IndusInd Bank Patna
Last Updated : Nov. 14, 2018, 6:20 p.m.
About IndusInd Bank
The IndusInd bank was formed in the year 1994 and is one of the new generation banks. The bank is one of the leading private sector banks. It is one of the banks that has been the joint ventures of the Indians as well as the Non- Resident Indians. The bank was established with the capital amount of ₹1000 million and it was raised by both of the Indian and NRIs equally. It also offers the products and services to both categories of customers. The bank has the headquarter in the city of Mumbai and has expanded its network by its presence in 147 geographical location with more than 1000 branches and 1,800 ATMs. It also has started the international operations by setting up three foreign representing offices in Dubai, Abu Dhabi, and London.
The bank has been the vision of Mr. S.P. Hinduja, a businessman and founder of the Hinduja group. It has been operational to contribute to the constructive growth of the country. The bank has achieved many awards and recognition for its work in the banking sector. It also was awarded as the ‘Bank of the Year’ in 2015 by the Business India. It is growing rapidly and striving hard to achieve a milestone that can help it to stand out from the comity of banks. The bank has set up the goal for next three years where it wants to double the branches, client, and profit. The bank wants to be most preferred and trusted bank in India.
Address of IndusInd Bank Branches in Patna
| Branch Name | Address | IFSC Code | MICR | Contact Details |
|---|---|---|---|---|
| Patna | Showroom No. Sr02, Rajendra Ram Plaza, Exhibition Road, Patna | INDB0000055 | 800234002 | 0612 2206140, 2202542, 2202938 2207583 |
| Boring Road Patna (ii) | Ground Floor, Vishwas Amawan House, Jamuna Apartments Complex (front Block), Boring Road, Patna- 800 013. Bihar | INDB0000393 | 800234004 | 0612-2570235, 2570236, 2570240, 2572241 |
| Kankarbagh, Patna | Ground Floor- Ds-20, Gayatri Mandir Road, Kankarbagh Colony, Patna- 800 020, Bihar | INDB0000516 | 800234007 | 0612-2356651/2/3/4 |
| Rajendra Nagar, Patna | Ground Floor, Plot No 158, Block-a, Arya Kumar Road, Rajendra Nagar, Patna- 800 016, Bihar | INDB0000531 | 800234006 | 0612-2665601 - 04 |
| Khazanchi Road- Patna | Ground Floor, Paras Bhawan, Khazanchi Road, Ward No 9, Po: Bankipur, Patna- 800 004, Bihar | INDB0000552 | 800234009 | 0612-2300551 - 54 |
| Ashiana Nagar- Patna | Ground Floor, #10, Abhinav Apartments, Main Ashiana Digha Road, Near Passport Office, Ashiana Nagar, Patna- 800 014, Bihar | INDB0000534 | 800234008 | 0612-2580015; 0612-2580050; 0612-2580071; 0612-2580080(FAX) |
| Anishabad- Patna | Ground Floor, Radhika Complex, Ballambi Chowk More, Khagaul Road, Anisabad, Patna- 800 002, Bihar | INDB0000555 | 800234010 | 0612-2250231 / 2250232 / 2250234 / 2250235 |
| Patna City | Plot No.764 And 765, Mohalla Kucha Ganesh Chowk, Ashok Raj Path, Patna City 800008 | INDB0000590 | 800234011 | 2640084 |
| Saguna More Patna | Ground Floor Plot No 115 Surya Bp Commercial Centre Danapur Saguna More Patna 801503 Bihar | INDB0000928 | 800234012 | 222335 |
Products Offered by the IndusInd Bank in Patna
The IndusInd bank is one of the banks which offers an array of products and services to its customer. It has different types of loan product to provide the complete solution for the financial requirement. The loan product includes the personal loan, car loan, loan against property, home loan, business loan etc. It also gives other products like the insurance, fixed deposits etc. It also has started with the services like cash on mobile, quick redeem, video branch etc. for the easy and convenient banking for the customers.
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 Patna 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. |
