Apply online for an IDBI Bank , Check & Compare IDBI Bank Personal Loans Eligibility, Interest Rate & Doumentation Requiredand experience quick, hassle-free approval with minimal documentation. IDBI Bank is designed to meet your financial needs, whether for home renovation, medical expenses, travel, or debt consolidation.
Disclaimer: Fincrif India Pvt Ltd is not associated with IDBI Bank for personal loans. The details provided here are for informational purposes only and do not indicate any partnership, sponsorship, or endorsement by IDBI Bank. Fincrif India Pvt Ltd does not offer or process personal loan applications on behalf of IDBI Bank. For accurate and updated information regarding personal loans, please contact IDBI Bank directly.
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Here are the IDBI Bank Personal Loan eligibility:
Between the ages of 21 and 60. Pensioners must be at least 75 years old.
Paid: ₹ 1.8 lacs per year.
Self-employed: ₹ 3.6 lacs per annum.
The minimum and maximum loan amounts are ₹ 25,000 and ₹ 5 lacs, respectively.
Here, 60 months is the longest loan term that is possible.
The option to obtain a Top-Up Loan will be available to consumers after 12 consecutive months of unbroken loan payments.
IDBI Bank Personal Loan documents required for applying :
The loan application is finished
Three passport-size photos
Identification documents with photos, such as a voter ID card, passport, driver's licence, or IT PAN card
A photocopy of a recent phone bill or an electricity bill is proof of residence.
Passbook and Account Statements for the Previous Six Months
For the past two fiscal years, salaried employees' Form 16/IT returns
IT returns over the past three years for independent contractors
| Interest rate | 11.00%-15.50% p.a. |
| Processing fee | Salaried and SEP/SENP/Pensioners: 1% of the loan amount (minimum ₹ 2,500) + applicable taxes Others: Nil |
| Part prepayment charges | 0% to 2% of the amount to be prepaid |
| Foreclosure charges | 0% to 2% of the outstanding balance |
| Penal Interest charges | 4% p.a. on the overdue amount & overdue period |
Whether you earn a salary, are self-employed, or are retired, IDBI Bank loans offer hassle-free personal loans for any of your requirements. It offers up to ₹ 5 lacs for a range of personal expenses, including weddings, house renovations, child's education, and other unforeseen expenses. IDBI Bank offers personal loans with an easy 5-year repayment period and interest rates starting at 11% p.a.
Ans: Your income and ability to repay the loan would decide your personal loan limit.
Ans: Yes, as long as your spouse guarantees the loan or the loan is taken jointly, their income may be included.
Ans: Security is unnecessary.
Enjoy the Convenience of Doorstep Services: If you have any questions or concerns about a personal loan, you may ask a bank executive to visit your home or place of business and address them right away.
Happy Customers
Monthly Personal Loans Disbursal
Partner Banks & NBFCs
Team Size of Experts
A Multi-Purpose Loan EMI Calculator helps you estimate your monthly repayment amount before applying for a loan. Whether it’s for education, travel, wedding, home renovation, or business needs—know your EMI and plan smarter.
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