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

IDBI Bank Personal Loan in Pune

About IDBI Bank Personal Loan Pune

Salaried employees and self-employed individuals based in Pune can avail a personal loan from IDBI Bank. The bank has a solid presence in Pune city as it has set up more than 15 branches here. The bank gives a personal loan to every loan seeker who is eligible and can meet the imposed eligibility norms. The rates of interest offered by the bank on a personal loan is affordable and feasible to the customer. So in case you live in Pune and want a personal loan, you can take the same from IDBI Bank. The bank is bound to make life picture perfect for you.

IDBI Bank Personal Loan Pune 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 Pune

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 Pune

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 extra information please have a look at Personal Loan Pune.

Address of IDBI Bank branches in Pune

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
F. C. RoadDnyaneshwar Paduka Chowk Fergusson College RoadIBKL0000007411259001020-5678383-484-585
Kalyani NagarPlot No 128 , Ground Floor, Blue Hills Avenue, Kalyani Nagar, YerawadaIBKL0000034411259002020-6612036-8
AundhRajas Apt, Plot No 13, Abhimanshree Road, Off Baner Road, Aundh, PuneIBKL0000062411259003020-5893534-36
NigdiGround Floor Hotel Ashray , 77, Dewas Road,IBKL0000087411259004020-27641584, 27653500, 27640359
HadapsarA - 1 & 2 Prathamesh, Thatte Nagar, Gangapur Road IBKL0000102411259005020-26824801 / 02
Pune - Main BranchIDBI House, Janpath Unit - Ix, Post Bag No.190IBKL0000131411259006020-25677481/82
HinjawadiShree Ganesh Plaza Shivaji Chowk Hinjewadi 411021IBKL0000250411259028(020)22932411 / 12 / 13
Koregaon parkPlot No.353, Artha Vishwa Building, Lane No.5, Off North Main Road, Koregaon Park, Pune, Pin 411001IBKL0000301411259006020 66486300
Pune L RU W Bank Bldg., , 6/1 Budhwar Peth, , Laxmi Road, Pune, Pin code - 411002IBKL0000459411259023020-24452135, 24452697
Pune Lokmanyanagar5, Laxmi Park, , Dr. Sabane Bungalow, , Lokmanya nagar, Pune, Pincode - 411030IBKL0000460411259010020-24537114
Pune Tilak Road2065, Sadashiv Peth Sane Guruji Marg, Gangavataran Apartment, Near S P College Pune, Pincode - 411030IBKL0000490411259024020-24332383
Pune Deccan Gymkhana1233/A Sai Chhaya Apartment, , , Apte Road, , Deccan Gymkhana, Pincode - 411004IBKL0000502411259025020-25513210
Pune Sadashiv Peth562, Sadashiv Peth, , Chitrashala Building, , Kumthekar Road, , Pincode - 411030IBKL0000548411259009020-020-24452170
Pune ShivajinagarCTS NO.1189/3, Modern College Road., Near Dnyaneshwar Paduka Chowk Shivajinagar Pune, , Pune - 411005, , Pincode - 411005IBKL0000568411259008020-25533247
Ganesh Nagar Pune27/1, Yogeshwari Apartment, , Erandwana, , Ganeshnagar, , Pincode - 411051IBKL0000588411259026020-25440903
Pune Ashok Nagar421/A, Gokhale Road, , Near Symbiosis - - Atur Centre, , Ashoknagar, Pincode - 411016IBKL0000600411259027020-25655893
Pune SwargateMitra Mandal Co - Op. Hsg.soc.hall, , First Floor, 484/1 - 31 - 32, Parvati, Swargate, Pincode - 411009IBKL0000607411259011020-24442959
Pune CampSahajanand Complex, , 2416, East Street, , General Thimayya Road, Camp, Pincode - 411001IBKL0000616411259007020-26348064, 26330810, 26363911
Pune Service BR1548, B. Saiprabha Sadashiv Peth. Off Tilak Road Pune Pune 411009IBKL0000636411259022020-24339696

  • 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%