Bandhan Bank Gurugram

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About Bandhan Bank

After years of wait came the glorified moment for Bandhan Financial Services, which got the in-principle approval from the Reserve Bank of India (RBI), the sector regulator, to set up a bank in April 2014. A year later came the final approval in June 2015. Finally, it was Dec 2015 when Bandhan Bank was born as the wholly-owned subsidiary of Bandhan Financial Holdings Limited. Amazing development. And what was amazing was the fact that the inauguration of the bank happened with as many as 501 branches. 50 ATMs and 2,022 Doorstep Customer Service Centres (DSCs) on August 2015. The bank was inaugurated by the current Finance Minister Arun Jaitley in Kolkata.

Since the core ideology of the bank is to bring a large number of customers under its umbrella, it has expanded its reach significantly in the two years time. Now, it runs over 800 branches, 279 ATMs and 2,427 DSCs, clearly showing the intent to tap a large number of consumers. It’s only two years and the progress has been impressive, to say the least. Years down the line, it could well be at par with many more commercial banks that are there in India’s geographical landscape.

The company’s shareholders include top-notch public sector firms, which include the likes of Small Industries Development Bank of India (SIDBI), International Finance Corporation (IFC), Caladium Investment Pte. Ltd. While other shareholders include Bandhan Employees Welfare Trust and some individuals.

The significant part of the bank is the attractive interest rates that it offers on a savings bank account. On balance of more than ₹ 1 lakh, the interest rate offered is 6% per annum. While on an amount upto ₹ 1 lakh, it is 4.25% p.a.

The bank aims to provide superior banking services to customers located across the country. Be it the urban locations like Mumbai, Delhi, Kolkata or semi-urban like Muzaffarpur in Bihar, the bank is catering to the service requirements of people staying in all the locations.

The bank has its headquarters in Kolkata. It also has a branch in the Cyber City Gurugram, a hub of top corporate offices belonging to both domestic and international firms. Looking to maximize the business of corporates and retail clients, Bandhan Bank has established a branch here. If Gurugram is where you are staying and want to taste the slice of Bandhan Bank, get down to the branch stated below.

Bandhan Bank Gurugram Branch

Branch NameComplete AddressIFSCMICRContact Detail
Sector 15 BranchSCO 56 Old Judicial Complex, Civil Lines, Sector 15, Haryana, Gurugram-122001BDBL0001348 1107500030124-66090909

Products Offered by Bandhan Bank in Gurugram

On both deposits and loans, Bandhan Bank has custom products to fit the taste of many. While depositors can serve their needs by opening savings, current and fixed deposit accounts, the loan seekers have a plenty to pick from. Loans such as two-wheeler loan, home loan, loan against property, business loan, commercial vehicle loan and much more. The loans can match your requirements to the fullest. However, before choosing any of the products, do not forget to read out the details as they come in front of you.

Basic Details of Bandhan Bank Loans in Gurugram

ProductEligibilityLoan amount
Interest Rate
Processing FeeTenure
Home LoanMinimum age for application-23 years

Maximum age permitted at the time of loan maturity-65 years
Depends upon your income and repayment capability10.38%1% of the loan amount+plus applicable taxes

Minimum- ₹ 5,000+plus applicable taxes
15 Years
Two-Wheeler LoanMinimum age for application-23 years

Maximum age permitted at the time of loan maturity-65 years
₹ 10,000-1,50,000Linked to MCLR3% of the loan amount+plus applicable taxes1-3 Years
Loan Against PropertyMinimum age for application-23 years

Maximum age permitted at the time of loan maturity-65 years
Depends upon your monthly or disposable income as well as other conditionsVaries from individual to individual1% of the loan amount+plus applicable taxes

Minimum- ₹ 5,000+plus applicable taxes
Upto 15 Years
Loan Against Term DepositTerm deposit account holders can avail the facilityA maximum of 90% of the term deposit amountLinked to MCLRZero processing feeUpto 3 Years
Samriddhi Business LoanAvailable for individual, prorietory or partnership firms

Minimum age for application-23 years

Maximum age permitted at the time of loan maturity-60 years

A minimum of 2-year vigil in the same line of business is needed. However, new entrepreneurs can also be eligible.
Upto ₹ 25,00,000 Linked to MCLR1% of the loan amount+plus applicable taxesUpto 5 Years
Equipment LoanAvailable for individual, prorietory or partnership firms

Minimum age for application-23 years

Maximum age permitted at the time of loan maturity-60 years

A minimum of 2-year vigil in the same line of business is needed. However, new entrepreneurs can also be eligible.
Upto ₹ 10,00,000Linked to MCLR1% of the loan amount+plus applicable taxesUpto 5 Years
Commercial Vehicle LoanAvailable for individual, prorietory or partnership firms

Minimum age for application-23 years

Maximum age permitted at the time of loan maturity-60 years

A minimum of 2-year vigil in the same line of business is needed. However, new entrepreneurs can also be eligible.
Upto ₹ 10,00,000Linked to MCLR1% of the loan amount+plus applicable taxesUpto 5 Years
Working Capital LoanMSMEs running into profitsDepends on the bank's assessment regarding your repayment capability Linked to MCLR1% of the loan amount+plus applicable taxesRepayable on demand
Term LoanAvailable for individual, prorietory or partnership firms

Minimum age for application-23 years

Maximum age permitted at the time of loan maturity-60 years

A minimum of 2-year vigil in the same line of business is needed. However, new entrepreneurs can also be eligible.
As per the bank's assessment regarding your repayment capability Linked to MCLR1% of the loan amount+plus applicable taxesUpto 7 Years

Documents Required to Avail Loans from Bandhan Bank in Gurugram

ProductDocuments
Home LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Details of property you look to buy & construct
Two-Wheeler LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Quotation or proforma invoice of vehicle you want to buy
Loan Against PropertyIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Details of property to be mortgaged
Loan Against Term DepositNo additional documents required from the KYC proofs which you would have submitted while opening term deposit account
Samriddhi Business LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 2Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Trade License applicable to a proprietor/partnership firm

Ownership documents, if any, of the security

Copy of Partnership deed/Memorandum of Association (MOA and Articles of Association (AOA) or other documents. These documents apply in the case of partnership firm or a company
Equipment LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 2 Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Trade License applicable to a proprietor/partnership firm

Ownership documents, if any, of the security

Copy of Partnership deed/MOA and AOA or other related documents. These documents apply in the case of partnership firm or a company.
Commercial Vehicle LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 2 Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Trade License applicable to a proprietor/partnership firm

Ownership documents, if any, of the security

Copy of Partnership deed/MOA and AOA or other related documents. These documents apply in the case of partnership firm or a company.

Proforma Invoice Copy
Working Capital LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Trade License applicable to a proprietor/partnership firm

Ownership documents, if any, of the security

Copy of Partnership deed/MOA and AOA or other related documents. These documents apply in the case of partnership firm or a company.
Term LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Trade License applicable to a proprietor/partnership firm

Ownership documents, if any, of the security

Copy of Partnership deed/MOA and AOA or other related documents. These documents apply in the case of partnership firm or a company.

 

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