However, in such cases, no further personal loan will be sanctioned to the borrower for 12 months from the date of making the part pre-payment.
No Criteria b) Salary Account with in- built overdraft facility c) Overdraft facility for Pensioners of idbi Bank Ltd 1 Eligibility Permanent Employee, with a minimum one year of continuous service of the below mentioned Organizations /Companies : Govt./Semi-Govt./Quasi Govt.
20,000/- (not applicable to salaried customers desperate sex date free maintaining salary account with idbi Bank or customers maintaining pension account with idbi Bank) and Minimum Annual Net Income (ANI).
Maximum age at termination of loan should not be above 60 years or date of retirement, whichever is earlier.Just call our Phone Banking numbers or visit our nearest Retail Asset Centre/Branch.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.How to Apply For applying online, please Click here.Maximum loan amount:.B) Prepayment / foreclosure if sought before 6 months from disbursal date, a charge @ 2 of the outstanding loan amount is to be levied.Home Loan Personal Loan.3 Categories Salaried customers maintaining salary accounts with idbi Bank NA 4 Tenor The overdraft facility would be valid for 2 years; renewable every two years.Loan Tenor is the complete period within which you will be paying the monthly amortizations.5 Maximum Limit Five times of net salary (based on previous six months average salary) To be computed at five times the monthly net pension.25,000/- and Minimum Annual Business Income. .
Applying for idbi Bank Personal Loan is absolutely simple.
Our consolidated loan provides: possibility to set the amount of instalments according to your need consolidation of up to 5 loans possibility to consolidate business loans, overdraft loans, leasing and company credit cards.By refinancing the business loan (provided by previous bank at least 6 months ago we will lower your monthly costs by up to 25 while maintaining the maturity.Salary Account with In-built Overdraft facility.Prepayment / foreclosure charges a) Prepayment / foreclosure of Personal loan after six months of disbursals may be allowed without pre payment Charge.Minimum:-.50,000/- Maximum :- a) For customers non maintaining salary account with idbi Bank.Reputed Institutions Any Corporate approved by CGM of the Zone This facility is extended to customers maintaining their pension account with idbi Bank Ltd.Insurance The borrowers will be covered under Free Personal Accident insurance cover.