Top Banks 2024
HSBC Bank Guwahati
Last Updated : Feb. 16, 2017, 5:15 p.m.
About HSBC Bank
There are few banks that have proved to be as useful as the Indian banks in the country. And one of them is HSBC bank. The bank which has its main operational office in Mumbai is regulated by Reserve Bank of India under the Banking Regulation Act, 1949. It is an Indian subsidiary of HSBC Holdings plc which operates from the United Kingdom. The history of HSBC bank in India dates back to the era of 1853 when Mercantile bank was established in Mumbai. At present the HSBC Group is operating in India through a number of subsidiaries like The Hongkong and Shanghai Banking Corporation Limited (HSBC), HSBC Insurance Brokers (India) Private Limited,HSBC Global Resourcing / HSBC Electronic Data Processing (India) Private Limited, HSBC Asset Management (India) Private Limited, HSBC Private Equity Management (Mauritius) Limited, HSBC Software Development (India) Private Limited, HSBC Professional Services (India) Private Limited, HSBC Securities and Capital Markets (India) Private Limited, and HSBC Operations and Processing Enterprise (India) Private Limited.
The bank is known for being the first institution in the banking sector to introduce the ATM in the country in the year 1887. The bank is known for performing really well on all the parameters and offers customers a satisfying experience. It has opened up a branch in Guwahati as well so that people of the city don’t have to face any kind of problem when it comes to finance.
Address of HSBC Bank Guwahati branches
| Branch | Address | IFSC | MICR | Contact details |
|---|---|---|---|---|
| G.S Road | G.S.Road, Bhangagarh, Guwahati, Assam - 781005 | HSBC0781002 | 781039002 | 9706000101 |
Products offered by HSBC Bank
HSBC Bank may not offer many products as compared to other banks, but the products offered have brought a smile on many faces. One can avail a home loan, personal loan, business loan and even take a loan against the property. The bank allows people to open Fixed deposit account and avail attractive returns. Gain a better understanding of the products through the tables below-
Basic details of HSBC Bank loans in Guwahati
| Product | Eligibility | Loan amount | Interest rate | Processing fee | Tenure |
| Home loan |
1.Minimum age- 21 years
2.The maximum age at the time of loan maturity: Salaried- 58 years Government/Public Limited Employees- 60 years Self-employed - 65 years 3.Minimum Annual Income requirement: Salaried- ₹ 5 Lakhs Self-employed- ₹ 7.5 Lakhs |
₹ 3 Lakhs to ₹ 10 crore | 8.75% - 9.10% | 1% of the loan amount plus service taxes applicable |
25 years for salaried applicants
20 years for others |
| Personal loan |
HSBC Customers in the cities of Kolkata, New Delhi, Mumbai, Pune, Chennai, Kochi, Bangalore, Hyderabad, Jaipur, Ahmedabad and Chandigarh can apply for a personal loan.
1.The applicant must be an existing HSBC bank customer. 2.Should be a resident Indian. 3.Minimum age- 21 years. 4.Maximum age during maturity of loan: Salaried- 58 years Self-employed- 65 years 5.Minimum net annual income: Corporate Employee Program- ₹ 4 Lakhs and above For others- ₹ 5 Lakhs and above |
₹ 15 Lakhs
Selected customers can apply for a maximum of ₹ 30 Lakhs |
9.75% - 16.00% | 2.5% of the sanctioned loan amount | Up to five years |
| Fixed deposits | You need to be an existing HSBC bank customer to open a fixed deposit account | ₹ 10,000 and above | 2.25% - 4.50% | NIL | 7 days to 10 years |
| Loan against property |
1.Minimum age- 21 years
2.The maximum age at the time of loan maturity: Salaried- 58 years Government/Public Limited Employees- 60 years Self-employed - 65 years 3.Minimum Annual Income requirement: Salaried- ₹ 5 Lakhs Self-employed- ₹ 7.5 Lakhs |
₹ 3 Lakhs to ₹ 10 crore | 10.10% | 1% of the loan amount plus service taxes applicable | 15 years |
| Business loan |
Applicants who can apply:
Private Limited Companies Sole Proprietors Partnerships 1.Minimum age of guarantor- 21 years 2. Maximum age of the guarantor while the loan matures- 65 years 3. Profit after Tax should be positive |
₹ 10 Crore | As per the prevailing base rate i.e 9% |
Documents required
The documents needed for availing a loan from HSBC Bank Guwahati have been mentioned below-
| Product | Documents |
|---|---|
| Home loan |
Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card.
Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation Proof of Age- PAN card/Driving license/Passport/School leaving certificate Proof of Income: Salaried individuals- Latest salary slips of three months which shows statutory deductions Bank statement of the past three months which shows last three salary credits Self-employed Individuals- Income Tax returns of the previous two financial years Audited Balance Sheet and Profit & Loss account Bank statements of the past six months Partnership Deed in case of Partners of a partnership firm For directors of a private limited company- Memorandum and Articles of Association or Share holding Pattern and List of directors Consultant / Self-employed Professional Bank account statement of the past six months Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two financial years |
| Personal loan |
Completely filled loan application form
Photographs of passport size Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Age- PAN card/Driving license/Passport/Birth certificate/School leaving certificate Proof of Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Gas bill/Water bill/Property tax bill/Lease agreement/Domicile certificate with address which is issued by Municipal Corporation Proof of Income: Salaried individuals- Latest salary slips of three months which shows statutory deductions Bank statement of the past three months which shows last three salary credits Form 16 Self-employed Individuals- Income Tax returns of the previous two financial years Audited Balance Sheet and Profit & Loss account Bank statements of the past six months |
| Fixed deposit |
Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card.
Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation Proof of Age- PAN card/Driving license/Passport/Birth certificate/School leaving certificate |
| Loan against property |
Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card.
Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation Proof of Age- PAN card/Driving license/Passport/School leaving certificate Proof of Income: Salaried individuals- Latest salary slips of three months which shows statutory deductions Bank statement of the past three months which shows last three salary credits Self-employed Individuals- Income Tax returns of the previous two financial years Audited Balance Sheet and Profit & Loss account Bank statements of the past six months Partnership Deed in case of Partners of a partnership firm For directors of a private limited company- Memorandum and Articles of Association or Share holding Pattern and List of directors Consultant / Self-employed Professional Bank account statement of the past six months Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two financial years |
| Business loan |
For Sole proprietors-
Proof of Identity- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Current Residential Address- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation PAN card or Form 60 or PAN allotment letter Proof of Income- Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two years (Copies are required) Bank statement of the previous six months 2. For Partnerships Firm Proof for Identity of Partnership- Any one of the following is needed Sales Tax/ Excise registration /Service tax Registration under Shops and Establishment Act PAN ID / IT return MAPIN card issued in the name of the concerned Proof of Identity of the individual- Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. Proof of Address for each partner- Voter ID card/Passport/Electricity Bill/Telephone Bill/Driving license/Society outgoing bill/Lease agreement/Gas bill/Water bill/Property tax bill/Domicile certificate with address which is issued by Municipal Corporation PAN card or Form 60 or PAN allotment letter Proof of Income- Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two years (Copies are required) Bank statement of the previous six months 3. For Private Limited Companies Proof for Identity of Partnership- Any one of the following is needed Sales Tax/ Excise registration /Service tax Registration under Shops and Establishment Act PAN ID / IT return MAPIN card issued in the name of the concerned Memorandum and Articles of Association. Proof of Identity of at least two directors - Aadhar card/Driving License /Passport /PAN Card/ Voters ID card. List of directors PAN card or Form 60 or PAN allotment letter Form 32 copy, filed with ROC Proof of Income- Audited Balance Sheet and Profit & Loss account Income Tax returns of the previous two years (Copies are required) |
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