IDBI Bank Personal Loan Kolkata - Rates Dec 2023, Eligibility, EMI, IFSC

IDBI Bank Personal Loan in Kolkata

About IDBI Bank Personal Loan Kolkata

IDBI Bank offers a personal loan to eligible loan applicants in the city of Joy.  The product can be availed by salaried employees and self-employed businessmen and professionals. The interested loan applicant has to meet the eligibility criteria set by the bank. The bank offers a personal loan to a customer in Kolkata at low rates of interest. The documentation process is also very minimal and the applicant is not required to furnish any security to the bank. IDBI Bank has set up more than 30 branches in the city of Kolkata.

IDBI Bank Personal Loan Kolkata at a glance

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

Interest Rate10.50% - 13.25%
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

Apply Personal Loan @ 10.75%* Rate

Eligibility Criteria for IDBI Bank Personal Loan Kolkata

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 Kolkata

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, feel free to check out Personal Loan Kolkata.

Address of IDBI Bank branches in Kolkata

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
Park StreetSiddha Point, Ground Floor, 101, Park Street,IBKL0000012700259002033-2175040/03/08
Brabourne Road17, Brabourne Road, Mookerjee House,IBKL0000060700259003033-2437964
KhardahPurbasha Kalyan Nagar, Village Panshila, P.s. Khardah. 24 Parganas (n), West BengalIBKL0000061700259004033 5686253-56
GariahatMaratha Chambers, Gr Floor, Sector 25(sdc3), Street Bhel Chowk Rd, Near Grahak Bhandar,IBKL0000086700259006020-4113500, 4113400
Dum DumRK Electrical Works Door No 43 - 1 - 28, Main RoadIBKL0000092700259007033 2374185
Kolkata - Main BranchG S RoadIBKL0000135700259008(0361)2599026
Salt Lake - KolkataManagement House, Salt Lake Electronics Complex , Block - Ep & Gp, Sector - V, Kolkata - 700091IBKL0000184700259009033-65506612
Girish Park (kolkata)Meridian Plaza, 207 & 209 Chittaranjan Avenue, Kolkata - 700006IBKL0000196700259010033-64507001
Shyambazar55, RAJA Dinendra Street, Kolkata - 700004IBKL00002627002590139831443505
Kankurgachi252 City Road, Scheme Vi M, Ground Floor, Kolkata - 700054IBKL00002637002590129831181611
RPU East (CCU Kolkata)6, Royd Street, Kolkata - 700006IBKL00009977002590019830227791
NarendrapurSarat Apartment, 209, N S Bose Road, Narendrapur, Kol - 103IBKL00004197002590199836490444/033-24287320
Sinthirmore277/2/1 B.T. Road, Sinthi More, Kolkata - 700036IBKL00003997002590183325468442
KrishnapurBD - 53, Rabindrapally, Kolkata - 700101.IBKL00007027002590229830927027
Serampore74, R.B.Sarani, Hooghly, Pin - 712201IBKL00010237002590259830380881
RAC II - KolkataIDBI Bank Ltd , 17 Mukherjee House , 3rd Floor , Brabourne Road , Kolkata 700001IBKL0000815NON-MICR9830244460
RAC Kestopur1st Floor, Ac - 32, Bidisha Apartment, Prafulla Kanan, Krishnapur, Kolkata - 700101IBKL0008015NON-MICR033-64992793
RAC I - KolkataIDBI House, 2nd Floor, 44 Shakespeare Sarani, Kolkata 700017IBKL0000835NON-MICR033-66338855
CCU-KolkataAbhilasha Annex , 6, Royd Street, 2nd Floor, Kolkata-700016IBKL0000948700259001033-22274321

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