Top Banks 2024
Central Bank of India Patna
Last Updated : May 12, 2018, 2:54 p.m.
About Central Bank of India
One of the oldest and largest commercial bank, Central Bank of India is a well-known name in the banking and financial industry. It is a government – owned bank that was established back in the year 1911. It was nationalized by the Indian government in the year 1969. The bank has a Pan India presence with branches spread all across the nation. Due to the distribution of its large network in 29 states and 6 Union Territories, it can truly be described as ‘All India Bank’. It holds a chain of 4,741 branches, 5,000 ATMs and 1 extensive counter along with 10 satellite offices at various centres throughout the length and breadth. The bank also provides the net banking and mobile banking services to facilitate the customers. It leverages technology for efficient and effective delivery of all banking services. The bank received the Fintech India Award 2016, under category mobile banking at a function organized in Mumbai. The mission of the bank is to transform the customer banking experience into a fruitful and enjoyable one. It is a customer-oriented bank driven by the motive to maximize the benefit of the customer. The bank earns the confidence of its customers by delivering best quality services and keeping transparency.
Address of Central Bank of India Branches in Patna
The complete address, IFSC Code, MICR Code and customer care details of Central Bank of India branches located in Patna is mentioned in the table below:
| Branch Name | Complete Address | IFSC Code | MICR Code | Contact Number |
|---|---|---|---|---|
| Boring Road, Patna | Laxmi Complex, Boring Road, Patna | CBIN0280008 | 800016006 | (0612) 2234762 |
| Patna | P.B. NO. 64, New Dak Bungalow, Patna 800001 | CBIN0280009 | 800016002 | (0612) 2222501, (0612) 2202605 |
| Rajendra Nagar Patna | Patliputra Peth, Rajendra Nagar, Patna | CBIN0280011 | 800016004 | (0612) 2672942 |
| Yarpur Patna | Near Mithapur Chowk, Khagaul Road, Yarpur, Patna | CBIN0281232 | 800016011 | (0612) 2226605 |
| Lohianagar Patna | Kankarbagh Colony, Lohianagar, Patna | CBIN0281316 | 800016012 | (0612) 2353297 |
| Moradpur, Patna | Opp. Womens Hospital, Ashok Raj Path, Patna | CBIN0281318 | 800016007 | (0612) 2302921 |
| Budh Marg, Patna | Budh Marg, Patna | CBIN0281488 | 800016010 | (0612) 2221554 |
| Dinapur | Main Road, P.o. Dinapur Cantt., Dinapur | CBIN0281662 | 800016016 | (06115) 227487 |
| Frazer Road, Patna | Frazer Road, Patna | CBIN0281668 | 800016009 | (0612) 2226631 / 2235988 |
| Chitkhora, Patna | Chitkhora Road, P.O. Anishabad, Patna | CBIN0282779 | 800016018 | (0612) 2250238 |
| Patelnagar BSEB Colony, Patna | 11, Patelnagar, Opp. Dr. B. Bhattacharaya, P.O. Shastrinagar | CBIN0283074 | 800016020 | (0612) 2287818 |
| NBO, Patna | NBO, Frazer Road, Patna - 1 | CBIN0283143 | 800016001 | 1800 200 1911 |
| Rajiv Nagar | Mehta Market, Rajiv Nagar Main Road, P.O. Keshri Nagar | CBIN0283352 | 800016023 | (0612) 2273001 |
| Hanuman Nagar | Hanuman Nagar Main Road, P.O. Lohianagar | CBIN0283353 | 800016022 | 1800 200 1911 |
| Patna University | Patna College Campus, Ashok Rajpath, Patna | CBIN0283532 | 800016024 | 1800 200 1911 |
| College Of Commerce, Patna | College Of Commerce, Patna Branch College Of Commerce Patna Dist - Patna, Bihar - - 800020 | CBIN0283757 | 800016004 | 0612-2353186 |
| Office Of Controller Of Defence Accounts (C.D.S.) Patna | Office Of Controller Of Defence Accounts (C.D.S.) Patna Branchcda Building, Rajendrapath, Patna - 800019 Dist - Patna, Bihar | CBIN0011668 | 800016009 | 0612-2321476 |
| Digha, Patna | Gandhi Chowk, Digha, P.O. Betaganj, Pincode: 800018 | CBIN0281327 | 800016017 | (0612) 2560531 |
| Jhauganj Patna City | Jhauganj, Patna, Pincode: 800008 | CBIN0280010 | 800016003 | (0612) 2642396 |
| Kadamkuan New Area, Patna | D Block, Kadamkuan New Area, Patna, Pincode: 800003 | CBIN0282403 | 800016014 | (0612) 2688380 |
| Patliputra Colony, Patna | Laxmi Nivas, 154 - B , Patliputra Colony, Dist - Patna, Bihar - 800013 | CBIN0281441 | 800016015 | (0612) 2262271 |
| Rajwanshinagar, Patna | Shastri Nagar, Patna, Pincode: 800023 | CBIN0281998 | 800016019 | (0612) 2281228 |
| Birla Mandir Rd., Patna | Birla Mandir Road, Patna, Pincode: 800014 | CBIN0280007 | 800016005 | (0612) 2302930 |
| Chiraiantaur, Patna | Malti Market, 1st Floor, Chirayantaur, Patna, Dist - Patna, Bihar - 800020 | CBIN0282213 | 800016013 | (0612) 2352408 |
Products Offered by Central Bank of India in Patna
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 Name | Eligibility Criteria | Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| 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 | 8.55% - 9.10% | 0.50% of the loan amount subject to maximum ₹ 20,000 | Maximum – 30 years |
| Personal Loan | Permanent 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 – ₹ 5,00,00,000 | 12.30% | 0.50% of the loan amount subject to maximum ₹ 10,000 | 3 – 7 years |
| Vehicle Loan | Eligible 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 | 7.25% - 7.70% | - | 4 - 7 years |
| Loan Against Property | Minimum 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 amount | Up to 10 years |
| Business Loan | Depends on the scheme availed | Up to ₹ 1,00,00,000 | 8.75% - 9.50% p.a. | Depends on the loan amount | Up to 10 years |
| Education Loan | The student should be an Indian National Should have scored as per the marking set by bank | Up to ₹ 20,00,000 | 8.50%- 10.50% p.a. | Nil - ₹ 1,000 | Up to 15 years |
| Fixed Deposit | An 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 | - | 2.75% - 5.50% | - | 7 days - 10 years |
Documents Required
| Product Name | Documents |
|---|---|
| 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 Loan | Latest 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 Loan | Age 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 Property | Application 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 Loan | Proof 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 Deposit | 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 |