IndusInd Bank Ghaziabad
Last Updated : Feb. 18, 2017, 11:50 a.m.
About IndusInd Bank
The IndusInd bank is one of the first new generation bank in India which was set up in the year 1994. The bank was set up by the Indian resident and the non-resident Indians. The bank was started with the capital money of ₹ 1000 million and the amount of ₹ 400 million was raised by the Non-resident Indians and ₹ 600 million was raised by the Indian residents. The bank has been named after the Indus valley civilization and it is one of the most ancient cultures which was full of the spirit of innovation and trade and business matters. similarly, the bank has introduced many innovative products like my branch my number, denomination selection etc.
The bank has the vision to make the relevant change in the financial aspect of the client by providing them the best solution for their financial requirements. The main objective of the company is to provide the sustainable and compliant returns to the client. It wants to be the relevant business and banking partners to the customers and shareholders. The focus of the bank is to upgrade the system and continue the use of latest technology along with the passionate and hardworking professional workforce that can deliver the best solution and guidance to the client or customer. The goal of the bank is set for the next three years where they want to double their profit, client, and branches.It has also set up three international representative office to expand its global reach. Thus, the bank is one of the favorites for the Indian as well as the Non-Resident Indian.
Address of IndusInd Bank Branches in Ghaziabad
| Branch Name | Address | IFSC Code | MICR | Contact Details | |||||
|---|---|---|---|---|---|---|---|---|---|
| Ghaziabad | C - 76, Raj Nagar, Main Road, District: Ghaziabad 201002 | INDB0000171 | 110234018 | 0120-4041560 | |||||
| Indirapuram, Ghaziabad | Hall No. 13, Gaur Gravity Mall , Gaur Green City, Plot No-8, Vaibhav Khand, Indirapuram, Ghaziabad 201014, U.P | INDB0000383 | 110234036 | 0120 4299450, 4299451 | |||||
| Vasundhara Ghaziabad | Grd And First Flr 13c 16 Main Road Vasundhara Ghaziabad 201 012 Uttar Pradesh | INDB0000733 | 110234076 | 4209639 | |||||
| Noida Commercial Co Op Bank Ltd Pratap Vihar | 1372 Mata Colony Near Dayal Public School Pratap Vihar Ghaziabad | INDB0NCCB06 | 110094289 | 2840033 | |||||
| Noida Commercial Co Op Bank Ltd Shastri Nagar Ghaziabad | D Block Ratan Palace Near Karte Chowk Shastri Nagar Ghaziabad | INDB0NCCB07 | 110094291 | 6497095 | |||||
| Vaishali Ghaziabad | Ground Floor Supertech Avant Grande Plot No 1 Sec 5 Vaishali Ghaziabad 201010 Uttar Pradesh | INDB0000817 | 110234083 | 2770451 |
Products Offered by the IndusInd Bank in Ghaziabad
The IndusInd bank is one of the banks which extend its products to the customer who is Indian residents and those who are Non- Resident Indian. The bank provides the products like the home loan, personal loan, car loan, gold loan, loan against the property, fixed deposit etc. It has also the array of other services which includes the insurance, investment, foreign exchange, video branch, direct connect, cash on mobile etc. It provides the complete solution for the customer.
Basic details about IndusInd Bank products
| Product | Eligibility | Loan Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| Home Loan | The age of the applicant should be between 21 - 65 years Salaried individuals with minimum 3 years experience Business concerns, professionals and self-employed individuals working in the line of business/ profession for at least 3 years | Depend upon the individual's income and profile. | 8.40% - 9.75% | 0.50% of the loan amount | Up to 30 years or until attaining age of 70 years |
| Personal Loan | The age of the applicant should be between 21 - 60 years ( for the salaried individual) and 25-65 (for the self- employed professional or businessman) The minimum net salary should not be less than ₹ 25,000 per month for the salaried Individual For the self- employed businessmen or professionals the minimum annual net income should be ₹ 4.8 lakh for last 2 years. The salaried individual should have the minimum experience of 2 years in the job and at least 1 year at the current organisation. For the self employed professionals the minimum work experience should be at least 4 years and at least 5 years of work experience post qualification for the self- employed businessman. For the salaried individuals- You should at least have 1 year stay at the current residence. | Minimum of ₹50,000 Up to maximum of ₹ 15 lakh | 10.25% - 26.00% | 2.50% of the loan amount | Up to 5 years |
| Car Loan | Eligible Segments - Individuals, professionals, reputed firms and companies The age of the applicant should be between 21- 60 years for salaried individuals and 21- 65 years for self- employed. Minimum annual gross salary of the individuals should ₹ 2.50 lakh for salaried individual and minimum net profit for the self- employed should be ₹ 2 lakh. The salaried individuals Should have minimum work experience of 3 years and at least 1 year with the current employer. The self- employed should have the minimum experience of 3 year in the current business or professions. The applicant must have the residential stability. The minimum stay in the city should be at least 3 years and minimum stay of 1 year in the current residing house. The CIBIL score should be 600 and above. Should not have negative or caution profile. | 85% of the showroom value. Depend on the income and profile of the applicant. | As per bank's guidelines | Nil | For new vehicles - 3 years |
| Loan Against Property | Eligible Segments - Individuals, professionals, reputed firms and companies, closely held public limited company. Should be of age between 21- 70 years Any individual filing the income tax returns can apply. | As per the individual income and the property evaluation | 10.35%- 14.10% p.a. | 2% of the loan amount | Up to 15 years |
| Gold Loan | Any individual between 21 to 70 years Should own the gold. | Up to ₹ 6 lakh | 11.65%- 15.35% p.a. | 2% of the loan amount | From 3 to 12 months |
| Fixed Deposit | Individual Joint (max. 4 people) A guardian on behalf of a minor HUF Partnership Firm A company Association or any other Institution | Minimum - ₹ 1,000 Maximum - No predetermined limit | 2.50% - 6.00% | 15 days - 10 years 7 days - 14 days only on single deposit of ₹ 5 lakhs & above |
Documents Required
The documents required for the different products by IndusInd Bank Ghaziabad are mentioned in the table below:
| Products | Documents Required |
|---|---|
| Home Loan | Loan Application with passport size photograph of applicant / guarantor Identity proof- Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible) Residence proof- Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy. Signature proof- Passport/ PAN Card Processing fee cheque Detailed cost estimate/valuation report from Bank's Panel Chartered Engineer/Architect Allotment letter of Co-operative Housing Society/ Apartment Owners' Association/Housing Board/NOC from the Society/Association/Builders/Housing Board Legal Scrutiny Report, EC for the past 13 years, Property Tax paid receipt, Khata and permission for mortgage, wherever necessary Last 3 months Salary Certificate and Form No.16/ITR for last 3 years (in case of salaried persons) IT Returns filed for the past three years (in case of non-salaried persons) Educational qualification certificate and the Proof of business existence (in case of self-employed businessmen or professionals) Balance Sheet and P&L Account for the past three years (in case of self-employed businessmen or professionals) |
| Personal Loan | Loan Application with passport size photographs Proof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible) Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy. Latest 3 months Salary Certificate and Form No.16 ( for the salaried individual) ITR/ITAO along with computation of income, B/S, P&L account with all scheduled certificate by the CA for last 2 years ( For the self- employed) Bank statement: For salaried individuals: Last 3 months bank statement (where salary is credited) For the self- employed: latest 6 months bank statement/ passbook (current account) For the self- employed: Proof of Qualification, Proof of continuity of business or profession. |
| Car Loan | 1 passport size photograph Proof of Identity: Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible and self attested) Proof of Address: Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy. Proof of Income: Latest 2 months salary slip with form 16 Audited balance sheet, and the latest 2 years IT returns of the company/ Latest ITR, bank statement reflecting salary credits for last 4 months. Bank Statement: Income statement, balance sheet and ITR for last 2 years ( for self- employed), Last 6 months bank statement (for salaried individual) Business Proof: CST Certificate/ Labour act, Shop establishment act/ssi certificate, Proof of ownership of entity, Rental deed/ Utility deed in the name of the company. |
| Loan Against Property | Duly filled Loan Application with passport size photographs - 2 copies each Identity proof- Passport copy, PAN Card, Voters Id card, driving license( Laminated, Recent, Legible) Residence proof- Ration card/Driving license/Voters card/passport copy/telephone bill/ electricity bill/Life insurance policy. Signature Proof: Passport/ PAN Card. Income proof: Last 3 month salary slip or salary certificate and ITR/ Form-16/ Appointment letter ( for the salaried individual) Last 2 years income tax returns and complete business profile and acknowledgement. Last 2 years financial with full schedules and audits by the certified CA. Bank Statement- Last 6 months bank statement, Last 3 years Profit/ loss and Balance sheet ( for self- employed professionals) Processing Fee cheque Property related documents: All the title related documents of the property that you wish to mortgage for loan. |
| Gold Loan | Identity proof Residence proof Photographs Signature proof |
| Fixed Deposit | Application form Copy of PAN Card / Form 60 or 61 (in case the customer does not have PAN Card) 2 Photographs of Depositor/s Identity Proof and Address Proof Any other related documents as applicable to proprietorship concern, Partnership Firm, Company, HUF etc. |