IDBI Bank Personal Loan Patna - Rates February 2024, Eligibility, EMI, IFSC

IDBI Bank Personal Loan in Patna

About IDBI Bank Personal Loan Patna

IDBI Bank customers in the city of Patna can avail the product of personal loan from the bank. The interested applicant can take financial help from the bank to meet his/her personal needs. In case you have a marriage in your family and you need funds, then you apply for an IDBI Bank personal loan. Those who want to sponsor their child’s education or go on a vacation to Europe too can apply for the product. The bank gives a personal loan at an interest rate which is not only lower but affordable. IDBI bank has opened over 20 branches in the capital city of Bihar.

IDBI Bank Personal Loan Patna 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 Patna

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 Patna

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, please refer to Personal Loan Patna.

Address of IDBI Bank branches in Patna

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
PatnaKashi Place Complex, Dak Bunglow Road, Opp Heera Palace, PatnaIBKL00000658002590020612-2204160 / 147
Patna - Main BranchVirendra Smriti, 2nd Floor, 15/54 - B Civil LinesIBKL00001408002590032305437/428
DanapurR J Complex, Main Road, Thana More, Danapur - 801503IBKL00007818002590049835550500
Retail Asset Centre - PatnaRetail Asset Centre, Uma Complex, Fraser Road, Patna - 800001IBKL0000848NON-MICR0612-6500543 / 08083991992
KankarbaghIDBI Bank, A-29, Patna Yoga Vidyalaya, Kankarbagh Colony, Patna-800020IBKL0001020800259006
Ashiana NagarIDBI Bank Ltd.m.s. Smriti Complex Opp. Central Revenue Colony Ashiana Nagar, Patna-800025IBKL0001125800259005
AmharaIDBI Bank, Near Iit Gate, Amhara, Bihar Pin-801118IBKL00011798002590089199212585
Bhusaula DanapurIDBI Bank, Nr-shiv Mandir Aiims, Bhusaula Danapur, Patna, Pin-801505IBKL00011938002590070612-2452030
Patna cityLaxmi Commercial Complex, Gujari Bazar, Patna city, Patna-800008IBKL00012498002590092630259
Main BranchVill- Champapur, Po- Ghoswari, Bakhtiyarpur, District- Patna, Pin-803212IBKL00013518032593020612-6540328
AnisabadSI Tower, Anisabad Golambar, Above Dominos Pizza, Pin-800002IBKL00020788002590149669628396
Maranchi BranchN.H-80, Vill+po- Maranchi Dist- Patna Pin- 803301 BiharIBKL00013538032591038084638740 / 7352188111
KurthaurShobhnath Palace National Highway-83 Post-kurthaul District - Patna , Bihar Pin: 804453IBKL0001373NON-MICR7654311888
Patliputra Central Cooperative Bank Ltd.Madan Hari Bhawan S. P. Verma Road, Patna-800001IBKL0140PCC8002130010612-2231992/2203937
KhagariaRipro Complex, Mohallah-baluwahi, M.g.road, District-khagaria, Khagaria-851 204.IBKL0001536IBKL0001536223200
Saguna More1ST Floor, Jitendra Complex, Saguna More Chouraha, Danapur, Patna, 801503IBKL00018668002590109576112000
DhanautJagdeopath, Phulwari Road, Near Anjani Complex, Patna Bihar -800014IBKL00020178002590119304112868

  • Personal Loan Interest Rates February 2024
    HDFC Bank10.75% - 14.50%
    ICICI Bank10.75% - 19.00%
    IndusInd Bank10.25% - 26.00%
    Kotak Bank10.99%
    RBL14.00% - 23.00%
    SMFG India Credit12.00% - 24.00%
    Standard Chartered Bank11.49%
    Tata Capital10.50% - 24.00%