Central Bank of India Guwahati

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About Central Bank of India

Central Bank of India is the government-owned bank that was established in the year 1911. The bank was nationalized in the year 1969 and since then has spread a vast network of branches in the country. The bank branches and ATMs are present in 29 states and 6 Union territories. It has 4,741 branches and around 5,000 ATMs spread across the length and breadth of the nation. It even has 1 extension counter and 10 satellite offices at various locations. Due to the large distribution network, the bank can truly be described as the All India Bank.
Moreover, this bank was the first commercial bank that was fully owned and managed by the Indians. The aim behind setting up the bank was to provide best banking services to the customers and enhance their banking experience. To attain the same the bank has been incorporating a number of innovative and special banking activities. It introduced home savings safe deposit scheme in the year 1921 to build the habit of saving in the people. It also lends funds under multiple loan schemes to fulfill the arising financial needs of its customers. The customer oriented management and staff are another strength that helps in building the trust of the people.

Address of Central Bank of India Branches in Guwahati

The complete address, IFSC Code, MICR Code and customer care details of Central Bank of India branches located in Guwahati is mentioned in the table below:

Branch NameComplete AddressIFSC CodeMICR CodeContact Number
Guwahati

Rahman Manzil, Ist Floor, Pan Bazar, Guwahati - 781001, Dist: KamrupCBIN02800017810160020361-2540483, 0361-2605450
Dispur Gauhati

Babi Market, 1st Floor, G.S. Road, Ganeshguri, Chariali, GuwahatiCBIN02812307810160040361-2204456, 0361-2203015
Fancy Bazar, Guwahati

Babubazar Building, Fancy Bazar, S.S. Road, GuwahatiCBIN02813037810160030361-2592787
Non Business Office Guwahati
CBI Bldg., 1st Floor, Panbazar, H.B.Road, Guwahati - 781001, Dist. Kamrup, AssamCBIN02831997810160011800 200 1911
Ulubari Guwahati

Near Apsara Cinema Hall, G.S. Road, Ulubari, GuwahatiCBIN02832007810160050361-2547765
Fancy Market Guwahati
Suraj Market, P.O. Fancy Bazar, GuwahatiCBIN02832027810160070361-2543593
Dispur Capital Guwahati

Ganeshguri, Chariali, P.O. Sachibalya, Dispur, GuwahatiCBIN02832037810160080361-2261139
Pan Market

Hem Baruah Road, Pan Bazar, Guwahati - 781001CBIN02832097810160120361-2543165
Bhangagarh

CBI Building, Bangagarh, GuwahatiCBIN02832297810160110361-2529781 , 2451790
Barbari

Barbari Chowk, Vip Road, P.O. Hengrabari, Guwahati, AssamCBIN02835187810160180361-2335217
Bhetapara

House No. 44, Bhetpara Chariali, Bhetpara P.O., Guwahati, AssamCBIN02835927810160199864495110
Narangi Cantonment, H.Q. - 51

Rhino Shopping Complex, H.Q. - 51, Sub Area, Narengi Cantonment Area, Narengi, Guwahati 781027CBIN02836707810160200361-2641988
Lal Ganesh

Lal Ganesh Tiniali, Lokra Road, Dist - Kamrup Metro, Assam - 781034CBIN0283591NON-MICR0361-2491946
Maligaon, Guwahati

Maligaon - Pandu Road, P.O. Maligaon, Guwahati, Dist - Kamrup, Assam - 781012CBIN02832047810160090361-2570283
R.G.Barooah Road, Guwahati

P.O.R.G. Baruah Road, Guwahati, Dist - Kamrup, Assam - 781003CBIN02830647810160140361-2456206
Guwahati Regional Office

Central Bank Building, 3rd Floor, Bhangagarh Dist - Kamrup, Assam - 781005CBIN0281152NON-MICR
0361-2451863
Guwahati Zonal Office

G.S.Road, Central Bank Building, Bhangagarh Dist - Guwahati Assam - 781005CBIN0282807NON-MICR
0361-2457651/2457652
CCPC, Guwahati

Zonal Office, 2nd Floor, C.S.Road, Bhangagarh, Guwahati, Assam Pin 781005CBIN0284161NON-MICR
22612008
Six Miles

G.K.Plaza, Six Miles, Guwahati, Pin 781022, Kamrup, AssamCBIN0284213NON-MICR
22612008
Retail Asset Branch

House No.1, First Floor, G.N.B Main Road, Opp. Goswami Services, Silpukhuri, Guwahati-781003, Kamrup, AssamCBIN0284542NON-MICR
022-22612008

Products Offered by Central Bank of India in Guwahati

The Central Bank of India offers multiple loans and investment products that include home loan, personal loan, loan against property, vehicle loan, business loan, education loan and fixed deposits. The product details, eligibility criteria and documents required for each of the product are mentioned below:

Basic Details of Central Bank of India Products

Product NameEligibility CriteriaAmount Interest RateProcessing FeeTenure
Home Loan Eligible Entity – Individuals, group of individuals, salaried employees, self-employed persons, professional, any other person having a legal, identified and regular source of income
Age – The minimum age of the applicant should be 18 years
As per individual's repayment capacity8.30% - 9.30%0.50% of the loan amount subject to maximum ₹ 20,000Maximum – 30 years
Personal LoanPermanent employees of railways, government institutions, central and state government, schools, hospitals, municipal bodies etc .having completed one year of service
or
confirmed/ permanent employees of Indian/ multinational companies having completed minimum 3 years of service
₹ 1,00,000 – ₹ 5,00,00,00010.05% - 12.30%0.50% of the loan amount subject to maximum ₹ 10,0003 – 7 years
Vehicle LoanEligible Category : - Permanent salaried employees/ Self-Employed Persons / Independent Entrepreneurs -Farmers - Non - Indian Residents - Companies, Societies, Proprietorship and Partnership Firms
Age – Minimum age of the applicant should 18 years and maximum 65 years
Minimum Annual Income - For 4 wheeler ₹ 2,40,000, for 2- wheeler - ₹ 1,20,000
For New Car : ₹ 75,00,000
For Used Car: ₹ 10,00,000
For 2- wheeler: ₹ 10,00,000
8.70%-4 - 7 years
Loan Against PropertyMinimum age of the applicant should be 21 years
Maximum age of the applicant should be 70 years
Minimum Gross Income of the applicant should be ₹ 2,00,000
Minimum - ₹ 1,00,000
Maximum - ₹ 5,00,00,000
10% - 12% p.a.
0.50% - 1% of the loan amountUp to 10 years
Business LoanDepends on the scheme availedUp to ₹ 1,00,00,0008.75% - 9.50% p.a.Depends on the loan amountUp to 10 years
Education LoanThe student should be an Indian National
Should have scored as per the marking set by bank
Up to ₹ 20,00,0008.50%- 10.50% p.a.Nil - ₹ 1,000Up to 15 years
Fixed DepositAn individual either solely or jointly
A minor jointly with a major
A minor over the age of 12 years who can read and write and operate the account personally(Maturity value should not exceed ₹ 50,000)
Charitable and educational institutions
HUF
Blind Persons
Illiterate persons
Private Traders, Merchants, Agents, Professionals Partnerships Firms, Companies Clubs, Societies & Corporates
-

4.00% - 6.50%

-7 days - 10 years

Documents Required

Product NameDocuments
Home Loan Duly Filled Application Form with 2 Passport Size Photographs
Sale Deed & Agreement of Sale
Bank Property Valuation Report/Full Cost Estimate
Legal Scrutiny Report, Property Tax Payment Receipt, EC for the Last 13 Years, Khata and Permission for Mortgage
Age Proof - Passport, PAN Card or Any Other Certificate from Statutory Authority
Identity Proof - PAN Card/Passport/Voter ID/ Driving License
Residence Proof - Passport/Driving License/Voter ID/Ration Card/Telephone Bill
Income Proof - Salary Slip/ ITR, Latest Bank Statements
Other Documents - Title Clearance Report from Advocate & Valuation Report Prepared from a Bank Panel Member
Personal LoanLatest Photograph, Photo Identity & Residence Proof of the Applicant & Guarantor
Income Proof - Salary slips for last 3 months, ITR/ Form 16 for last 3 years (for salaried), Last two years profit & loss account and balance sheet, & ITR and Bank statement for last 3 months (for self-employed)
Vehicle LoanAge Proof - Passport/PAN Card/ Voter ID card, Photo Driving License with birth date/Photo ration card with DOB/Employer certificate/ID/School/College Leaving Certificate
Identity Proof - PAN Card/ Voter ID/Passport/Driving License, photograph
Income Proof - Form 16 for last 2 years, Salary slip for last 3 months, proof of employment in the same organisation for two years, salary certificate, bank statement showing salary credit into the account (for salaried), IT returns for the last 2 years along with income computation, bank statement for the last 3-6 months (for self-employed)
Address Proof - Latest Telephone Bill/ Electricity Bill/ Property Tax Receipt/ Passport/ Voter ID
Sign Verification Proof - Driving License/ Passport copy/ PAN Card
Loan Against PropertyApplication form
Financial Statements in case limit is over Rs.10.00 Lakh
Copy of Sales Tax / VAT / any other Tax Registration if applicable
Details of Property offered along with the latest valuation
For existing business, statement of accounts maintained with other Banks
Business LoanProof of Identity: Voter’s ID Card/ Passport/ Driving License/ PAN Card/ Signature identification from present bankers of proprietor, partner of director (if a company)
Proof of residence: Recent telephone bills, electricity bill, property tax receipt /Passport/ Voter’s ID Card of Proprietor, partner of Director (if a company)
Proof of business Address
Last three years balance sheets of the units along with income tax/ sales tax returns etc. (Applicable for all cases from Rs.2 lakhs and above) However, for cases below fund based limits of Rs. 25 lakhs if audited balance sheets are not available, then unaudited balance sheets are also acceptable as per extant instructions of the bank
Copy of Sales tax / VAT /any other Tax Registration
Memorandum and articles of association of the Company/ Partnership Deed of partners etc.
Assets and liabilities statement of promoters and guarantors along with latest income tax returns
Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable
SSI / MSME registration if applicable
Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan (for all cases of Rs.2 lakhs and above)
In case of takeover of advances, sanction letters of facilities being availed from existing bankers/ Financial Institutions along with detailed terms and conditions
Photocopies of lease deeds/ title deeds of all the properties being offered as primary and collateral securities
Position of accounts from the existing bankers and confirmation about the asset being standard with them (Required only in case of takeover)
Education Loan Proof of identity - Passport, Voter ID card, Driving license, PAN card, Government department ID card
Proof of residence - Bank account statement, Latest electricity bill, Latest mobile/telephone bill, Latest credit card statement, Existing house lease agreement
Latest salary slip showing all deductions or Form 16 along with recent salary certificate
Bank Statement/Pass Book of last 6 months
Copy of admission letter or the Institute along with Fees schedule
Mark sheets/pass certificates of S.S.C., H.S.C, Degree courses
Fixed DepositProof of Identity - Passport, Voter ID card, Driving license, PAN card, Government department ID card
Proof of Residence - Bank account statement, Latest electricity bill, Latest mobile/telephone bill, Latest credit card statement, Existing house lease agreement

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