IndusInd Bank Lucknow
Last Updated : Sept. 5, 2018, 3:24 p.m.
About IndusInd Bank
The IndusInd bank is one of the private sector banks in India. The bank has been established in the year 1994 and the dream was commenced by Mr. S.P. Hinduja, the NRI businessman and founder of the Hinduja group. The bank was inaugurated by then finance minister Sh. Manmohan Singh. It was started with the capital money of 1000 million and the funds were equally raised by the Indian residents and the NonResidents Indians. The bank was established so as to contribute to the economic and social development of India. The bank also enjoys the clearing status for the major stock exchange and the major commodity exchange.The name of the bank was derived from the ancient and famous Indus Valley Civilisation. The bank was inspired by the spirit of the innovation and sense of business and trade practices. It also wants to make new innovations and make the banking experience of the people more easy and convenient.
The IndusInd bank has a total of more than 1000 branches in India along with 1,800 ATMs. It is spreading the network internationally as well with three representative office in London, Dubai and Abu Dhabi. The bank has the aim to double the number of branches in the country. The bank has the objective to be the leaders and become the forerunners in terms of the profits, productivity, and efficiency. It wants to become the relevant business and trade partner of the stakeholders. The bank wants to focus on the customer responsiveness and deliver the quality products and services to the clients. The bank wants to become the most profitable and preferred banking partners for the customers.
Address of IndusInd Bank Branches in Lucknow
| Branch Name | Address | IFSC Code | MICR | Contact Details |
|---|---|---|---|---|
| Lucknow | Old Basant Bldg. H.no. 45/2, Newal Kishore Road, Lalbagh, Lucknow 226001 | INDB0000019 | 226234002 | 0522 2620169, 6566810, 3230365 2628724 |
| Aminabad | Mahila Vidyalaya, Ganga Prasad Road, Aminabad, Lucknow (U.P.) | INDB0000519 | 226234051 | 0522 2614336, 2622870, 2625994 2625994 |
| Anaura Kala | Ground Floor, Khasra No 356, Village: Anaura Kala, Teh: Pergana, Lucknow Faizabad Highway, Dist: Lucknow- 227 105, Uttar Pradesh | INDB0000528 | 226234005 | 8795839011 |
| Alambagh | Ground Floor, Plot No. 5(part) & 7, Ramnagar Bilawan, Kanpur Road, Alambagh, Lucknow- 226005, Uttar Pradesh | INDB0000543 | 226234007 | (0522)2453245/2452245 |
| Gomti Nagar , Lucknow | 1/90, Ground Floor, Vinay Khand, Near Patrakarpuram Crossing, Gomtinagar, Lucknow- 226010, Uttar Pradesh | INDB0000542 | 226234008 | 0522- 2304125 / 2304126 |
| Aliganj, Lucknow | Ground Floor, B-64, Sector-b, Main Kapurthala Road, Aliganj, Lucknow- 226 020, Uttar Pradesh | INDB0000550 | 226234009 | 0522- 2329826 / 27 |
| Indira Nagar, Lucknow | Ground Floor Plot No 628/10a, Khasra No 594/3, Faizabad Road, Indira Nagar, Lucknow- 226016, Uttar Pradesh | INDB0000563 | 226234012 | 1860 500 5004 |
| Chowk, Lucknow | Ground Floor, LIC Building, Khun Khun Ji Road, Chowk, Lucknow- 226 003, U.P | INDB0000568 | 226234011 | 1860 500 5004 |
| Vikas Nagar Lucknow | Upper Ground Floor C 2 76 77 Mukut Tower Vikas Nagar Lucknow 226022 Uttar Pradesh | INDB0000713 | 226234013 | 2738510 |
| Jankipuram Lucknow | Ground Floor Plot No 6 Sector F Jankipuram Lucknow 226091 Uttar Pradesh | INDB0000722 | 226234014 | 2731540 |
| Aashiana Lucknow | Ground Floor A1668 Sector 1 Lda Colony Kanpur Road Aashiyana Lucknow 226012 Uttar Pradesh | INDB0000723 | 226234015 | 2424912 |
| Munshipulia Lucknow | Grd Flr Regal Plaza Plot No 16 103 Ring Road Indira Nagar Extn Munshi PULIA Lucknow 226016 U P | INDB0000750 | 226234016 | 2719016 |
| Vrindavan Yojana Lucknow | Upper Grd Flr Plot No 9a 9b Saraswati Puram Rae Bareli Road Vrindavan Yojana Lucknow 226014 U P | INDB0000832 | 226234017 | 2668915 |
| Chinhat Lucknow | Grd Flr Cp 6 Vikrant Khand Faizabad Road Gomti Nagar Chinhat Lucknow 226010 Uttar Pradesh | INDB0000865 | 226234053 | 9235400247 |
| Vidhansabha Marg Lucknow | Ground Floor 28a Vidhansabha Marg Burlington Chauraha Lucknow 226001 Uttar Pradesh | INDB0000866 | 226234018 | 2200894 |
Products Offered by the IndusInd Bank in Luckno w
The IndusInd Bank offers a wide range of the banking products and services to the clients that can help them at the time of financial requirements. The bank provides all types of products like the home loan, car loan, gold loan, fixed deposits etc. It has also started many different services which can be utilised to make the banking experience easy and hassle free. The services include the video branch, Cash on mobile, Denomination selection etc.
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 Gurgaon 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. |
