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Dena Bank Ghaziabad

Dena Bank Ghaziabad

Last Updated : June 1, 2018, 3:06 p.m.

About Dena Bank

Dena Bank is an Indian commercial bank with its headquarters in Mumbai. The bank was founded by the Devkaran Nanjee family on the 26th of May, 1938. Further, the bank became nationalized by the Government of India along with 13 other commercial banks in the year 1969. Dena Bank was one of the public sector banks chosen amongst six other banks by the World Bank in the year 1995 for disseminating a loan of ₹72.3 Crores under Financial Sector Development project. The bank has few branches in Ghaziabad, one of the National Capital Region. The city is famous for its large and planned industrial regions which house the leading commercial, industrial and educational center of western U.P. The credit of rising prosperity of Ghaziabad rests on the banking sector along with Dena Bank for their timely provision of finance facility to satiate different customers needs. The staff of Dena Bank Ghaziabad is recognized for their immense contribution to the development of the city. Dena Bank hosts regular banking services to its customers which includes Personal Banking Services including Deposit, Loan and Investment Services, Small and Medium Enterprises(SME) services and a host of other premier services. Dena Bank has maintained a cutting-edge technological infrastructure with state-of- the art IT innovation and implementation of solutions at its branches including Ghaziabad and back-end.


Branch Addresses of Dena Bank in Ghaziabad

Branch NameComplete AddressIFSCMICRContact Number
Ghaziabad17, Navayug Market, Ghaziabad - 201001BKDN07206871100180290120-2797269
VaishaliGaur Gravity Heights Hall No 8, Sector 4, Vaishali, Up 201002BKDN0711660NON-MICR9869182555
Raj NagarJ 3 Raj Nagar District Centre, Raj Nagar, Ghaziabad, Uttar Pradesh, Pincode 201001BKDN0711826NON-MICR9411803194
VasundharaPlot No C 15 Ground Floor Sector 15 Vasundhara Ghaziabad Uttar Pradesh Pin Code 201012BKDN0711847NON-MICR9601566576

Products Offered by Dena Bank in Ghaziabad

ProductEligibilityLoan AmountInterest RateProcessing FeeTenure
Home Loan(1) Need to be a major individual, resident or non-resident, having a regular source of income
(2) Your age at the time of loan maturity is less than the retirement age if you are a salaried employee and below 65 years, if you have a business

(3) The total deductions do not exceed 60% of your gross income, including the loan installment of the proposed loan
Up to Rs.200 lakhs for the purchase/construction of a house.
Up to Rs.10 lakhs for renovation/upgradation.
8.50% - 10.60%0.50% of the sanctioned limitUpto 30 years for the purchase of a new flat/house/contruction/extension
Upto 10 years for the repairs, renovation and upgradation
Personal Loan1. Need to be a permanent employee between 24 to 55 years and have a work experience for atleast 2 years in a Govt. Or PSU/reputed organization

2. Need to have a gross monthly income of atleast ₹15,000/-

(3) Need to have a salary disbursement arrangement with Dena Bank or provide an undertaking from your employer
Minimum : ₹ 15,000/-

Maximum : 9 times of Net Monthly Income
10.90% - 18.25%1% of the loan amountUpto 3 years
Vehicle Loan1. For Motor Cycle/Scooter: Minimum ₹ 1 lakh per annum

2. For Four Wheeler:
(a) For Individual/Proprietary Firm: Minimum ₹2.50 lakhs p.a.

(b) For Partnership Firm/Company : Minimum ₹ 3 lakhs p.a.
Upto ₹ 50 lakhs for purchase of a new two wheeler

Upto ₹ 200 lakhs for purchase of a new car
7% onwardsTwo Wheeler: ₹ 250/-(Plus service tax as applicable from time to time)

For Car Loan : ₹ 500 irrespective of loan amount (Plus service tax as applicable from time to time)
Maximum upto 7 years for new vehicle.

2nd hand four-wheeler(upto 3 year old)-Maximum upto 3 years
Business LoanApplicable for whole time practitioners such as Chartered Accountants, Company Secretary and Chartered Financial Analyst, not employed anywhere else but should be an income tax assessee for last two years

For Doctor+

Need to be registered medical practitioner having indiviual/partnership firms, age should be over 25 years but less than 65 years at loan maturity, applicant should not be a defaulter of any Bank/FI
For CA, CS and CFA

Minimum : ₹ 2 lakhs

Upto ₹ 100 lakhs (With a maximium of 20 % by way of Working Capital)


For Doctor+

Maximum of ₹ 2.00 crores of which a sub-ceiling for Working Capital limits at 10% of total loan amount.
For CA, CS and CFA



For loans repayable in more than 3 years : 10.05%-10.55%

For Working Capital Limits

10.05%

For Women Borrowers, 0.25% concession in Rate of Interest

For Doctor +

10.05%-10.55%

For CA, CS and CFA

0.50% of the loan amount

For Doctor+

0.50% of the loan amount
Minimum : ₹ 500/-

Maximum : ₹ 50,000/-

For CA, CS and CFA

Upto 10 years


For Doctor+

Upto 7 years
Loan Against PropertyNeed to be 21 years of age, eligible to salaried individual, professional, self-employed, agriculturist, need to be an income tax assesee for atleast 2 years, need to have net-monthly income of ₹ 12,000Minimum : ₹ 2 lakhs

Maximum : ₹ 500 lakhs
Term Loan : 10.25%

Overdraft: 10.25%
1% of the sanctioned limitUpto 10 years
Fixed DepositIndividuals, Hindu Undivided Families (HUFs), Minor represented by parents/guardian,Guardian on behalf of societies, clubs, trusts and associations, associations, clubs, trusts, sole proprietorship firms, partnership firms and limited companiesNIL2.90% - 6.30%NIL7 Days-10 years

Documents Required at Dena Bank Ghaziabad


Product
Documents
Home LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Details of property you look to buy & construct
Personal LoanIdentity Proof- PAN Card/Voter ID/Driving License/Aadhar Card/Passport
Address Proof- Utility bill/Passport/Aadhar card/Voter ID
Income Proof- Latest Salary Slip/ ITR/Form-16
Bank Statement- Last 3-6 Month Bank Statement
Vehicle LoanProof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible)

Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy PAN Card.

Proof of Income: Latest salary slip with form 16 / Audited balance sheet, Profit & Loss Account for latest two years/ Have a minimum turnover of ₹ 4,50,000 per annum / Audited balance sheet, Profit & Loss Account for latest two years and the latest 2 years IT returns of the company / Latest ITR

Bank Statement: Last 6 months
Business LoanIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 2Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Trade License applicable to a proprietor/partnership firm

Ownership documents, if any, of the security

Copy of Partnership deed/Memorandum of Association (MOA and Articles of Association (AOA) or other documents. These documents apply in the case of partnership firm or a company
Loan Against PropertyIdentity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card

Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID

Income Proof-Latest Salary Slips & Form 16 for Salaried
- Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years for self-employed

Bank Account Statement for the Last 6 Months

Track record of existing loans, if any

Details of property to be mortgaged
Fixed DepositAn Individual, Hindu Undivided Family, Sole Proprietorship Concern

ID Proof – Passport, PAN Card, Driving Licence, Voter ID, Government ID Card, Senior Citizen ID Card
Address Proof - Telephone Bill, Electricity Bill, ID Card Issued by Post Office, Bank Statement with Cheque
A photograph
Trusts

Copy of the Trust Deed
Copy of the registration certificate
Copy of the Resolution of the Trustees authorizing the members concerned to open and operate the account
Photographs of the members operating the account
Associations/Clubs

By-laws of the Association
Copy of the Resolution by the board authorizing the members concerned to open and operate the account
Photographs of the members operating the account

Partnership Firm
Partnership Deed
Letter from partners approving the persons concerned to open and operate the account
Photographs of the persons operating the account


Public or Private Limited Companies
Board Resolution / Authority Letter
Memorandum & Articles of Association
Certificate of Incorporation
Certificate of Commencement of Business (Public Limited Company)
Form 32 in case list of directors are not original subscribers to Memorandum & Articles of Association (in case of Private Limited Cos) Duly acknowledged by ROC
Governing Act / Rules and Regulations(PSUs) (certified true copy)

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