Bandhan Bank Guwahati
Last Updated : Feb. 21, 2017, 6:52 p.m.
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 Name | Complete Address | IFSC | MICR | Contact Detail |
|---|---|---|---|---|
| Doigrung | Village 2 No. Doigrung, P.O.Letekujan, Golaghat, Guwahati, Assam | BDBL0001095 | 785750502 | 0361-66090909 |
| Chalantapara | Vill.& P.O. Chalantapara, Jogighopa, Dist.Bongaigaon,Guwahati, Assam-783382 | BDBL0001115 | 783750503 | 9707271416 |
| Chandrapur | Vill Chandrapur P.O & Dist Hailakandi, Guwahati, Assam -788163 | BDBL0001116 | 788750505 | 8876173207 |
| Dahali Haligaon | Village Dahali Haligaon, P.O.Batarhat, Guwahati, Assam-781122 | BDBL0001120 | 781750502 | 9854648945 |
| Dhoparguri | Village Dhoparguri, P.O.Hajo, Guwahati, Assam-781102 | BDBL0001127 | 781750503 | 9954983964 |
| Dudhnoi | Village Thekasupart-I, P.O Dudhnoi, Dist.Goalpara, Guwahati, Assam-783124 | BDBL0001128 | 783750505 | 7663913700 |
| Kakratoli | 1st Floor, H/O Dipak Gupta, Village Kakratoli, P.O.Talap, Doom Dooma, Guwahati, Assam-786156 | BDBL0001150 | 786750502 | 0361-66090909 |
| Kaldoba | Village Kaldoba Part-II, P.O. Agomani, District Dhubri, Guwahati, Assam-783335 | BDBL0001151 | 783750502 | 9707087925 |
| Kendukona | Village Kendukona, P.O.Puthimari, Guwahati, Assam-781380 | BDBL0001156 | 781750504 | 0361-66090909 |
| Mundamala | Village Mundamala P.O. Patharkandi, Dist.Karimganj, Guwahati, Assam-788724 | BDBL0001173 | 788750504 | 0361-66090909 |
| Na-Ali | Village Na-Ali, Po & Dist.Sivasagar, Guwahati, Assam-785640 | BDBL0001175 | 785750508 | 8822548784 |
| Naharkatia | Naharkatia Moran Bus Stand, P.O.- Naharkatia, Guwahati, Assam-786610 | BDBL0001177 | 786750252 | 7086019766 |
| Nazira | Ward No-9, Nazira Town, P.O. Nazira, Guwahati, Assam-785685 | BDBL0001178 | 785750202 | 8472908430 |
| Rangia | Ward No.04, Nt Road Near Jama Masjid, P.O. Rangia, Guwahati, Assam-781354 | BDBL0001188 | 781750302 | 9436768884 |
| MALPUTA | Village Malputa, P.O. Manipur, District Morigaon, Guwahati, Assam-782105 | BDBL0001210 | 782750504 | 9613970555 |
| Tezpur | Mahabhairab Road, Opposite Darrang College, P.O.Tezpur, Dist.Sonitpur, Guwahati, Assam-784001 | BDBL0001216 | 784750002 | 0361-66090909 |
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
| Product | Eligibility | Loan amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| Home Loan | Minimum age for application-23 years Maximum age permitted at the time of loan maturity-65 years | Depends upon your income and repayment capability | 8.65% - 13.00% | 1% of the loan amount+plus applicable taxes Minimum- ₹ 5,000+plus applicable taxes | 15 Years |
| Two-Wheeler Loan | Minimum age for application-23 years Maximum age permitted at the time of loan maturity-65 years | ₹ 10,000-1,50,000 | Linked to MCLR | 3% of the loan amount+plus applicable taxes | 1-3 Years |
| Loan Against Property | Minimum 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 conditions | Varies from individual to individual | 1% of the loan amount+plus applicable taxes Minimum- ₹ 5,000+plus applicable taxes | Upto 15 Years |
| Loan Against Term Deposit | Term deposit account holders can avail the facility | A maximum of 90% of the term deposit amount | Linked to MCLR | Zero processing fee | Upto 3 Years |
| Samriddhi Business Loan | Available 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 MCLR | 1% of the loan amount+plus applicable taxes | Upto 5 Years |
| Equipment Loan | Available 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 ₹ 10,00,000 | Linked to MCLR | 1% of the loan amount+plus applicable taxes | Upto 5 Years |
| Commercial Vehicle Loan | Available 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 ₹ 10,00,000 | Linked to MCLR | 1% of the loan amount+plus applicable taxes | Upto 5 Years |
| Working Capital Loan | MSMEs running into profits | Depends on the bank's assessment regarding your repayment capability | Linked to MCLR | 1% of the loan amount+plus applicable taxes | Repayable on demand |
| Term Loan | Available 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 MCLR | 1% of the loan amount+plus applicable taxes | Upto 7 Years |
Documents to be Submitted to Get Loans from Bandhan Bank in Guwahati
| Product | Documents |
|---|---|
| Home Loan | Identity 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 Loan | Identity 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 Property | Identity 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 Deposit | No additional documents required from the KYC proofs which you would have submitted while opening term deposit account |
| Samriddhi Business Loan | Identity 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 Loan | Identity 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 Loan | Identity 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 Loan | Identity 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 Loan | Identity 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. |