Top Banks 2024
Axis Bank Kochi
Last Updated : Feb. 4, 2017, 6:24 p.m.
About Axis Bank
The beautiful city of Kochi is not only famous for its soothing and mesmerizing sightseeing places, but also because it is now a hub of many financial companies. Yes, slowly and steadily the city is on its way to becoming a home of various financial giants and one such name adding to the list is Axis Bank. Moreover, with enormous branches located in the suburbs of the city, the bank is ensuring that it wil be in the reach of all. With over, 2,959 branches along with 12,743 ATMs situated at diverse places of the country, there is no denying the fact that Axis is here to rule the banking sector.
Be it Mortgage Loans, Private Banking, Finance & Insurance, Investment Banking, Private Equity, Consumer Banking,Wealth Management, Credit Cards and Corporate Banking, this lender provides the best of products to give its customers the best banking experience. Since its inception in the year 1993, the bank is striving hard day and night to give all its esteemed customers an unforgettable experience to cherish lifelong. Right from Retail, NRI, Agri & Rural, Burgundy and Priority Services, Axis Bank’s core objective is to satisfy each customer around the globe with best of its services.
Axis Bank Kochi Branches
| Branch Name | Complete Address | IFSC | MICR | Customer Care |
|---|---|---|---|---|
| Kochi | 41/419, Ground Floor Chicago Plaza, Rajaji Road, Ernakulam, 682035 | UTIB0000081 | 682211002 | 0484-4411006/2/3/4/8/44 |
| Willingdon Island | No. 24/1352, Bristow Road, Willingdon Island, Kochi 682003 | UTIB0000562 | 682211004 | 0484-266 9947/ 9948 |
| Palarivattom, Kerala | Pukalakkat City Centre & Sivadas Tower Near Alapatt Regency, M.K.K. Nair Road Palarivattom, Kochi 682025 Dist. Ernakulam, Kerala | UTIB0000691 | 682211005 | |
| Vytilla, Kochi | Kasmisons Estate, Janatha Junction, Vytilla Kochi, Dist. Ernakulam Kerala, Pin 682019 | UTIB0000827 | 682211006 | 0484-4433000/ 01/ 02 |
| Thrikkakara | X / 110 - E 1, Valiyakulangara Buildings, Opposite C.S.E.Z., Seaport - Airport Road, Kakkanad, Kochi - 682 037.Kerala State | UTIB0001161 | 682211008 | 0484 4433775 / 776 / 777 / 778 / 0484-2424779 |
| Ravipuram, Kochi | Door No.39/4609, Ground Floor, Oxford Business Centre, Off. M G Road, Srikandath Road, Ravipuram, Kochi - 682 016, District - Ernakulam, State - Kerala. | UTIB0001459 | 682211009 | 097475 41455 |
| Panampilly Nagar, Kochi | No. 27 / 704, A/A1/B/B1, G - 282, Panampilly Nagar, Main Avenue, Kochi - 682 036. Dist. Ernakulam, State - Kerala | UTIB0001499 | 682211010 | 098952 13609 0 |
| Service Branch, Kochi | V Floor, Chicago Plaza, Kochi - 682 035. Dist - Ernakulam. State - Kerala | UTIB0001509 | 682211001 | 0484 - 44110148 / 4411019 / 4411021 0 |
| Kalamassery | R.S. No.505/3, Pathadi Palam, South Kalamassery, Kochi - 682033 Ernakulam , Kerala. | UTIB0001647 | 682211011 | |
| Kaloor, Kochi | Door No. 36/2692 - F, Shamna Towers, K K Road, Kaloor, Kochi - 682 017 District : Ernakulam State : Kerala | UTIB0001904 | 682211012 | 0484 - 2343438 |
| Vennala | Nedumkallel Estate 33 144 A Civil Lane Road Edappally Post Kochi Ernakulam Pin 682024 | UTIB0002748 | 682211014 | 8589027481 |
| Thevara | Survey No10832 10092 Pandit Karuppan Rd Thevara Kochi Pin 628013 | UTIB0002991 | 686211015 | 9447806000 |
Products Offered by Axis Bank in Kochi
Be it education loan, personal loan, home loan , loan against property or car loan, Axis Bank deals into all, hence ensures that all your financial needs can easily be fulfilled in the least time frame. But, before you avail any of the product offered by the bank, it is important to know these products in detail such as their eligibility criteria, loan amount offered, tenure, charges, etc so as to avoid the hassle in the future.
Basic Details of Axis Bank Loans
| Product | Eligibility | Interest Rate (in p.a.) | Loan Amount | Tenure | Processing Fee |
|---|---|---|---|---|---|
| Home Loan | Salaried: Inividuals working in a Government or renowned Companies. The age of the applicant/s should be 21 years at the time of taking a loan and upto a age of 60 or superannuation, whichever, is earlier at the time of loan maturity. Professionals: If you a Doctor, Engineer, CA, Dentist, Architect,CS,Cost Accountant or Management Consultant, you are eligible to apply for a home loan. The age of the applicant/s should be 21 years at the time of taking a loan and upto a age of 65 or superannuation, whichever, is earlier at the time of loan maturity. Self-employed: Individual filling an income tax return can easily apply for ahome with Axis Bank. The age of the applicant/s should be 21 years at the time of taking a loan and upto a age of 65 or superannuation, whichever, is earlier at the time of loan maturity. | 8.75% - 9.15% | ₹ 3 Lakh-150 Lakh (depends on combined income) | 30 Years | Upto 1% of the loan amount |
| Personal Loan | If you a salaried employee, doctor or employee of public & private limited companies or Government sector employee, you can apply for a personal loan with the bank. The age of the applicant/s should be 21 years at the time of taking a loan and 60 years at the time of loan maturity. The minimum monthly income of the applicant should be ₹15,000. | 10.49% - 21.00% | ₹50,000-15,00,000 | 12-60 Months | 1.50%-2% of the loan amount + Service Tax |
| Car Loan | Salaried The applicant must be 21 years of age at the time of taking a loan and upto 70 years of age at the time of loan maturity. Minimum net annual salary of individual should be ₹2,40,000 p.a. His/her income eligibility should be based on Form 16 and latest salary slip. He/she should have minimum 1 year of continuous employment. Self-employed Individuals The applicant must be 21 years of age at the time of taking a loan and upto 75 years of age at the time of loan maturity. The applicanr must have a minimum business income of | 7.45% - 14.50% | ₹ 1Lakh-Upto 85% on road-funding | Upto 7 Years | ₹3,500-5,500 |
| Loan Against Property | Salaried An individual who is into permanent Government service or renowned company The applicant must be 24 years of age at the time of loan commencement. Self-employed Any individual filing Income Tax returns can apply The applicant should be above 24 years of age at the time of loan commencement and upto 65 years at the time of maturity Self-employed Professionals All self-employed professional such as doctors, engineers, dentists, architects,CA, cost accoutants, CS and management consultants can easily apply. Lease Rantal Discounting(LRD) All resident individuals can apply. The lessee must however be a company as defined under the Companies Act, 1956. Funding will be done only against ready commercial property. The same will be restricted to 85% of the net present value of the future rentals or 50% of the value of property, whichever is lower. | 11.40%-12.10% | ₹2,00,000-500,00,000 | 15 Years | 1% of the loan amount+service tax |
| Education Loan | Students who have taken admission in courses such as engineering,medicine, management,etc at graduate and post-graduate level are eligible to apply for a loan. The applicant/s should have scored atleast 50% marks during HSC and Graduation. Students those who have secured admission in India or Abroad through entrance test / Merit based selection process post completion of HSC can apply. | 15.50%-17.50% p.a.,15%-17% (for girl child) | ₹50,000-20,00,000(for studies in India), 30,00,000(for studies in abroad) | Nil |
Documents Required
| Product | Documents |
|---|---|
| Home Loan | Salaried Identity Proof: Valid passport/Voter’s ID/Valid Driving license with photo graph /Pan card /Aadhar card Income Proof: Latest 3 months salary slip / certificate for fixed salary/Latest Form 16 Last 6 months bank statement/Passbook of the salary account Residence Proof: Latest Electricity bill/ utility bill/ piped gas bill/ telephone bill/ Passport/ Registered lease Agreement with a utility bill in the name of landlord. Self-employed Identity Proof: Valid passport/Voter’s ID/Valid Driving license with photo graph /Pan card /Aadhar card Income Proof: IT- returns for the last 2 years along with computation of income certified by CA Last 6 months Bank statement for operative account both personal and business Residence Proof: Latest Electricity bill/ utility bill/ piped gas bill/ telephone bill/ Passport/ Registered lease Agreement with a utility bill in the name of landlord. |
| Personal Loan | Application form Photograph Age proof ID proof Income proof Bank statement Residence proof Signature verification proof Post-sanction / pre-disbursement documentation Loan Agreement duly signed Standing Instruction (SI) Request / ECS Form. Security Cheques required for SI and ECS Qualification or registration proof required for doctors, architects, CA, CS, ICWA, MBA consultant, engineers may vary from customer to customer |
| Car Loan | Age proof ID proof Application form Photograph Residence proof Income proof Bank statement Signature verification proof Pro-forma Invoice or Rate List Car Valuation report RC copy in case of refinance Post-sanction, Pre-disbursement Documentation: Loan Agreement duly signed along with RTO set Standing Instructions (SI) Request/ECS Form/Post Date Cheques (PDCs) – Security Cheques are required for SI and ECS |
| Loan Against Property | Identity Proof- VoterID/DL/PAN Card/Photo Credit Card Income Proof- IT Returns sof last 2 years/Last 6 months bank statements/Last 2 years computation of income by CA Residence Proof -Bank account statement/Latest Utility Bill/Latest NSC/Latest LIC/Insurnace Premium Receipt Guarantor Form Copy of lease agreement for all lease rental discounting cases |
| Education Loan | Identity Proof: Passport/VoterID/DL/PAN Card/Government Department ID Card Latest salary slip showing all deductions or Form 16 along with recent salary certificate. IT returns of the last 2 years and computation of income of last 2 years certified by a Chartered Accountant. Residence Proof : Bank account statement/Latest Utility Bill/Latest Credit Card Statement/Existing House Lease Agreement Bank Statement/Passbook of Last 6 Months. Guarantor Form (optional) Copy of admission letter or the Institute along with Fees schedule Mark sheets/pass certificates of S.S.C., H.S.C, Degree courses |