Central Bank of India Kolkata

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About Central Bank of India

Founded by Sir Sorabji in the year 1911, Central Bank of India is the leading name in the banking and financial industry. The bank was nationalized by the Indian Government in the year 1969 and since then it has strived hard to render the quality service to its customers. The bank has settled the consumer’s financial grievances by providing ready-made banking solutions for each of their need. It understands the variant requirements of the people and therefore has developed unique products for each need. The bank introduced home saving safe deposit scheme to meet the savings needs of the people and to promote the habit of saving in all section of society. It also formed an exclusive ladies department to cater to the bank’s women clientele. The facility of safe deposit locker and rupee traveller’s cheque were also introduced by the bank for the comfort of its customer’s. In the year 1962, Central Bank of India incorporated recurring deposit scheme to allow people save as and when they are able to. Also, considering the credit requirement of the people the bank has launched various lending products. It sanctions the loan to the eligible candidates as per their capacity at reasonable rates. The information regarding eligibility, rates and requisite documents is mentioned below.

Address of Central Bank of India Branches in Kolkata

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

Branch NameComplete AddressIFSC CodeMICR CodeContact Number
Ballygunge, Kolkata
157 A, Rash Behari Avenue, Ballygunge, KolkataCBIN0280090700016006033-24643968, 033-24642146
Bow Bazar, Kolkata

156, Bepen Behari Ganguli Street, Baithakhana Market, KolkataCBIN0280091700016008033-23500629
Brabourne Road, Kolkata
5, Synagogue Street, Brabourne Road, KolkataCBIN0280092700016004033-22424247 / 4279, 033-22423636
Camac Street

10, Camac Street Industry House Kolkata - 700017CBIN0280093700016013033-22822184, 033-30919203
College Street, Kolkata1, Bidhan Sarani, KolkataCBIN0280094700016012033-22411401, 033-22198235
Dharamtala, Kolkata68, Dharamtala Street, KolkataCBIN0280095700016015033-22443505, 033-22178679
Kidderpore, Kolkata
3/1, Diamond Harbour Road, Kidderpore, KolkataCBIN0280096700016023033-24793338, 24491129
Esplanade, Kolkata5, Chowringhee Approach, KolkataCBIN0280098700016016033 -22282108
Hatkhola, Kolkata

100, Sovabazar Street, P.O. Hatkhola, KolkataCBIN0280100700016020033-25306526 / 8104, 033-25308104
Grey Street, Kolkata
21 - A, 21 - B, Jatindra Mohan Avenue, KolkataCBIN0280101700016018033-25307167, 033-25332772
Barabazar
178, M G Road, Kolkata - 700007CBIN0280102700016003033-22681255 / 57, 033-22691426
Bhowanipore, Kolkata

86, Shyamaprasad Mukherjee Road, P.O. Kalighat, KolkataCBIN0280103700016005033-24552313, 033-24552442
New Market

10 Nelie Segupta Sarani, Kolkata - 700087CBIN0280105700016027033-22523120, 033-22524941
Manicktalla, Kolkata

142, A & B, Acharya Prafullachandra Road, Manicktalla, KolkataCBIN0280106700016026033-23504698, 033-23547519
Kolkata M.O

Kolkata M.O 33 N S Road, Kolkata - 700001CBIN0280107700016050033-22308921-27/ 2535/ 22310369
Park Street, Kolkata1, Park Street, KolkataCBIN0280108700016029033-22296516
Beliaghata, Kolkata
14, C.I.T. Scheme, VI - (M) Phoolbagan, KolkataCBIN0280109700016007033-23208490/ 23210122
Rabindra Sarani, Kolkata18, Rabindra Sarani, KolkataCBIN0280110700016033033-22253998 / 1547
Shyambazar, Kolkata

11, Bhupendra Bose Avenue, Shyambazar, KolkataCBIN028011170001603825556143
Purba Putiari

70, Gangapuri, P.O. Purba PutiariCBIN0280112700016031033-22296516
Park Circus Kolkata207 - B, Park Street, KolkataCBIN0281041700016032033-22476832
Entally, Kolkata
139 H, Ananda Palit Road, KolkataCBIN0281055700016017033-22448321, 033-22167301
Regent Park Kolkata

131, Netaji Subhas Chandra Bose Road, KolkataCBIN0281075700016042033-24814078
Barrackpore

25, 26 & 27 S.N. Banerjee Road, Chiriamore, BarrackporeCBIN0281090700016064033-25920553
Naihati
47, Arbhindaa Road, P.O. NaihatiCBIN0281099700016070033-25812315
Ghughudanga, Kolkata14, Dum Dum Road, KolkataCBIN0281182700016019033-25568488, 033-25321861
Baranagar, Kolkata
37, Gopallal Tagore Road, KolkataCBIN0281233700016009033-25577495
Jadavpur, Kolkata
26, Raja S.C. Mullick Road, Jadavpur, KolkataCBIN0281247700016022033-24123499, 033-24141707
Kasba, Kolkata
91, R.K. Chatterjee Road, KolkataCBIN0281273700016024033-24423314
Rishra
35, G.T. Road, P.O. RishraCBIN0281315700016058033-26722835
Rahara
Station Road, RaharaCBIN0281347700016063033-25682732, 033-25658585
Titagarh
17, B.T. Road, TitagarhCBIN028134970001606125010743, 25010655
Salt Lake, Kolkata

Block - DD, Plot 13 - 18, Sector - 1, Salt Lake, KolkataCBIN0281353700016045033-23213228, 23371794
Sodepur

Station Road, Sodepur, P.O. SodepurCBIN0281409700016062033-25532555
Belghoria, Kolkata

102, Fedder Road, Belghoria, KolkataCBIN02814537000160111800 200 1911
Belgachia, Kolkata
C - 64/96, Khudiram Bose Sarani, KolkataCBIN0281459700016048033-25645780, 033-25441508,
Singhibagan Chittaranjan Avenue, Kolkata4 & 5 Singhibagan Lane, Kolkata
CBIN0281476700016039033-22693779, 033-22709003
Prince Anwarshah Road, Kolkata392/1, Prince Anwar Shah Road, KolkataCBIN0281663700016035033-24144487
Jorasanko, Kolkata
119, B, Chittaranjan Avenue, KolkataCBIN0281672700016044033-22355094, 033-22343800
Red Cross Place, Kolkata4 & 4/1, Red Cross Place, KolkataCBIN0281713700016041033-22489291/ 22101280, 033- 22480710
Picnic Garden Kolkata

196/E/4, Picnic Garden Road, Picnic Garden, KolkataCBIN0282142700016034033-23434302
NBO KolkataBBD Bag, Kolkata CBIN02823287000160011800 200 1911
Kalyani

A/9/9/S, Kalyani, Post Office KalyaniCBIN0282552700016083033-25829125
Barasat

57/A, North Jessore Road, BarasatCBIN0283412700016074033-25843211
Baruipur

Baroda Complex, Kulpi Road, Kacheri Bazar, Opp.Baruipur Police Station, P.O.BaruipurCBIN0283414700016079033-24335563
Madhyamgram

Pushpangan, 68/9 Madhyamgram, Sodepur Road, P.O.MadhyamgramCBIN0283431700016072033-25268966
Metro Central Railway
53, Central Avenue, Kolkata - 700012CBIN0010102700016003033-22349856

Products Offered by Central Bank of India in Kolkata

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 capacity

8.40%

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 – ₹ 5,00,00,00010.15% - 12.40%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

8.80%

-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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