IndusInd Bank Pune
Last Updated : Sept. 5, 2018, 3:25 p.m.
About IndusInd Bank
The IndusInd bank is one of the leading new generation private sector bank. It was established and became operational in the year 1994. It is widely spreading its branches across the country. As per now, the bank has a total number of more than 1000 branches and 1,800 number of ATMs. The bank is spread in almost 147 geographical location. The bank has the aim to double its number of branches within three years so that it can extend its presence. The main aim of the bank is to engage with its customer and stakeholder and to deliver the sustainable and compliant returns. It provides the tailor made products that cater the financial requirements of the client. It aims to continue the use of the latest and upgraded version of technology and system to make the banking solutions convenient and hassle free for the clients.
The IndusInd bank helps the customers and clients by providing the world class products and giving the highest quality standard services to all those who are associated with it. The bank enjoys the clearing status for the major stock exchange and major commodity exchange. It has earned many accolades for its achievement and has won the award for ‘Best bank in the Year 2015’ by Business India. The main aim of the bank is to give the best banking experience and constantly add the wealth value and to all the stakeholders. It wants to become the most preferred and known banks among the comity of the banks.
Address of IndusInd Bank Branches in Pune
| Branch Name | Address | IFSC Code | MICR | Contact Details |
|---|---|---|---|---|
| Pune | 2401, Gen.thimmayya Rd. (cantonment), Pune - 411001 . | INDB0000002 | 411234002 | 020 26343201 26343241 |
| Aundh | Ground Floor, 163/1, Surmani Society, Dp Road, Aundh, Pune - 411004, Maharashtra | INDB0000269 | 411234004 | 020-25897770 |
| Pimpri Chinchwad | K - 3 TO K - 6, Empire Estate, Mumbai - Pune Road, Chinchwad, Pune - 411019 Maharashtra | INDB0000271 | 411234006 | 020-274 40622 / 88722 / 81493 / 81126 / 89607 / 50529 |
| Kalyani Nagar, Pune | 132, Fort Eliza, Diagonally Opp. Marie Plex Multiplex, Kalyani Nagar, Pune 411 014 | INDB0000307 | 411234007 | 020-26650276 to 26650280 |
| Kondhwa Khurd | Ground Floor, S. No.1 - A (part), Aditya Business Centre, NIBM Road, Kondhwa Khurd, Pune 411 048 | INDB0000173 | 411234005 | 1860 500 5004020-64012724, 26832355 |
| Viman Nagar, Pune | Ground Floor Of Shop No. G-1, G-2, G-3 And 4, Neco Nx, Next To Neco Gardens, Street No 209(part), Viman Nagar, Pune-411 014, Maharashtra | INDB0000380 | 411234009 | 1860 500 50041860 500 5004 |
| Kothrud, Pune | GRD. Floor & Mezzanine Floor, Shop No 13 & 14, Ecstasy Sangam Press Road, Kothrud, Pune 411038 | INDB0000384 | 411234008 | 1860 500 5004 |
| Bhandarkar Road Pune | Plot No 148a Bilwa Kunj Apartment Nr Bhandarkar Institute Bhandarkar Road Pune 411004 Maharashtra | INDB0000746 | 411234011 | 25651391 |
| Baner Pune | 1st Floor Shop No 103 Plot B Icon Tower Survey 114 And 115 Plot B Baner Rd Pune 411043 Maharashtra | INDB0000843 | 411234013 | 6738600 |
| Fatima Nagar Pune | 1 BTP Tain Square B Building Kohinoor Chs Sy No 15 Fatima Nagar Wanowrie Pune 411040 Maharashtra | INDB0000881 | 411234015 | 26862100 |
Products Offered by the IndusInd Bank in Pune
The IndusInd Bank is one of the banks which has innovated a lot of new features for the customer which has enhanced the system of banking. The ideas like my account my number, cash on mobile, quick redeem etc are few of the innovative method that has been included to make the banking experience of the customer more smooth and hassle free. The bank offers different financial products as per the requirements of the client. The product includes the home loan, personal loan, car loan, loan against property, fixed deposit 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 Pune 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. |
