Central Bank of India Patna

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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 NameComplete AddressIFSC CodeMICR CodeContact Number
Boring Road, PatnaLaxmi Complex, Boring Road, Patna
CBIN0280008800016006 (0612) 2234762
Patna

P.B. NO. 64, New Dak Bungalow, Patna 800001CBIN0280009800016002(0612) 2222501, (0612) 2202605
Rajendra Nagar PatnaPatliputra Peth, Rajendra Nagar, PatnaCBIN0280011800016004(0612) 2672942
Yarpur Patna

Near Mithapur Chowk, Khagaul Road, Yarpur, PatnaCBIN0281232800016011(0612) 2226605
Lohianagar PatnaKankarbagh Colony, Lohianagar, PatnaCBIN0281316800016012(0612) 2353297
Moradpur, Patna

Opp. Womens Hospital, Ashok Raj Path, PatnaCBIN0281318800016007(0612) 2302921
Budh Marg, Patna
Budh Marg, Patna
CBIN0281488800016010 (0612) 2221554
Dinapur

Main Road, P.o. Dinapur Cantt., DinapurCBIN0281662800016016(06115) 227487
Frazer Road, PatnaFrazer Road, Patna
CBIN0281668800016009(0612) 2226631 / 2235988
Chitkhora, PatnaChitkhora Road, P.O. Anishabad, PatnaCBIN0282779800016018(0612) 2250238
Patelnagar BSEB Colony, Patna
11, Patelnagar, Opp. Dr. B. Bhattacharaya, P.O. ShastrinagarCBIN0283074800016020(0612) 2287818
NBO, Patna
NBO, Frazer Road, Patna - 1CBIN02831438000160011800 200 1911
Rajiv Nagar

Mehta Market, Rajiv Nagar Main Road, P.O. Keshri NagarCBIN0283352800016023(0612) 2273001
Hanuman Nagar

Hanuman Nagar Main Road, P.O. Lohianagar
CBIN02833538000160221800 200 1911
Patna University

Patna College Campus, Ashok Rajpath, PatnaCBIN02835328000160241800 200 1911
College Of Commerce, Patna

College Of Commerce, Patna Branch College Of Commerce Patna Dist - Patna, Bihar - - 800020
CBIN02837578000160040612-2353186
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, BiharCBIN00116688000160090612-2321476
Digha, Patna

Gandhi Chowk, Digha, P.O. Betaganj, Pincode: 800018CBIN0281327800016017(0612) 2560531
Jhauganj Patna City

Jhauganj, Patna, Pincode: 800008
CBIN0280010800016003(0612) 2642396
Kadamkuan New Area, Patna

D Block, Kadamkuan New Area, Patna, Pincode: 800003
CBIN0282403800016014(0612) 2688380
Patliputra Colony, Patna

Laxmi Nivas, 154 - B , Patliputra Colony, Dist - Patna, Bihar - 800013
CBIN0281441800016015(0612) 2262271
Rajwanshinagar, PatnaShastri Nagar, Patna, Pincode: 800023CBIN0281998800016019(0612) 2281228
Birla Mandir Rd., Patna

Birla Mandir Road, Patna, Pincode: 800014
CBIN0280007800016005(0612) 2302930
Chiraiantaur, Patna

Malti Market, 1st Floor, Chirayantaur, Patna, Dist - Patna, Bihar - 800020CBIN0282213800016013(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 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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