Federal Bank Kochi
Last Updated : June 1, 2018, 3:25 p.m.
About Federal Bank
Federal bank is one of India’s most prominent commercial banks belonging to the private sector. The bank was constituted on April 28, 1931 at Nedumpuram and was known as Travancore bank. It started with an authorised capital of Rs. 5,000 that time. Federal bank and Kochi share a very special bond. On May 18, 1945 the main head office was shifted to the alluring city of Kochi. The main headquarter lies on the banks of Periyar river in Aluva. In the year 1947, the bank officially got its name as Federal Bank Limited. The most monumental part was when it became a commercial bank in the year 1970. This marked the silver jubilee year of the bank since the time it began its operations in Aluva. Federal bank has followed the simple mission of outshining the expectations and giving customers an experience like never before. It has developed a strong presence in various states in India with several operating ATMs and branches.
Any talk about Federal bank will be incomplete if there is no mention of the innovations it has given to the industry or the awards it has been successful in capturing. Winning a prestigious award like ‘Best Corporate Brand 2016’ in an award ceremony conducted by a leading brand like Economic Times has been a feather on the bank’s cap. The bank has never shied away from innovating. It introduced the concept of mobile based passbook-FedBook for which it even won IBA Innovation award 2013. The connection of Kochi and Federal bank can’t be described in words. The city is the place where the bank actually began its journey. And now, today the bank stands tall in all the parameters performing very well. It is working day in and day out, taking all the possible measures to meet financial needs of the people living in Kochi.
Address of Federal Bank branches in Kochi
| 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 |
| Ernakulam/ 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 |
| Ernakulam/ Panampilly Nagar | 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 |
Products offered by Federal Bank
Are you in dire need of funds to sponsor your child’s education? Want to travel all around Asia? Need money for your sister’s marriage? Want to build your dream home but lack of finance is stopping you from making it true? Want to start a new business? Whatever may be the situation, Federal bank is the ultimate answer to it. The bank offers financial support to people who require funds to meet their needs. One can secure a home loan, a car loan, a personal loan, business loan, a gold loan or even avail a loan against his/her property. Want to know more about the products offered by Federal bank? Take a key look at the tables for the same-
Basic details of Federal bank loans in Kochi
| Product | Eligibility | Loan amount | Interest rate | Processing fee | Tenure |
|---|---|---|---|---|---|
| Home Loan | You must be a salaried employee or a self-employed or a business in order to avail a home loan from the bank. The total employment stability needs to be at least 2 years. Current employment stability of minimum 1 year is required. | Up to Rs. 1500 Lakhs | 10.15% - 10.30% | Up to 30 years | |
| Personal loan | The monthly salary should be Rs. 50,000 and above. Applicant’s maximum age should be 55 years. The applicant should be employed in the present job for at least three years Only applicants in the cities selected by bank can apply. They are Bengaluru, New Delhi & NCR, Chennai, Mumbai, Kochi, Pune and Thiruvananthapuram | Rs. 10 Lakhs | 10.49% - 17.99% | 48 months i.e. 4 years | |
| Car Loan | The applicant should take home a minimum of Rs 7500 after meeting all monthly EMI commitments. This also includes the proposed one. Resident individuals and big corporates can apply for a car loan from the bank | 7.65% Onwards | 0.50% of the loan amount . It can be a minimum of Rs. 500. | New vehicle- 5 years Salaried- 7 years Old car- 5 years | |
| Fixed deposits | People who can open a fixed deposit with the bank- An individual Hindu United Family Associations/Clubs Joint Stock companies Firms Sole Proprietary concerns Guardians for minor children Any entity which has not been prohibited by Reserve Bank of India. Individuals can jointly open an account with another person | The minimum amount required for a fixed deposit at Federal Bank is Rs. 1,000. No maximum limit has been set as such. You can get a loan against your fixed deposits upto 90% of the deposit | 2.50% - 6.00% | NIL | Minimum- 7 days Maximum- 10 years |
| Gold Loan | Any individual who owns gold coins or ornaments is eligible to apply for a gold loan | Up to Rs. 75 lakhs | 12.50-13.50% | 12 months | |
| Education Loan | The applicant should be an Indian national. He/she needs to secure admission into one of the institutes selected by the bank | Up to Rs 20 Lakhs | 10.15-14.75% | No processing fee | 10 years |
| Property Loan | Individuals (Residents, Non-residents, PIOs) can apply | Up to Rs 5 crore | 11.65-14.9% | 1% of the sanctioned amount | Up to 15 years |
| Business Loan | Firms, individuals or any company can apply | For professionals- up to Rs 2 crore | 11.50% | Up to 120 months i.e 10 years |
Documents required
| Product | Documents |
|---|---|
| Home loan | Two photographs of passport size of the applicant and the co obligant Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill Proof of Age- Birth Certificate/Passport/ SSLC or AISSE Certificate/Driving License Proof of Income- Salaried individuals: 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. Self-employed- Bank account statements of the past 12 months proof of existence of business and its profile Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account IT returns of the past two years supported by tax calculation sheet Property documents- Agreement for Sale & construction, Letter of Allotment, Tripartite Agreement which has to be given before disbursal of loan, Certificate of possession, Detailed cost of construction and Land tax receipt. |
| Personal Loan | Completely filled application form which is duly signed Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill A copy of PAN card is mandatory Applicant’s latest photo of passport size ( two copies) Income Documents- Salary slip of three months /Latest salary certificate, IT returns of the past two years or Form 16 and bank statement of the past six months |
| Car loan | Two photographs of passport size of the applicant and the co obligant Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill Proof of Age- Birth Certificate/Passport/ SSLC or AISSE Certificate/Driving License Proof of Income- Salaried individuals: 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. Self-employed- Bank account statements of the past 12 months proof of existence of business and its profile Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account IT returns of the past two years supported by tax calculation sheet Other documents- Invoice Own house proof or latest land tax receipt In case of used car, Valuation and sale letter from an authorised used car dealer Some property documents if loan amount is above 10 Lakhs- document of title, possession certificate, EC for 13 years location sketch |
| Gold loan | In case you are new customer, you require the following documents- Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Recent photograph of passport size Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill/Trade license/Sales tax certificate |
| Loan against property | Two photographs of passport size of the applicant and the co obligant Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill Proof of Age- Birth Certificate/Passport/ SSLC or AISSE Certificate/Driving License Proof of Income- Salaried individuals: 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. Self-employed- Bank account statements of the past 12 months proof of existence of business and its profile Income Tax returns of the previous two years along with Balance Sheet/ Profit & Loss account IT returns of the past two years supported by tax calculation sheet Property documents- Agreement for Sale & construction, Letter of Allotment, Tripartite Agreement which has to be given before disbursal of loan, Certificate of possession, Detailed cost of construction and Land tax receipt. |
| Education loan | Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill Admission letter/Offer letter Fee structure proof Basic Qualification and mark-list |
| Fixed deposits | A coloured photograph Passport/ Driving License Last six months bank account details Documents required from the trust, association/ clubs Photographs of the member operating the account. A Copy of the Trust Deed/ Bye- laws of the association. A Copy of registration certificate. A Copy of the resolution of trustee authorizing the member to operate and open the accounts |
| Business Loan | Proof Of Identity- Aadhar card/PAN Card/Passport/Driving License/Voter ID Card Proof of Residence- Voter ID Card/Aadhar Card/Passport/Lease agreement/Ration card/Telephone bill/Electricity bill Bank statement of the last six months Proof of continuation -ITR /Establishment / Trade license/Sales Tax certificate Income Tax returns of the previous two years along with audited Balance Sheet and Profit & Loss account if applicable |
