30 सेकंड में आयडीबीआय बैंक से पर्सनल लोन कैसे ले? How to get Personal Loan with IDBI Bank

30 सेकंड में आयडीबीआय  बैंक से पर्सनल लोन कैसे ले? How to get Personal Loan with IDBI Bank 

Website Link : https:www.idbi.com

Personal Loan - IDBI Bank Loan

                 To meet unexpected financial exigencies or come out of high priced Credit Cards funds, you can avail IDBI Bank’s Personal Loan. Be it a marriage in family, renovation of house, meeting urgent educational / hospitalization expenses or travel abroad At times, personal Loan comes handy while arranging for Earnest Money to apply for a Plot / House, or to manage Margin Money funding to avail of a Home Loan / Loan Against Property.

Personal Loan from IDBI Bank is targeted to the Salaried Individuals , Self Employed Professionals (SEPs), Non Professionals (SENP) & Pensioners (SENP)
Personal loan to Salaried Individuals, Self Employed Professionals (SEPs), Selp Employed Non Professional (SENP) & Pensioners
    Bullet Salary Account with In-built Overdraft facility
    Bullet Pension Account with in-built Overdraft facility to Pensioners of IDBI Bank Ltd

Minimum Net Salary/ Income:

For Salaried class :-
Minimum Annual Net Income (ANI) of Rs. 1,80,000/- p.a
For SEP Borrower :-
Minimum Annual Business Income of Rs. 3,60,000/- p.a
For SENP Borrower :-
Minimum Annual Business Income of Rs 5,00,000/- p.a

Age:

Minimum age : 21 Years.
Maximum age at termination of loan should not be above 60 years or date of retirement, whichever is earlier.

Rate of Interest:

   Rate of Interest 11.50 to 17.50% 

Tenor:

Minimum : 12 Months
Maximum : 60 Months

Prepayment / foreclosure charges:

a) Prepayment / foreclosure of Personal loan after six months of disbursals may be allowed without pre payment Charge.
b) Prepayment / foreclosure if sought before 6 months from disbursal date, a charge @ 2% of the outstanding loan amount is to be levied.

Top up loan:

The existing loan account holders with minimum 12 months and with clear repayment track record will be eligible for top up loan facility.

Maximum Loan Amount:

For Salaried & SEP/SENP
Minimum: Rs 50,000/-
Maximum: Rs 10,00,000/-
Pensioner:
Minimum: Rs 25,000/-
Maximum: Rs 5,00,000/-


Permanent Employee, with a minimum one year of continuous service of the below mentioned Organizations /Companies :
Govt./Semi-Govt./Quasi Govt.
Public Ltd Co.
Private Ltd Co.
Multinational Co.
Reputed Institutions
Any Corporate approved by CGM of the Zone

Following Step Follow:

1. First Step:

2. Second Step:

3. third Step:

4. Fourth Step:

Website Link : https:www.idbi.com