How to take personal loan from IDBI Bank: With the changing times, our needs also increase, whether we talk about the upbringing of children or their education, marriage, home, health, food etc., then every human being wants that May they live a better life, live a life full of all facilities. For which we work day and night, but in today’s era, inflation has reached its peak. Whether we talk about gas cylinder used in the kitchen or mustard oil or petrol and diesel, all these are used the most in our daily life and today the way inflation is increasing and our income is decreasing. But the cost is not taking the name of reduction. Many times it also happens that due to rising inflation, we are not able to meet the needs of our children in time, due to which an atmosphere of tension is also created in the house.
If your problem is similar, then today we have brought such an option for you, which is very important for you to know. Today we will tell you through this post that how you can take a personal loan to meet your needs. By the way, all banks give loans and the process of taking loan from all banks is the same. But today we will talk about IDBI Bank , so you should read the post completely so that you can understand it better.
What documents will you need to take a personal loan from IDBI Bank, what is the process to apply, for how many days you will get the loan, how much interest will be charged, today we will tell you all this information through our post. Which is very important for you to know, so do not make any mistake in haste and read our post carefully. So let’s know the process of taking a personal loan.
Also Read – How To Take Personal Loan From HDFC Bank ?
Here I am sharing some important information related to IDBI Personal Loan which has been asked by many people.
What is IDBI Personal Loan Customer Care Number?
You can get in touch with them by calling the helpline number for IDBI personal loan. If you are calling from India, you can use the bank’s toll-free number or a non-toll-free number. IDBI Bank has three toll-free numbers through which customers can make all their personal loan related queries. These are 1800 209 4324, 1800 200 1947, and 1800 22 1070. The non-toll-free number for customers is 022 67719100. NRI customers can contact the bank on 0091 22 67719100. Customers can easily approach the customer care system for any assistance regarding IDBI Personal Loan.
What are the main criteria for IDBI personal loan?
IDBI personal loan is only for salaried individuals. If you do any business then you have to apply for business loan. The minimum salary required for IDBI personal loan is Rs. 20,000 every month. If you fall in this group, you can definitely apply for IDBI Personal Loan.
How to Check IDBI Personal Loan Status?
You can check IDBI personal loan status by visiting the IDBI Bank website. There you have to enter URN number, PAN, other information and mobile number. After this you will see the status of the loan.
How can I make the payment of IDBI Personal Loan?
You can repay the loan in equal EMIs using the ECS facility or through post-dated cheques.
What is the maximum loan amount we can get from IDBI?
IDBI offers personal loan up to Rs.5 lakh. It determines how much loan should be given on the basis of your salary and if you have taken the loan earlier, then looking at its repayment history.
What is the repayment tenure of IDBI Personal Loan?
IDBI offers personal loans with tenures ranging from 1 year to 5 years which makes it suitable for all loan seekers. You can select any period.
What are the reasons why I can get a personal loan from IDBI Bank?
Personal loan availed from IDBI Bank can be availed for any personal reason. Most of the customers who get the loan take it for marriage, share market or to pay the credit card amount. A personal loan can be taken from IDBI Bank to meet expenses related to home purchases, immediate expenses, children’s education, hospitalization, etc. For taking a personal loan, the bank does not ask you why you are taking it, you can take it for any reason, it is entirely up to you where to invest that amount.
What documents do I have to submit while applying for a personal loan from IDBI Bank?
First of all, you have to fill the loan application form and give the salary slip for the last six months. Sometimes the last 3 months are also asked. Identity proof, proof of residence, Form 16, bank details have to be submitted. A passport size photograph should also be attached with the loan application form before submission. For proof of identity you can submit any one of Passport, Voter ID, Driving License, Defense ID Card, Ration Card, PAN Card, Government Employee ID Card or Aadhar Card. For address proof, you can submit any one of your passport, ration card, voter ID, home agreement paper, driving license, telephone/water/electricity bill or gas bill.
How is interest calculated on personal loan?
A predetermined rate of interest will be applicable on the personal loan and interest will be charged on the reducing balance method. The interest amount will be debited to your loan account on a monthly basis. Interest rates are subject to change from time to time at the discretion of the Bank.
How can I repay the personal loan?
Your personal loan from IDBI Bank can be repaid in EMIs with a standing instruction/mandatory to debit your savings/salary account with the bank on a predetermined date every month.
How to take loan from IDBI Bank
First of all you have to login on IDBI Bank website.
After that you have to enter all your information.
Then by going to the website, you have to choose the option of personal loan.
After that you have to fill an application.
After that if you are eligible for
the loan then you will get the loan amount in your account.
Today I told you through this post of mine that how you can take loan from IDBI Bank and how you have to apply for it, I have conveyed all this information to you through this post. If you like this post of mine then please don’t forget to share this post.
Question: – What is the interest rate of personal loan from IDBI Bank?
Answer: – Here I am giving the Interest Rate, Processing Fees and other information of personal loan from IDBI Bank.
|Rate of interest||8.30%-14% p.a.|
|processing fee||1% of loan amount + tax|
|credit period||maximum 5 years|
How much loan can we take at one go from IDBI Bank?
You can take a loan of 50 thousand to 10 lakh at a time from IDBI Bank.
For how many days we can get loan from IDBI Bank?
After getting the loan from IDBI Bank, you will get 12 months to around 60 months to repay it.
What will be our interest in IDBI Bank?
You will get around 7.05% – 8.60% interest per annum on the loan amount from IDBI Bank.
If you are taking loan from IDBI Bank then you will need these documents for that?
- Pan Card
- Address Proof
- ID Proof
- Salary Proof
Under what conditions can you get a loan from IDBI Bank?
- If you are 22 years old or above, then only you can get the loan.
- You must have a business or job.
- Your monthly income should be at least 15 thousand rupees per month.
- If you do any business then your annual income should be at least 2,40,000.
Why should you take a loan from IDBI Bank only?
If you want, you can take a loan from any other bank, but as soon as your loan will be approved from here, it will not be in any other bank, that too with 100% online process. You can use your loan amount anywhere.