IDBI Bank Personal Loan - Features & Benefits

Personal loan to Salaried Individuals, Pensioners & Self Employed Professionals (SEPs) :

Sr No.


Salaried / Pensioners Customers maintaining salary / Pension account with IDBI Bank .

 Salaried customers & Self employed Professionals(with or without existing liability relationship with IDBI Bank)  

Salaried individuals & Self employed Professionals having Asset relationship



All IDBI salaried customers maintaining salary account with IDBI Bank, including Pensioners/ Family Pensioners from State or Central Government Departments, PSU companies and State or Central Government promoted/ sponsored entities or undertaking whose pension is credited to SB account with IDBI Bank (retired staff of IDBI Bank is also included

a.     In case of Confirmed employees from departments and institutions promoted/ sponsored by State & Central government, the three Armed Services : with or without existing relationship but satisfying the minimum income norms as specified below.

Only full disbursed cases having paid minimum 6 EMIs  and having total clean repayment track record



b.     In case of all other category confirmed employees having liability relationship with IDBI Bank for more than one year and Self employed Professionals (SEPs) having liability relationship with IDBI Bank for more than one year and satisfying the minimum income norms as specified below.


Minimum Net Salary/ Income

For Salaried class :-

Minimum Annual Average Balance (AAB) of Rs. 20,000/-

(not applicable to salaried customers maintaining salary account with IDBI Bank or customers maintaining pension account with IDBI Bank) and Minimum Annual Net Income (ANI) of Rs. 1,80,000/-.


For SEP class :-

Minimum Annual Average Balance (AAB) of Rs.   25,000/- and Minimum Annual Business Income of Rs.  2,40,000/- for last 2 FY.



Salaried/ Self Employed and Professionals : 

Minimum age : 22 Years. 

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

Pensioners/ Family Pensioners: 

Maximum age : 75 years (at the date of maturity of loan amount)



Minimum : 12 Months 

Maximum : 60 Months


Maximum Loan Amount

a) For Salaried class :- 

Minimum:- Rs.50,000/-


Minimum: Rs.50,000/- 

Maximum :-

Salaried & SEPs :-

Maximum: Rs. 10,00,000/- 

a) For customers non maintaining salary account with IDBI Bank



Rs. 5,00,000/- 


b) Pensioners drawing pension/ Family Pension through IDBI Bank : 

b)For confirmed employees from departments and institutions promoted / sponsored by State & Central government, the three Armed Services with or without existing relationship)


Minimum loan amount : Rs. 25,000/- 



Maximum loan amount: Rs. 5,00,000/- subject to EMI not exceeding 50% of last credited pension amount.


Salaried :- Rs.10,00,000/-








Repayment Norms

In the form of Standing Instruction (SI) only.


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.

Part pre-payment : Part pre-payment is allowed on the basis of above conditions (a&b). 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.


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.



The borrowers will be covered under Free Personal Accident insurance cover.

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