Check your IDBI Bank personal loan eligibility. Rate: 10.50 - 14.50% p.a. Max amount: ₹10 L.
IDBI Bank offers personal loan at an interest rate of 10.50 - 14.50% p.a. with a maximum tenure of 5 years. The maximum loan amount is ₹10 L with a minimum monthly income requirement of ₹20,000.
| Loan Amount | Monthly EMI | Total Interest | Min Income Required |
|---|---|---|---|
| ₹1 Lakh | ₹3,250 | ₹17,000 | ₹6,915/mo |
| ₹2 Lakh | ₹6,500 | ₹34,000 | ₹13,830/mo |
| ₹3 Lakh | ₹9,751 | ₹51,036 | ₹20,747/mo |
| ₹4 Lakh | ₹13,001 | ₹68,036 | ₹27,662/mo |
| ₹5 Lakh | ₹16,251 | ₹85,036 | ₹34,577/mo |
| ₹7 Lakh | ₹22,752 | ₹1,19,072 | ₹48,409/mo |
| ₹10 Lakh | ₹32,502 | ₹1,70,072 | ₹69,154/mo |
IDBI Bank Personal Loan interest rate ranges from 10.50 - 14.50% p.a. in 2026. The actual rate depends on your credit score, income, and loan amount.
IDBI Bank offers a maximum personal loan of ₹10 L with a tenure of up to 5 years.
The processing fee for IDBI Bank Personal Loan is 1% of loan amount + GST.
IDBI Bank Personal Loan prepayment policy: 3% of outstanding.
The minimum monthly income required is ₹20,000. Use the calculator above to check your exact eligibility based on your income.