IDBI Bank Personal Loan in Lucknow

About IDBI Bank Personal Loan Lucknow

IDBI Bank offers a personal loan to its customers based in Lucknow. The bank has opened about 14 branches in the capital of Uttar Pradesh. The personal loan offered by the bank can be secured by a salaried employee as well as a self-employed person living in the city. The bank provides a personal loan to eligible loan borrowers at an attractive rate of interest. Fast approval and minimal documentation are two of the exciting features of the product offered by IDBI Bank.

IDBI Bank Personal Loan Lucknow 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 Lucknow

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 Lucknow

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, check out Personal Loan Lucknow

Address of IDBI Bank branches in Lucknow

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
LucknowDhan Complex 15, Ashoka MargIBKL00000152262590010522-287104/105/259
Alambagh - Lucknow565K/183, Sneh Nagar Alambagh, Kanpur Road, Lucknow, Uttar Pradesh 226005IBKL00002762262590010522-4076445
Indira Nagar - LucknowJ.C. Complex, Faizabad Road, Indira Nagar (nr Arora Auto Centre), Lucknow, 2260016IBKL00002772262590010522-2355578
Gomti Nagar - Lucknow5/34 Vishal Khand , Capt Manoj Pandey Crossing , Gomti Nagar, Lucknow, Uttar Pradesh, 226010IBKL00003142262590010522-6567771
BarabankiAdjacent To Allahabad Bank, Naka Satrikh Barabanki - 225001IBKL000031522525900205248-223331
Lucknow Chowk ECLIC Of India, Khun Khunji Road, Chowk, LucknowIBKL00009092262590010522-2258616/17, 2258181, 3958787
Retail Assets - LucknowIDBI Bank(RAC), 3RD.Floor, Kishan Sahakari Bhavan, Mg Road, Hazratganj, Lucknow - 226001, UPIBKL0000824NON-MICR9794970707
CCU Lucknow3RD FLOOR, Kisan Sahkari Bhawan, 2 M G Marg, Hazratganj, Lucknow - 226001IBKL0000940NON-MICR0522-6052314
Kalli Paschim LucknowRadhey Krishna Building, Raebareli Road, Kalli Paschim, Lucknow-226025IBKL00011762262590089415091177 9565533525
Uttar Pradesh Co-operative Bank Ltd.Uttar Pradesh Co-operative Bank Ltd., Main Branch, Kisan Sahkari Bhawan, 2 M G Road, Lucknow - 226001IBKL0015UPC2261850029125110001 / 05222610209
Aminabad173/29, Dr.B.N Verma Road, Aminabad, LucknowIBKL00012642262590108004923264
Nagrik Sahkari Bank Ltd.C 13 / 112, Rajajipuram, LucknowIBKL0015NSB2261852729415674915

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