IDBI Bank Loan Personal Loan - 2017 2018 Student Forum
 

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  #1  
Old 30th March 2013, 09:02 AM
Ahmed Kana
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Default IDBI Bank Loan Personal Loan

Can you give me the details of personal loan provided by IDBI.
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  #2  
Old 31st March 2013, 03:19 PM
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Join Date: May 2012
Posts: 26,246
Default Re: IDBI Bank Loan Personal Loan

Industrial development Bank of India (IDBI)
Here I am providing you the types of loan provided by IDBI. IDBI bank offers a wide range of loans. The various loans offering by IDBI bank are as follows

Home Loans
Home Loan Interest Saver
Education Loan
Personal Loan
Loan against Property
Loan against Property- Overdraft
Loan against Property – Interest Saver
Loan for Commercial Property Purchase
Loan against Rent Receivables
Loans against Securities
Reverse Mortgage Loan
Auto loans

Here I am giving you the details of personal loan of IDBI.
IDBI offers Personal Loan to the following categories of customers which are as follows:
Salaried customers maintaining salary accounts with IDBI Bank:
All Salary account holders with IDBI Bank

Salaried customers maintaining salary accounts with IDBI Bank:
Minimum: Rs 25,000/-
Maximum: Rs 5, 00,000/-

Salaried customer’s not maintaining salary accounts with IDBI Bank:
All existing customers having liability relationship (only Saving Bank) for more than 3 years:
Minimum: Rs.25, 000/-
Maximum: Twice the amount of AQB maintained by the customer during immediately preceding 3 years;
All Preferred Customers with liability relationship of at least 1 year:
Minimum: Rs.25, 000/-
Maximum: 2 times the AQB maintained for the period the account is maintained with the Bank subject to a maximum of preceding two years.

Minimum Income norms:
Salaried customers maintaining salary accounts with IDBI Bank:
Minimum Net Adjusted Income to be Rs. 15,000 p.m.
Salaried customers not maintaining salary
Accounts with IDBI Bank:
Minimum annual income to be Rs. 5 lakh

Tenor:
Maximum tenor to be restricted to 12-36 months for salaried customers maintaining salary accounts with IDBI Bank and 12-24 months for salaried customers not maintaining salary accounts with IDBI Bank.

Rate of Interest:
Salaried customers maintaining salary accounts with IDBI Bank:
With collateral: 15.00% (BR+4.50%) (Fixed)
Without collateral: 17.00% (BR+6.50%) (Fixed)
Salaried customers not maintaining salary

Accounts with IDBI Bank:
With collateral: 16.00% (BR+5.50%) (Fixed)
Without collateral: 18.00% (BR+7.50%) (Fixed)

Processing Fees:
1.00% of the loan amount plus applicable service tax.
Repayment Norms:
In the form of Standing Instruction (SI) only
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  #3  
Old 21st May 2015, 03:16 PM
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Default Re: IDBI Bank Loan Personal Loan

I want to take IDBI Bank Personal Loan? Can you please tell me about its eligibility? Also provide me the request form for the IDBI Bank Personal Loan?
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  #4  
Old 21st May 2015, 03:17 PM
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Join Date: Apr 2013
Posts: 61,272
Default Re: IDBI Bank Loan Personal Loan

As you say that you want to take IDBI Bank Personal Loan. Personal Loan from IDBI Bank is targeted to the Salaried Individuals and Self Employed Professionals (SEPs).

Following are the variants of Personal Loan:

Personal loan to Salaried Individuals & Self Employed Professionals (SEPs)
Salary Account with In-built Overdraft facility
Salary Account with in-built Overdraft facility to Pensioners of IDBI Bank Ltd.

Eligibility:

For Salaried class:-
Minimum Annual Average Balance (AAB) of Rs. 20,000/-
(not applicable to salaried customers maintaining salary account with IDBI Bank) and Minimum Annual Net Income (ANI) of Rs. 1,80,000/-.

For SEP class :-

Minimum Annual Average Balance (AAB) of Rs. 25,000/- and Minimum Annual Business Income of Rs. 2,40,000/- for last 2 FY.


Age

Minimum age : 22 Years.
Maximum : 60 Months.


You are also asking for the Request for IDBI Bank Personal Loan application form. Here I am provide you the IDBI Bank Personal Loan application form. This is as follows:



Address:
IDBI Bank Ltd.
IDBI Tower, WTC Complex,
Cuffe Parade, Colaba, Mumbai 400005.

Map
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