Industrial Development Bank of India (IDBI) Personal Loan
| Bank Link | http://www.idbi.com/personal-loan.asp |
| Loan Amount | Minimum Rs.50,000/- Maximum Rs 10,00,000 |
| Interest Rate | 13.25% to 14.25% |
| Tenure | 12 to 60 Months |
| Pre Payment Charges | Nil after 6 months, 2% before 6 months |
Service Charges
1% of the loan amount + applicable taxes.
Other Charges
Forclosure Charges: From the date of disbursement up to 6 months & 2% + applicable taxes.
After 6 months the charges are NIL.
| Self | |
|---|---|
| Minimum Age (in yrs.) | Minimum 22 Years; Maximum age at termination of loan should not be above 60 years or date of retirem |
| Minimum Income (in Rs.) | Self Employed Professional: Minimum Rs 240,000 per year for last two FY. |
| Minimum Work Experience (yrs.) | Doctors: Total work experience: 48 months Total medicine practice: 24 months ;Professional: Profit m |
| Residence Status (yrs.) | Either owned or 12 months; Phone ownership : Required |
| Id Proof | Passport Copy/ Voters ID card/ Driving Licence/PAN Card/Any other valid ID Proof |
| Address Proof | Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate |
| DOB Proof | Birth Certificate or 10th Class Passing Certificate |
| Salaried | |
|---|---|
| Minimum Age (in yrs.) | Minimum 22 Years; Maximum age at termination of loan should not be above 60 years or date of retirem |
| Minimum Income (in Rs.) | Based on the classification of cities the minimum net salary ranges from Rs.15,000 to Rs.25,000 |
| Minimum Work Experience (yrs.) | 6 months in current Job; Total work experience : 24 months |
| Residence Status (yrs.) | Either owned or 6 months; Phone ownership : Required |
| Id Proof | Passport Copy/ Voters ID card/ Driving Licence/PAN Card/Any other valid ID Proof |
| Address Proof | Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate |
| DOB Proof | Birth Certificate or 10th Class Passing Certificate |
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