IndusInd Bank Lucknow

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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 AddressIFSC Code MICR Contact Details
LucknowOld Basant Bldg. H.no. 45/2, Newal Kishore Road, Lalbagh, Lucknow 226001INDB00000192262340020522 2620169, 6566810, 3230365 2628724
AminabadMahila Vidyalaya, Ganga Prasad Road, Aminabad, Lucknow (U.P.)INDB00005192262340510522 2614336, 2622870, 2625994 2625994
Anaura KalaGround Floor, Khasra No 356, Village: Anaura Kala, Teh: Pergana, Lucknow Faizabad Highway, Dist: Lucknow- 227 105, Uttar PradeshINDB00005282262340058795839011
AlambaghGround Floor, Plot No. 5(part) & 7, Ramnagar Bilawan, Kanpur Road, Alambagh, Lucknow- 226005, Uttar PradeshINDB0000543226234007(0522)2453245/2452245
Gomti Nagar , Lucknow1/90, Ground Floor, Vinay Khand, Near Patrakarpuram Crossing, Gomtinagar, Lucknow- 226010, Uttar Pradesh INDB00005422262340080522- 2304125 / 2304126
Aliganj, LucknowGround Floor, B-64, Sector-b, Main Kapurthala Road, Aliganj, Lucknow- 226 020, Uttar Pradesh INDB00005502262340090522- 2329826 / 27
Indira Nagar, LucknowGround Floor Plot No 628/10a, Khasra No 594/3, Faizabad Road, Indira Nagar, Lucknow- 226016, Uttar PradeshINDB00005632262340121860 500 5004
Chowk, LucknowGround Floor, LIC Building, Khun Khun Ji Road, Chowk, Lucknow- 226 003, U.PINDB00005682262340111860 500 5004
Vikas Nagar LucknowUpper Ground Floor C 2 76 77 Mukut Tower Vikas Nagar Lucknow 226022 Uttar PradeshINDB00007132262340132738510
Jankipuram LucknowGround Floor Plot No 6 Sector F Jankipuram Lucknow 226091 Uttar PradeshINDB00007222262340142731540
Aashiana LucknowGround Floor A1668 Sector 1 Lda Colony Kanpur Road Aashiyana Lucknow 226012 Uttar PradeshINDB00007232262340152424912
Munshipulia LucknowGrd Flr Regal Plaza Plot No 16 103 Ring Road Indira Nagar Extn Munshi PULIA Lucknow 226016 U PINDB00007502262340162719016
Vrindavan Yojana LucknowUpper Grd Flr Plot No 9a 9b Saraswati Puram Rae Bareli Road Vrindavan Yojana Lucknow 226014 U PINDB00008322262340172668915
Chinhat LucknowGrd Flr Cp 6 Vikrant Khand Faizabad Road Gomti Nagar Chinhat Lucknow 226010 Uttar PradeshINDB00008652262340539235400247
Vidhansabha Marg LucknowGround Floor 28a Vidhansabha Marg Burlington Chauraha Lucknow 226001 Uttar PradeshINDB00008662262340182200894

Products Offered by the IndusInd Bank in Lucknow

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

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.8.35% - 8.55%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

12.99% - 20.00%

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 Loan Any 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% - 7.35%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:

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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