Karnataka Bank Guwahati

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About Karnataka Bank

Karnataka Bank is one of the known banks in India which has been set up in the year 1924 in Mangalore. It has been formed before Independence and the bank has grown leaps and bounds since then. The bank was formed as a result of the aftermath effect of the patriotic zeal due to the national movement of freedom in the initial 20th century. The capital amount for the foundation of the bank was contributed by several lawyers and businessmen. The bank has made several changes with the time. It has improved in all aspects as per the requirement demanded. The bank has included technology and made the banking easy for the customers. The inclusion of technology has made the whole system of banking easy and convenient for everyone.

The bank has spread its network and has branches in 21 states and 2 union territories. The bank has about 743 branches where around 7,669 employees serve 1.9 million customers. The bank aims to provide the quality service at all levels to the clients. It wants to offer the best products and services to the customer. Its main focus is to develop the long-lasting relationship with the bank. The bank wants to be the best in the banking business by being the most preferred choices of the people.

Address of Karnataka Bank Branches in Guwahati

Branch NameAddressIFSC CodeMICR Contact Details
GuwahatiIst Floor, Ganga Bhavan, Opp Sb Deorah College, Gs Road, Ulubari, Guwahati - 781007KARB00002647810520021800 425 1444

Products Offered by the Karnataka Bank in Guwahati

Karnataka bank has all products and services that are required to give the best solution for the financial problems and requirements. The bank offers the home loan, personal loan, loan against property, car loan, education loan, gold loan, and business loan. The bank has other banking services like the Mutual funds, Insurance, Demat services etc. It gives the overall option to its customer for financial advancement.

 

Basic details about Karnataka Bank products

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Documents Required

The documents required for the different products by Karnataka 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.
Education loanDuly filled application with recent photographs.
Proof of residence – Passport/ Utility bill/ Allotment letter.
Date of Birth proof
Certificate of Domicile
Fee particulars from school/ college
Scholarship proof
Study Certificate
Business loanI.T.R. - 2 Years, Balance Sheet and Profit & Loss Account
Proof of ownership of Residential or Commercial Property (including Parental Property) in select locations
Latest 6 months Bank statement of Business.
Proof of Identity
Proof of Residence
Fixed Deposit2 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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