Information only
IDBI Bank is classed by the Reserve Bank of India (RBI) as a private sector bank, although it began as a state development finance institution. RBI's Banks in India listing gives its address as Mumbai. It offers retail, home, vehicle and business loans. The product rows below describe loan types that the bank is known to offer; this page could not open the bank's product pages today, so the list is not marked as seen on the bank's site.
Loans it offers
Loan types IDBI Bank is known to offer (product pages not opened on 8 November 2026)
| Loan | What to know |
|---|---|
| Home loans | Housing finance for buying or building a home, with the property as security. |
| Personal loans | The bank's website carries a personal loan page that describes a digital application route. |
| Loans against property | Borrowing against property you own, with a valuation and legal check. |
| Business and MSME loans | Loans for small businesses; the bank's materials describe retail, SME and agri segments. |
| Car loans | Vehicle finance with the car as security. |
| Gold loans | Loans secured on gold ornaments. |
| Education loans | Loans for study in India or abroad. |
Read how these loans work on LOANZ 360: home loans, personal loans, loans against property, MSME loans, car loans, gold loans and education loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Private sector bank, regulated by the Reserve Bank of India |
| Address listed by RBI | Mumbai, Maharashtra |
| Origin | Set up in 1964 under an Act of Parliament as the Industrial Development Bank of India, a development finance institution |
| Conversion | Became a company in 2003 and merged with its commercial banking arm, IDBI Bank, in 2005 |
| Reclassification | RBI categorised the bank as a private sector bank from 21 January 2019, after LIC took 51% of its paid-up equity |
As of 8 November 2026, news reports say the Cabinet Committee on Economic Affairs approved on 14 October 2026 the sale of a 60.72% stake in IDBI Bank to an entity of Canada-based Fairfax Financial Holdings. The sale still needs clearances from RBI and SEBI. Until it completes, the bank's ownership stays as it is today.
Before you apply
- A change of ownership does not change the terms of a loan you already hold. For a new loan, the sanction letter and the Key Fact Statement (KFS) are your record of the terms.
- Compare offers on the annual percentage rate (APR), not the headline rate alone, so lender fees are counted.
- Charges such as processing, foreclosure, penal interest and valuation are set by the lender. Ask for each in writing.
- This helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score. Checking your own score does not lower it.
Compare published rates on interest rates and see other banks and NBFCs on the lenders page. The label (lending partner or information only) is drawn by the site from live data and is not stated here. If it shows information only, apply on the bank's own website.
Last updated 12 Nov 2026