Karnataka Bank Patna

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About Karnataka Bank

Karnataka bank is one of the leading banks in the country which was set up in the year 1924. It was formed pre- independence and has been set up with the help of several lawyers and businessmen.It is one of the banks which has served the nation for more than 9 decades and is still moving strongly. The bank has started its operation from a small coastal town in Karnataka and in the past years, it has spread its network in 21 states and 2 union territories. The bank has established itself and the network has 743 branches at present and has succeeded in making the national presence. The bank is striving hard to provide the world class facilities to its customers.

Karnataka bank wants to provide the best quality service and products to its customers. The bank has deployed the latest and upgraded technology which has helped the clients in making the smooth banking transactions at all time. The state of art technology of the bank has been developed by the most efficient and popular companies in the technology business. It is one of the banks that has acknowledged the importance of centralized banking system and was among the first banks to deploy the core banking system so that it can provide the non-stop facilities to the customers. The bank along with the help of its workforce and technology tries to develop and continue the long-term relationship with the customers. It aims to be the most customer-centric and techno- savvy bank that can make the national presence along with the highest standard of corporate governance and strong moral ethics.

Address of Karnataka Bank Branches in Patna

Branch NameAddressIFSC CodeMICR Contact Details
PatnaSR - 01 Dukhan Ram Plaza, Exhibition Road, Near Gandhi Maidan Pirbahore, Patna - 800001KARB00006138000520021800 425 1444

Products Offered by the Karnataka Bank in Patna

Karnataka bank is the bank which has the wide array of products and services that are needed to assist the financial requirements and need of the customs. The bank provides several types of loan products like the home loan, personal loan, education loan, car loan etc. The bank provides other investment services like the insurance, deposits, mutual funds, Demat services, securities and foreign exchange etc.

 

Basic details about Karnataka Bank products

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Documents Required

The documents required for the different products by Karnataka bank Patna 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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