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IDBI Bank Personal Loan in Noida

IDBI Bank Personal Loan in Noida

Last Updated : Aug. 30, 2018, 3:46 p.m.

About IDBI Bank Personal Loan Noida

IDBI Bank customers in Noida can obtain a personal loan from the bank at feasible rates of interest. The interested loan seeker has to first ensure that he/she matches the eligibility criteria. The applicant, be it a salaried employee or a self-employed person can avail the product from the bank on an interest which is calculated on daily reducing balance. IDBI Bank has three branches in the city of Noida. The personal loan offered by the bank can be secured by even pensioners.

IDBI Bank Personal Loan Noida at a glance

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

ParticularDetails
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 Noida

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 Noida

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

Get more information by checking out Personal Loan Noida .

Address of IDBI Bank branches in Noida

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 CodeMICRContact Details
Noida Sector 63H 1 A/30 Sector 63, Noida, Gautam Buddha Nagar, Uttar Pradesh. North Noida, 201307IBKL000020011025902809818482904, 09818482984
RAC NoidaIDBI Bank(RAC), H1A/30, Sec - 63, Noida - 201307 , UP.IBKL0000843NON-MICR
NoidaPlot No 2, Block B1a, Sector-51, Gautam Budh NagarIBKL00018111102590822485154

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