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 MonthsMaximum : 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/SENPMinimum: 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:
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