HSBC Bank Kolkata

Banks199 views

About HSBC Bank

HSBC is a global brand name which has created a different identity for itself in the banking and financial services world.HSBC has a wide network which covers almost 70 countries in the major continents of the world. The institution has served more than 45 million customers globally through its efficient and impactful products and services. HSBC Bank commenced its journey in India when Hongkong and Shanghai Banking Corporation Limited took control of the operations of Mercantile bank in 1959. Mercantile bank was incorporated in Mumbai, in 1853. The history of HSBC bank in India, therefore can be also traced back to 1853. Some of its group members are HSBC Global Shared Services Private Limited, HSBC Securities and Capital Markets Private Limited, HSBC Asset Management Private Limited, HSBC InvestDirect Securities Private Limited etc. The bank is conducting main operations from Mumbai at Flora Mountain and is monitored by the ‘Central Bank’, what we call as our Reserve Bank of India.

HSBC Bank has always been a trendsetter, which has paved way for others to follow it.The bank followed the same strategy in India too. It launched the first ever ATM for its customers in 1987 in India. It introduced the people of India to a new concept, that was considered a major milestone in our banking history. The bank believes in contributing positively to the economy of the host country. The bank has never let the focus go out from the customer. Kolkata- the city of joy is an important city of eastern India. HSBC bank has opened one branch in the city for offering timely assistance.

Address of HSBC Bank Kolkata branches

BranchAddressIFSCMICRContact details
Main Branch, Kolkata 31 Bbd Bagh, Dalhousie Square, Kolkata 700001, West BengalHSBC07000047000390049830675144

Products offered by HSBC Bank

There might not be many products in the basket of HSBC bank, but the products it offers are of high quality and efficient enough to meet any requirement. You can get loan products like a personal loan, home loan, business loan and loan against property from HSBC Bank. Have a look at the two tables for extra information about the products. Take the chance of missing it at your own risk.

Basic details of HSBC Bank loans in Kolkata

ProductEligibilityLoan amountInterest rateProcessing feeTenure
Home loan1.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

8.50% - 9.00%

1% of the loan amount plus service taxes applicable25 years for salaried applicants

20 years for others
Personal loanHSBC 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
10.99% - 17.50% 2.5% of the sanctioned loan amount Up to five years
Fixed depositsYou need to be an existing HSBC bank customer to open a fixed deposit account₹ 10,000 and above3.00% - 7.50%NIL7 days to 10 years
Loan against property1.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 crore10.10%1% of the loan amount plus service taxes applicable15 years
Business loanApplicants 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 CroreAs per the prevailing base rate i.e 9%

Documents required

The documents needed for availing a loan from HSBC Bank Kolkata have been mentioned below-

ProductDocuments
Home loanProof 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 loanCompletely 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 depositProof 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 propertyProof 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 loanFor 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)

People Also Look For

Personal Loan Interest Rates August 2018
Bajaj Finserv10.99% - 16.00%
Fullerton India14.00% - 33.00%
HDFC Bank11.25% - 21.25%
ICICI Bank10.99% - 18.40%
IndusInd Bank10.99% - 16.00%
Kotak Bank10.99% - 20.99%
RBL13.00% - 18.00%
Standard Chartered Bank10.99% - 14.49%
Tata Capital10.99% - 18.00%
Home Loan Interest Rates August 2018
State Bank of India/SBI8.45% - 9.00%
HDFC8.70% - 9.40%
Bank of Baroda8.50% - 9.50%
LIC Housing8.45% - 8.90%
PNB Housing Finance8.99% - 10.75%
ICICI Bank8.55% - 8.80%
Axis Bank8.50% - 8.85%
Citibank8.85% - 9.65%
Indiabulls Housing Finance Limited8.70% - 9.85%
Kotak Bank8.65% - 8.75%
DHFL9.05% - 9.95%
Reliance Home Finance8.75% - 10.00%
EMI Calculator