IndusInd Bank Guwahati

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About IndusInd Bank

The IndusInd bank is one of the private banks in India. The bank is one of the first among the new generation banks and was set up in the year 1997. The bank was inaugurated by then finance minister Sh. Manmohan Singh.The bank was established with the capital amount of 1000 million which was raised by both the Indian residents and the Nonresident Indians. The main idea of the bank is to give its customer the products and services that are at par with the standards of the banking sector. The name of the bank is influenced by the ancient Indus valley civilization. The bank has been influenced by it which was a combination of innovation and excellent in trade and business. The bank is also influenced by it and has developed many new innovative concepts like my account my number, video branch etc

The bank has grown rapidly and ceaselessly to provide the best quality services to the client. The bank has outgrown and spread its branches to different parts of the country with more than 1000 branches and 1,800 ATM. It has three representative offices outside India namely in London, Dubai, Abu Dhabi. The main aim of the bank is to be the forerunner among the galaxy of banks in terms of profitability, productivity, and efficiency. It has specialized in the Retail banking. The bank has proposed to double its branches, client, and profit within the three years. The bank has achieved many milestones and has a long way to go.

Address of IndusInd Bank Branches in Guwahati

Branch NameAddressIFSC CodeMICR Contact Details     
GuwahatiG. S. Road, Bhangagarh, Guwahati 781 005INDB00000 387812340020361 2452864 / 65 / 68 2452867
Zoo Road GuwahatiUpper Ground Floor And 1st Floor Hotel Parnil Palace, Zoo Road Tiniali Guwahati 781024 AssamINDB00006037812340032200012
Beltola GuwahatiGround Floor 60 Basistha Road Beltola Guwahati 781 028 AssamINDB00006627812340042220212

Products Offered by the IndusInd Bank in Guwahati

Are you looking for the bank which can give you required financial advice to you? If you are looking for it in the city of Guwahati then the IndusInd bank is one of the important and trusted banks in the city with every other solution available in their financial kit to meet your requirements. The products include the home loan, personal loan, car loan, loan against property, fixed deposit etc. It has also innovated many new services like my number my account, mobile on cash etc. for the convenience of the customers.

Basic details about IndusInd Bank products

ProductEligibilityLoan AmountInterest RateProcessing FeeTenure
Home LoanThe 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.8.70% - 9.40%0.50% of the loan amountUp to 30 years or until attaining age of 70 years
Personal LoanThe 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 10.99% - 16.00%2.50% of the loan amountUp to 5 years
Car LoanEligible 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 guidelinesNilFor new vehicles - 3 years
Loan Against PropertyEligible 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 amountUp to 15 years
Gold LoanAny individual between 21 to 70 years

Should own the gold.
Up to ₹ 6 lakh11.65%- 15.35% p.a.2% of the loan amountFrom 3 to 12 months
Fixed DepositIndividual
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
3.50% - 8.65%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 Guwahati are mentioned in the table below:

ProductsDocuments Required
Home LoanLoan 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 LoanLoan 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 Loan1 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 PropertyDuly 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 LoanIdentity proof
Residence proof
Photographs
Signature proof
Fixed DepositApplication 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.

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