Bandhan Bank Patna

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About Bandhan Bank 

The story of Bandhan Bank is interesting in every respect of the word. Just as India was voting to elect the new government for the 2014-19 period, the news of Bandhan Bank had given some fodder to business journalists to write on amid a huge election environment. It’s the in-principle approval from the Reserve Bank of India for the setting up of Bandhan Bank in April 2014 that gained the hype in the business circles across the country. Then followed was Bandhan Bank’s incorporation as a wholly-owned subsidiary of Bandhan Financial Holdings in Dec 2014. Bandhan, which was earlier a finance company, had to wait for another six months for the final RBI nod to come.

Finally, in a ceremony held in August 2015 in Kolkata, Bandhan Bank was made live before the world. It was Finance Minister Arun Jaitley who had inaugurated the bank in front of the bank officials. It signaled the wave of inclusive banking in India. How? The bank entered the arena with 501 branches, 50 ATMs and 2,022 doorstep service centres (DSCs). But within 2 years, it has increased its size significantly higher. More than 300 branches and 200 ATMs have been added to the list, while there is an increase of 400 DSCs.  

The bank is working extensively to reach to the unreached ones in terms of banking services. From top-tier cities, smaller cities, towns to even villages-Bandhan Bank has touched upon every sphere of the country. With the launch of a branch in Jammu recently, it has now gained presence across all the Indian states. 

The bank propels along nicely on the back of support coming from its shareholders that include the biggies like International Finance Corporation (IFC), Small Industries Development Bank of India (SIDBI), and Caladium Investment Pte. Ltd. The shareholder list expands to Bandhan Employee Welfare Trust and few more individuals. 

The capital city of Bihar Patna also has the services from Bandhan Bank coming its way. To avail its services, you must know the branch locator, right! There are two branches of Bandhan Bank in Patna. You can know the address, IFSC and MICR of Bandhan Bank branches in Patna. 

Bandhan Bank Patna Branches

Branch NameComplete AddressIFSCMICRContact Detail
KankarbaghDoctor S Colony, Lohianagar, Kankarbagh, Patna, Bihar-800020BDBL00011528007500039102963581
Boring RoadBoring Road, Near Krishna Apartment, Shree Krishnapuri Thana, Patna, Bihar-800001BDBL00014428007500029934828840

Products Offered by Bandhan Bank in Patna 

Craving for a home in Gandhi Maidan? Do you want to ride your own bike on the busy streets of Patna? Do you want loan against the rent receivables? Your search finishes with Bandhan Bank, which through its products, can be a big help to your dream accomplishment. You can avail a home loan, bike loan, loan against property, loan against rent receivables, and much more. Want to see the details of these loans? See those in the below table. 

Basic Loan Details of Bandhan Bank in Patna

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 capability10.45%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 Needed to Avail Loans from Bandhan Bank in Patna

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.

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