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Home > Loan > Loan against Property (Overdraft)

IDBI Bank Loan against Property (Overdraft)

We have designed The Loan against Property with overdraft facility to cater to the need of the business community for meeting their short term working Capital requirements. This Facility will provide the money that is required by the business community for Purchase/Stocking of raw materials, payment of salary, wages, etc and also for financing the gap between the supply of goods & payment of receipts thereafter.


Bullet Loan Purpose:-
Any productive purpose other speculative in nature.

Target Clientele :
Self Employed Professionals(Merchants, Small & Medium Scale Manufacturers, Service Providers, etc.)

Self Employed Non Professionals(including Proprietor, Partnership Firm and closely held limited/ private limited company but excluding HUFs, Trusts, AOPs and NGOs).  

Bullet Loan Amount:
Up to Rs.10 Cr. Loan above Rs.10 Cr can be provided depending upon the merit of the proposal.

Bullet Loan Tenure:
Maximum tenor is 24 months (To be renewed every 12 months or lesser, at the discretion of the bank ).

Bullet Processing Fees:
Please refer to Schedule of Charges of Retail Assets.

Bullet Maximum Funding*:

If the applicant is not existing Home Loan /Loan Against Property customer  

Nature of the property




Non -residential


If the applicant is an existing Home Loan /Loan Against Property customer

Nature of the property




Non -residential


*Subjected to repayment capacity of the individual as assessed by IDBI Bank Ltd.

The Following documents are required along with The Application Form to process your Loan Application.

Salaried Customers

Self Employed Professionals

Self Employed Non Professionals

Application form with photograph

Application form with photograph

Application form with photograph

Identity and Residence Proof

Identity and Residence Proof

Identity and Residence Proof

Latest Salary-slip for last 3 months

Education Qualification Certificates and Proof of business existence

Proof of business existence

Form 16/ITR

Last 3 years Income Tax returns

Business profile

Last 6 months bank statement

Last 3 years Profit /Loss and Balance Sheet

Last 3 years Income Tax returns

Last 3 years Profit /Loss and   Balance sheet statement.

Property Related Documents

All Title related Documents along with approved sanction/building plan.

Note: The documents mentioned above are indicative in nature. IDBI Bank may ask for additional document if required during the processing of your loan application.

Primary: First Charge on the mortgaged property by way of equitable mortgage against which IDBI Bank has advanced the loan.

Collateral: Liquid Collaterals as required by The Bank selectively in the form of Pledge/Hypothecation and Assignment depending upon individual cases.

Other Charges:
Following are the schedule of charges and Terms & Conditions applicable on Home Loans and Loans against property..
Click here to download the schedule of charges.

How to apply:
You can help us by choosing any of the following ways to provide you our Loan Solution:-
IDBI Bank Branch Locator: Click here to know the Branch nearest to your location. Contact our Branch Personnel.

Call IDBI Loan Against Property Sales Officer in your City.

Apply online

Help us to Contact You.
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