guwahati.

Address of IDBI Bank branches in Guwahati

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   
The Gauhati Co Operative Urban Bank LtdBaidyanath Bhawan, Kc Road, Chatribari, Guwahati - 781001IBKL0115GCU7811130020361-2544055
Guwahati (Pan Bazar)SHOP NO.3 TO 7, Royal Heritage Building, Opp.to Basant Bahar Theater, Assembly Road,IBKL00001157812590020231-2680681/2/3
Guwahati - Main BranchPanampilly Nagar, Post Bag NO.4253IBKL0000136781259003(0484)2322157
RAC - GuwahatiIDBI Bank , IDBI Building, Rac 4th Floor, G.s Road, Guwahati - 781005IBKL0000844NON-MICR
Six MileIDBI Bank, 1st Floor, Vip Building, Vip Road, Six Mile, Guwahati - 781022IBKL0001123781259004
ChandmariIDBI Bank, 1st Floor, H/no 216, M.r.d.road, Chandmari, Guwahati - 781021IBKL00012077812590059435346959
Central Clearing Unit, GuwahatiIDBI Bank Building, 6th Floor, Nr. Abc Bus Stop, G. S. Road, Guwahati - 781005IBKL00009517812590019085091088, 09706077351
Beltola Branch1ST Floor, 26-kanishka, Dr.b.n Saikia Road, Wireless, Dispur, Guwahati, Assam, PIN:781006IBKL00013297812590060361-2220853/0361-2220854
THE Industrial Co Op Bank LtdS.S.Road, Lakhtokia, Guwahati 781001IBKL0115ICB7811140022541616

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