Bandhan Bank Guwahati

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About Bandhan Bank 

The last two years has been the most happening for a non-banking finance company that got converted into a bank. Yes, the talk is in reference to Bandhan Bank, which got the go-ahead from the sector regulator Reserve Bank of India (RBI) in June 2015. Prior to that, it had given in-principle approval in April 2014. Two months after the final approval, Bandhan Bank got into existence. It now operates as a wholly-owned subsidiary of Bandhan Financial Holdings Limited. Union Finance Minister Arun Jaitley had cut the ribbon to inaugurate Bandhan Bank in August 2015. 

At the very beginning, the bank started the operation with 501 branches, 50 ATMs and 2,022 Doorstep Service Centres (DSCs). These numbers have increased considerably to over 800, 270 and 2,400, making all the efforts to expand its base across the country. The bank is fulfilling the financial objectives of more than 1 crore customers in India. 

The bank is backed by shareholders-Small Industries Development Bank of India (SIDBI), International Finance Corporate, Bandhan Employee Welfare Trust, Caladium Investment Pte. Ltd. 

The bank, as you would know, is a service provider for both depositors and borrowers looking to fulfill their dream. What catches the eye of depositors is 4.25%-65 interest rate on their savings account with Bandhan Bank, more than 4% that is being offered by many banks in India. 

The bank is looking to expand its wings across most parts of India-Urban, Semi-urban and rural through customized services that could address the requirements. 

The bank runs its headquarters in Kolkata and the most prominent north-eastern centre from there is Guwahati, the capital of Assam. The people of Guwahati can look to avail the services from the various branches that are located in the city. If you are unaware of the branches of Guwahati, these are some you can go to meet your requirements. Check out the table below with information on Guwahati branches. 

Bandhan Bank Guwahati Branches 

Branch NameComplete AddressIFSCMICRContact Detail
DoigrungVillage 2 No. Doigrung, P.O.Letekujan, Golaghat, Guwahati, AssamBDBL00010957857505020361-66090909
ChalantaparaVill.& P.O. Chalantapara, Jogighopa, Dist.Bongaigaon,Guwahati, Assam-783382BDBL00011157837505039707271416
Chandrapur Vill Chandrapur P.O & Dist Hailakandi, Guwahati, Assam -788163BDBL00011167887505058876173207
Dahali HaligaonVillage Dahali Haligaon, P.O.Batarhat, Guwahati, Assam-781122BDBL00011207817505029854648945
DhoparguriVillage Dhoparguri, P.O.Hajo, Guwahati, Assam-781102BDBL00011277817505039954983964
DudhnoiVillage Thekasupart-I, P.O Dudhnoi, Dist.Goalpara, Guwahati, Assam-783124BDBL00011287837505057663913700
Kakratoli1st Floor, H/O Dipak Gupta, Village Kakratoli, P.O.Talap, Doom Dooma, Guwahati, Assam-786156BDBL00011507867505020361-66090909
Kaldoba Village Kaldoba Part-II, P.O. Agomani, District Dhubri, Guwahati, Assam-783335BDBL00011517837505029707087925
KendukonaVillage Kendukona, P.O.Puthimari, Guwahati, Assam-781380BDBL00011567817505040361-66090909
MundamalaVillage Mundamala P.O. Patharkandi, Dist.Karimganj, Guwahati, Assam-788724BDBL00011737887505040361-66090909
Na-AliVillage Na-Ali, Po & Dist.Sivasagar, Guwahati, Assam-785640BDBL00011757857505088822548784
NaharkatiaNaharkatia Moran Bus Stand, P.O.- Naharkatia, Guwahati, Assam-786610BDBL00011777867502527086019766
NaziraWard No-9, Nazira Town, P.O. Nazira, Guwahati, Assam-785685BDBL00011787857502028472908430
RangiaWard No.04, Nt Road Near Jama Masjid, P.O. Rangia, Guwahati, Assam-781354BDBL00011887817503029436768884
MALPUTAVillage Malputa, P.O. Manipur, District Morigaon, Guwahati, Assam-782105BDBL00012107827505049613970555
TezpurMahabhairab Road, Opposite Darrang College, P.O.Tezpur, Dist.Sonitpur, Guwahati, Assam-784001BDBL00012167847500020361-66090909

Products Offered by Bandhan Bank in Guwahati 

Are you looking to avail loans in Guwahati? What are the types of loans you want? What are your wishes? Is it buying a home or a vehicle? Do you want instant cash to serve the emergency purposes? All that and more can be achieved through various loans such as a two-wheeler loan, commercial vehicle loan, home loan and others. So, taste the slice of these products as the details are charted out in the table below. 

Basic Details of Bandhan Bank Loans in Guwahati 

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 capability10.20%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 to be Submitted to Get Loans from Bandhan Bank in Guwahati 

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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