Central Bank of India Lucknow

Banks 113 views

About Central Bank of India

The Central Bank of India was incorporated in the year 1911 with the vision to emerge as a strong, vibrant and pro-active Bank/Financial Super Market. The bank positively contributes to the emerging needs of the economy through consistent harmonization of human, financial and technological resources and effective risk control systems. The aim of the bank is to deliver the best quality banking service to the customers and enhance their banking experience. It is one of the 19 public sector banks in India to get recapitalisation finance from the Indian government.
The bank nationalized in 1969 and continued to initiate new plans and policies so as to meet the emerging requirements of the people. In 1976, the bank established its Merchant Banking Cell.
It has been playing an active role in promoting key economical areas of agriculture and MSME units. The bank helps them by extending financial assistance and provides easy credits at reasonable rates. The bank provides the apt financial guidance and encourages the people to save by paying attractive returns on the deposits. It has launched the home savings safe deposit scheme and deposit insurance benefit scheme for the benefit of the customers. The details of all the loan and investment products are given below.

Address of Central Bank of India Branches in Lucknow

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

Branch NameComplete AddressIFSC CodeMICR CodeContact Number
Lucknow Main
72, Hazratgabj Lucknow - 226001CBIN02801392260160020522-2616063
Alambagh, LucknowTalkatora Rd., AlambaghCBIN02801402260160030522-2455057 / 9072
Aminabad, Lucknow

P.B.No 14, Aminabad, 166/11, Aminudaula Park, LucknowCBIN02801412260160050522-2629947
Faizabad Rd. Lucknow
Opp. Police Hospital, Faizabad Road, LucknowCBIN02801422260160100522-2326555
Chowk, Lucknow

310/2, Gole Darwaja Road, Near Kotwali Chowk, LucknowCBIN02801432260160080522-2255418
Naka Hindola, LucknowNaka Hindola, LucknowCBIN02801442260160150522-2682484
Vivekanand Polyclinic, Lucknow
Behind Vivekanand Polyclinic Hospital, LucknowCBIN02801452260160170522-2788073
Subhas Marg, Lucknow86, Subhash Marg, LucknowCBIN02813592260160160522-2265230
Cantt. Road LucknowCantt. Road LucknowCBIN02815712260160070522-2611098
Nakhas, Lucknow
299/58, Nazeer Building, Nakhas, LucknowCBIN02815932260160140522-2260039
Manak Nagar, LucknowR.D.S.O., Manak Nagar, LucknowCBIN02817222260160130522-2456960
Ahibannapuir, Lucknow
Mausam Bagh, Sitapur Road, LucknowCBIN02818322260160040522-2757745
Mahanagar, LucknowB - 54, Mahanagar Extension, LucknowCBIN02821482260160120522-2321418, 0522-2389481,
Joppling Road
25/A, Joppling Road, LucknowCBIN02827682260160110522-2207107
BO Lucknow

73, Hazratganj, Lucknow - 226001, Uttar PradeshCBIN02831652080160021800 200 1911
Gomti Nagar, Lucknow
4/275, Vineet Khand, Gomti NagarCBIN02833052260160200522-2726887
Rajaji Puram

E - 2203, Rajajipuram, First Floor, Lucknow - 226017CBIN02834042260160210522-2411799
Uttar Pradesh State Road Transport Corporation, Lucknow (UPSRTC)
UPSRTC Extn Counter, Uttar Pradesh Rajya Sadak Parivahan Nigam Mukhyalaya, Tehri Kothi, Lucknow - 226001CBIN00101392260160020522-2615988
Sahkari Ganna Vikas Samiti Ltd.barabanki

Extn Counter, Ganna Vikas Samiti, Court Road, Barabanki - 225001CBIN0010146NON-MICR05248-227433
Eram Intermediate College, C Block Indira Nagar
Eram Intermediate College, C - Block, Indira Nagar LucknowCBIN0283705NON-MICR0522-2310710
St. Fidelis High School, Church Road, Aliganj, LucknowSt Fidelis High School, Church Road, Vishnupuri, Aliganj 226022CBIN0283717NON-MICR0522-2322830
Aliganj

B - 1/49, Sector - P. Aliganj, Lucknow, Pincode: 226021CBIN0283653NON-MICR
1800 200 1911
Ashiyana

K - 1186, Opp, Ashiana Police Station, Ashiana, Pincode: 226012CBIN0283652NON-MICR
1800 200 1911
Deva Road Ind.area, Lucknow

At Deva Road Industrial Area, Matiyari Chauraha, Post Chinhat, Pincode: 227105CBIN02830772260160090522-2815835
Indira Nagar

14/38, Sector 14, Indira Nagar, Lucknow, Pincode: 226016CBIN0283683NON-MICR
1800 200 1911
Krishna Devi Girls Degree College, Alambagh

Krishna Devi Girls Degree College, Alambagh, Kanpur Road, Singarnagar, Pincode: 226005CBIN02833012260160190522-2450910
Bakshi Ka Talab LucknowBakshi Ka Talab, Pincode: 227202CBIN028101522601600605212-298221
Asset Recovery Branch, Lucknow

First Floor, Akashdeep, 23 Vidhan Sabha Marg, LucknowCBIN0283753NON-MICR
0522-22611301
Central Command HQ. Lucknow

Central Command HQ.central Command Canteen, 5, Usman Road, Luck Now, Dist - Lucknow, Uttar Pradesh - 226001CBIN0011571NON-MICR
522-2296945
I.I.M. Lucknow

Indian Institute Of Management, IIM Campus, Luck Now, Dist - Lucknow, Uttar PradeshCBIN0283936NON-MICR
522-2736122
Sarojini Nagar, Lucknow

Gauri Bazar, Sarojini Nagar, Kanpur Road, Lucknow, UP - 226008CBIN0283745NON-MICR
1800 200 1911
Non Conventional Energy Development Agency, LucknowVibhuti Khand, Gomatinagar, Dist - Lucknow, Uttar Pradesh - 226001CBIN0283946NON-MICR
522 - 2720690
Colvin Taluqdars College

Colvin Taluqdars College, University Road, Luck Now, Dist - Lucknow, Uttar Pradesh - 226001CBIN0283754NON-MICR
522-2782667
UPSRTC, Lucknow

UPSRTC Extn Counter, Uttar Pradesh Rajya Sadak Parivahan Nigam Mukhyalaya, Tehri Kothi, Lucknow - 226001CBIN0283901NON-MICR
522-2215988
Sahkari Ganna Vikas Samiti Ltd. Lucknow

Extn Counter, Ganna Vikas Samiti, Court Road, Barabanki - 225001CBIN0283948NON-MICR
05248-227433
Lucknow Zonal Office

P.B. No: 10, Akash Deep, 23, Vidhan Sabha Road Dist - Lucknow Uttar Pradesh - 226001CBIN0281112NON-MICR
0522-2611301-4
Lucknow Regional Office

1st Floor, 72, Mahatma Gandhi Road, Hazratganj Dist - Lucknow, Utar Pradesh - 226001CBIN0282061NON-MICR0522-2616063
Mid Corp FIN BR, Lucknow

72, M.G. Marg, Hazratganj, Lucknow, U.P. Pincode - 226001CBIN0284116NON-MICR
9792216940, 9918002158
Jankipura Extension

C/O Shri Umesh Prasad Tiwari, 7/743, Sector 7, Jankipuram Extension, Lucknow 226021CBIN0285006NON-MICR
22637966

Products Offered by Central Bank of India in Lucknow

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

You May Also Read