What IDBI Bank asks for on personal, home loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
One free check compares your profile with IDBI Bank and the other 39 lenders we track. It does not touch your credit score.
How IDBI Bank tends to lend (our read): The digital personal loan is an existing-customer product with a Rs 5 lakh cap; the home loan is the mainstream product, with RBI LTV bands and a 70-year salaried age limit. Lends in: Metro, Tier 2, Tier 3 / other locations.
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried
Salary account
Required - salary must be credited to this lender
Loan amount
₹50,000 to ₹5,00,000
Tenure
13 months to 5 years
Interest rate
11% to 14.75% p.a.
Documents IDBI Bank lists
Fully digital journey - no physical documents; online document execution
Research notes
IDBI digital personal loan: only for existing IDBI customers with a salaried profile and an existing liability relationship; Rs 50,000 to Rs 5 lakh, 13 to 60 months, age 21 to 60, fixed rate 11% to 14.75%. Modelled as a relationship-gated product (choose IDBI under 'Salary account with'). Income floor not published - nominal figure used.
22 to 70 years (age when the loan ends); self-employed up to 65
Minimum income
₹10,000 net per month; self-employed: ₹1,20,000 a year
Credit score
750+ preferredOur working estimate - the lender does not publish a floor
Employment
Salaried or self-employed
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹3,00,000 to ₹10,00,00,000
Tenure
1 year to 30 years
Documents IDBI Bank lists
Identity and residence proof
Salaried: latest 3 months' salary slips, Form 16 / ITR
Last 6 months' bank statement
Processing fee cheque
Research notes
IDBI Home Loan: salaried 22 at entry and 70 (or retirement) at maturity with up to 30-year tenure; self-employed 25 to 65 with up to 20 years; LTV 90% up to Rs 30 lakh, 80% to Rs 75 lakh, 75% above; step-up, step-down and tranche-based EMI options. Income floor not published - nominal figure used.
ClearToLend is not affiliated with or endorsed by IDBI Bank. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with IDBI Bank before you apply. A match is not a loan offer or approval.
IDBI Bank Loan FAQs
The minimum net monthly income is ₹15,000, according to IDBI Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 21 and no older than 60 when the loan ends, according to IDBI Bank's own website.
Rates run from 11% to 14.75% a year, according to IDBI Bank's own website. Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹10,000, according to IDBI Bank's own website, as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
You need to be at least 22 and no older than 70 when the loan ends, according to IDBI Bank's own website.
No. ClearToLend compares your details with IDBI Bank's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with IDBI Bank and does not send your details to it.
