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I
IDBI Bank
Partner SitePrivate Sector Bank
🏛 RBI Licensed BankIDBI Bank keeps fees low and offers a modest rate discount for existing salary-account holders.
11%–18.5%
Interest Rate
per annum
₹20.0L
Max Loan
available
2-4 days
Disbursal
after approval
Up to 1.5%
Processing Fee
of loan amt
76% approval rate · Arjun from Hyderabad applied 6 min ago
4.2 (2,847 reviews)
IDBI Bank
11% p.a.·EMI ₹24,184/mo
No CIBIL impact · Takes 2 min
Key Features
Low fixed processing fee
No collateral
Flexible tenure up to 5 years
Salary account discount
Eligibility Criteria
Age 21–60 years
Min salary ₹20,000/month
CIBIL score 700+
1 year employment
CIBIL Impact Estimator
Inquiry type:1 Potential Hard Inquiry (via redirect)
Applying with IDBI Bank will trigger a credit pull. Your CIBIL score may dip by 3–7 points temporarily.
Estimated score after inquiry
~750 (current)~743–747 (after inquiry)
✅ Scores typically recover in 3–6 months after first EMI is paid. Multiple applications in 30 days may have cumulative impact.
Protect Your Loan
OptionalLoan Shield covers ₹6.0L in case of job loss, disability, or critical illness. Your family stays protected.
Job loss cover for 6 EMIsCritical illness protectionDisability waiverNo medical check-up
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IDBI Bank
Private Sector Bank
11%
from p.a.
Your Monthly EMI
₹24,184
for ₹5.0L over 24 months
₹80,415
Total Interest
Up to 1.5%
Processing Fee
2-4 days
Disbursal
76%
Approval Rate
🔥Arjun from Hyderabad applied 6 min ago
Proceed to IDBI Bank No impact on your CIBIL score
256-bit SSL · Data never shared
RBI registered lender
EMI Breakdown
Loan Amount₹5.0L
Tenure24 months
Interest Rate (avg)14.8% p.a.
Principal
₹5,00,000Total Interest
₹80,415Total Payable₹5,80,415