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About Federal Bank Home Loan in Kochi
The special connection of Federal bank and Kochi can’t be described in words. Kochi is the place from where Federal bank is conducting all its main operations. The main head office of the bank is located in Aluva, Kochi. The bank has taken the task of providing wings to the housing dreams of the people in the city. The product has a wide bandwidth and can be used for construction, repairment and extension of one’s house, in addition to the purchase of a new one. Federal bank has opened over 40 branches in the beautiful city so as to provide the customer the best experience and affordable loans.
Federal Bank Home loan in Kochi at a glance
Important details about Federal Bank Home loan Kochi have been given in the form of a table.
|Interest rate||11.75% - 14.65%|
|Loan amount||Maximum of ₹1500 Lakhs|
|Tenure||Up to 30 years|
|Processing fee||0.50% of the loan amount sanctioned along with service taxes|
Minimum of ₹3,000
Maximum of ₹7,500
Eligibility norms have to be fulfilled by every applicant who wishes to avail a Federal bank home loan Kochi. The different norms have been mentioned below. Have a look at them.
- Self-employed individuals, businessmen, and salaried individuals are eligible to apply for a home loan.
- The total employment/business stability should be at least two years.
- The applicant should be working in their current job/profession/business for a period of at least one year
- The applicant must be earning sufficient enough to repay the loan. He/she must earn a minimum net monthly income of ₹15,000 in order to avail a home loan
- The applicant must be over the age of 21 at the time of loan application. The maximum age has been kept at 55 years.
Documents required for a Federal Bank Home loan Kochi
The list of all the essential documents needed for a smooth and hassle free disbursal of a home loan is right here. Have a proper look at them-
- Two photographs of passport size of the applicant and the co obliged
- Proof of Age- Birth Certificate/Passport/ SSLC or AISSE Certificate/Driving License
- Completely filled application form
- Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill
- Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card
- Proof of Income-
- Salary slip of three months /Latest salary certificate,
- IT returns of the past two years or Form 16
- bank statement of the past six months.
- Bank account statements of the previous 12 months
- Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account
- Proof of the existence of business and its profile
- IT returns of the past two years supported by tax calculation sheet
- Letter of Allotment
- Agreement for Sale & construction
- Certificate of possession
- Tripartite Agreement to be given before disbursal of home loan
- Detailed cost of construction and Land tax receipt
For more details, please check out Home Loan Kochi.
Address of Federal Bank branches in Kochi
The list of Federal Bank Kochi branches has been given below with their complete addresses, IFSC and MICR details.
|Branch Name||Address||IFSC||MICR||Contact Details|
|Ernakulam / Service||Service Branch, Ground Floor, Federal Towers, Ernakulam, 682031 , Kerala||FDRL0000501||682049001||0484-2311728|
|Ernakulam/North||P B No. 1927, Banerji Road, Ernakulam North, Kochi, 682018 , Kerala||FDRL0001004||682049004||0484-2362974|
|Kochi||P B No. 334, Parvana Junction, Mattancherry, Kochi, 682002 , Kerala||FDRL0001033||682049020||0484-2224134|
|Thrikkakkara||Chembumukku, Thrikkakara, Kakkanad West P O, Kochi, 682030 , Kerala||FDRL0001034||682049012||0484-2427156|
|Girinagar||Girinagar, Elamkulam, Kadavanthra P O, , 682020 , Kerala||FDRL0001058||682049009||0484-2203162|
|Pachalam||Bagyodaya Buildings, Pachalam, , Kochi, 682012 , Kerala||FDRL0001075||682049010||0484-2395766|
|Ernakulam/South||P B No.1731, , M G Road (South), Ernakulam, Kochi, 682016 , Kerala||FDRL0001153||682049005||0484-2378710|
|Palluruthy||Post Box No 926, Palluruthy, , Kochi, 682006 , Kerala||FDRL0001183||682049021||0484-2233258|
|Poonithura||Palathinkal Building, P B No. 2, Petta Junction, Poonithura, 682317 , Kerala||FDRL0001219||682049002||0484-238970|
|Keezhillam||Kadambelil Building, M C Road, , Keezhillam, 683541 , Kerala||FDRL0001222||683049803||0484-2654461|
Mahatma Gandhi Road
|Kandamkulathy Towers, Opp. Maharajas College Ground, Mahatma Gandhi Road, Kochi, 682011 , Kerala||FDRL0001238||682049006||0484-2372397|
|Ochanthuruth||Ochanthuruth P O, Kochi, 682 508, Kerala||FDRL0001241||682049031||0484-2492402|
|Ernakulam / Broadway||Catholic Centre, Broadway, Ernakulam, Kochi, 682031 , Kerala||FDRL0001283||682049007||0484-2380230|
|Cheranalloor||Church Junction, Cheranalloor, , Kochi, 682034 , Kerala||FDRL0001295||682049024||0484-2431309|
|Pazhamthottam||Edayanal Building, (Via) Kumarapuram, Pazhamthottam P O, Kerala||FDRL0001312||682049049||0484-2688378|
|28/105 A, Opp:Housing Board Bldg., Panampilly Nagar, Kochi, 682036 , Kerala||FDRL0001316||682049008||0484-2311728|
|Palarivattom||1St Floor, Thadikkaran Centre, Palarivattom, Ernakulam, 682025 , Kerala||FDRL0001380||682049018||0484-2338230|
|Vyttila||31/758, Thammanam Road, Vyttila Junction, Vyttila, Kochi, 682019 , Kerala||FDRL0001410||682049019||0484-2389309|
|Kaloor||Central Arcade, Azad Road, Kaloor, Kochi, Kerala, 682017 , Kerala||FDRL0001421||682049022||0484-2336900|
|Cms Branch||Federal Towers, Marine Drive, Ernakulam, , 682031 , Kerala||FDRL0001424||682049025||0484-2385514|
|Willingdon Island||Darragh Smail House, 5Th Cross Road, Willingdon Island, Kochi, 682003 , Kerala||FDRL0001466||682049026||0484-2666908|
|Ernakulam Bye Pass||Sg Bldg Near Bye Pass Near Emc Ernakulam Kochi 682025||FDRL0001608||682049037||0484 2345058 2345059|
|Kathrukadavu||Pariyarath Building Kumaranasan Junction Kaloor – Kadavanthra Road Elamkulam Kochi – 682017 Kerala||FDRL0001686||682049041||0484 2204313|
|Ernakulam/Marine Drive||Ground Floor, Federal Towers, Building No. 2095, Marine Drive, Ernakulam, 682031 , Kerala||FDRL0001375||682049011||0484-2385518|
|Lenthikkara||Maliakal Buildings, Near Elenthikara Junction, Elenthikara Mala Road, Kerala - 683594||FDRL0001842||682049060||9946940500|
|Edappally||St.George's Church Building, Edappally, 682024 , Kerala||FDRL0001184||682049003||0484-2340733|