Federal Bank Kochi

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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 NameAddressIFSCMICRContact Details
Ernakulam / ServiceService Branch, Ground Floor, Federal Towers, Ernakulam, 682031 , KeralaFDRL00005016820490010484-2311728
Ernakulam/NorthP B No. 1927, Banerji Road, Ernakulam North, Kochi, 682018 , KeralaFDRL00010046820490040484-2362974
KochiP B No. 334, Parvana Junction, Mattancherry, Kochi, 682002 , KeralaFDRL00010336820490200484-2224134
ThrikkakkaraChembumukku, Thrikkakara, Kakkanad West P O, Kochi, 682030 , KeralaFDRL00010346820490120484-2427156
GirinagarGirinagar, Elamkulam, Kadavanthra P O, , 682020 , KeralaFDRL00010586820490090484-2203162
PachalamBagyodaya Buildings, Pachalam, , Kochi, 682012 , KeralaFDRL00010756820490100484-2395766
Ernakulam/SouthP B No.1731, , M G Road (South), Ernakulam, Kochi, 682016 , KeralaFDRL00011536820490050484-2378710
PalluruthyPost Box No 926, Palluruthy, , Kochi, 682006 , KeralaFDRL00011836820490210484-2233258
PoonithuraPalathinkal Building, P B No. 2, Petta Junction, Poonithura, 682317 , KeralaFDRL00012196820490020484-238970
KeezhillamKadambelil Building, M C Road, , Keezhillam, 683541 , KeralaFDRL00012226830498030484-2654461
Ernakulam/
Mahatma Gandhi Road
Kandamkulathy Towers, Opp. Maharajas College Ground, Mahatma Gandhi Road, Kochi, 682011 , KeralaFDRL00012386820490060484-2372397
OchanthuruthOchanthuruth P O, Kochi, 682 508, KeralaFDRL00012416820490310484-2492402
Ernakulam / BroadwayCatholic Centre, Broadway, Ernakulam, Kochi, 682031 , KeralaFDRL00012836820490070484-2380230
CheranalloorChurch Junction, Cheranalloor, , Kochi, 682034 , KeralaFDRL00012956820490240484-2431309
PazhamthottamEdayanal Building, (Via) Kumarapuram, Pazhamthottam P O, KeralaFDRL00013126820490490484-2688378
Ernakulam/
Panampilly Nagar
28/105 A, Opp:Housing Board Bldg., Panampilly Nagar, Kochi, 682036 , KeralaFDRL00013166820490080484-2311728
Palarivattom1St Floor, Thadikkaran Centre, Palarivattom, Ernakulam, 682025 , KeralaFDRL00013806820490180484-2338230
Vyttila31/758, Thammanam Road, Vyttila Junction, Vyttila, Kochi, 682019 , KeralaFDRL00014106820490190484-2389309
KaloorCentral Arcade, Azad Road, Kaloor, Kochi, Kerala, 682017 , KeralaFDRL00014216820490220484-2336900
Cms BranchFederal Towers, Marine Drive, Ernakulam, , 682031 , KeralaFDRL00014246820490250484-2385514
Willingdon IslandDarragh Smail House, 5Th Cross Road, Willingdon Island, Kochi, 682003 , KeralaFDRL00014666820490260484-2666908
Ernakulam Bye PassSg Bldg Near Bye Pass Near Emc Ernakulam Kochi 682025FDRL00016086820490370484 2345058 2345059
KathrukadavuPariyarath Building Kumaranasan Junction Kaloor – Kadavanthra Road Elamkulam Kochi – 682017 KeralaFDRL00016866820490410484 2204313
Ernakulam/Marine DriveGround Floor, Federal Towers, Building No. 2095, Marine Drive, Ernakulam, 682031 , KeralaFDRL00013756820490110484-2385518
LenthikkaraMaliakal Buildings, Near Elenthikara Junction, Elenthikara Mala Road, Kerala - 683594FDRL00018426820490609946940500
EdappallySt.George's Church Building, Edappally, 682024 , KeralaFDRL00011846820490030484-2340733

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

ProductEligibilityLoan amountInterest rateProcessing feeTenure
Home LoanYou 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 Lakhs9.05% - 9.15%Up to 30 years
Personal loanThe 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 Lakhs11.75% - 14.65%48 months i.e. 4 years
Car LoanThe 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
9.15% - 9.45%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 depositsPeople 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
3.50% - 7.80%NILMinimum- 7 days
Maximum- 10 years
Gold LoanAny individual who owns gold coins or ornaments is eligible to apply for a gold loanUp to Rs. 75 lakhs12.50-13.50%12 months
Education LoanThe 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 Lakhs10.15-14.75%No processing fee10 years
Property Loan Individuals (Residents, Non-residents, PIOs) can applyUp to Rs 5 crore11.65-14.9%1% of the sanctioned amountUp to 15 years
Business LoanFirms, individuals or any company can applyFor professionals- up to Rs 2 crore11.50%Up to 120 months i.e
10 years

Documents required

ProductDocuments
Home loanTwo 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 LoanCompletely 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 loanTwo 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 loanIn 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 propertyTwo 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 loanProof 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 depositsA 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 LoanProof 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

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