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About State Bank of India (SBI)
Products Offered by SBI in Guwahati
Documents Required
SBI Guwahati
Last Updated : Aug. 30, 2018, 5:59 p.m.
About State Bank of India (SBI)
State Bank of India is the largest and one of the oldest bank in India. The bank has its roots in the colonial India and was established in the year 1806. It is the well- established government-owned bank. It was nationalised by the Indian government in 1955. After being nationalised the bank extended its network throughout the country. The bank has a total number of 18,354 branches spread even in the remotest corner of the nation. The head office of the bank is located in Mumbai city. The State Bank of India is the banker to every Indian. More than 95% of the country’s population has an account in the bank.Through its extensive presence, the bank extends quality banking products and services to all. It has designed multiple products and schemes to provide a correct remedy for all financial grievances. The plans and policies of the bank are made keeping in mind the needs of all sections of society. The aim of the bank is to deliver customer-oriented services and help them attain their financial goals. It has received several awards and praises for providing worthy services.The bank won National Awards for excellence in MSE Enterprise and for lending to Micro Enterprise. It even won ”The Best Bank” award and ” Best Home Loan Provider Award” in 2008.
Address of SBI Branches in Guwahati
The complete address, IFSC Code, MICR Code and customer care details of State Bank of India branches located in Guwahati are mentioned in the table below:
| Branch Name | Complete Address | IFSC Code | MICR Code | Contact Number |
|---|---|---|---|---|
| Guwahati Main | Pan Bazar Guwahati, Assam 781001 | SBIN0000078 | 781002002 | 0361-2605446, 2543576, 2635829 |
| New Guwahati | Bamunimaidam, Guwahati, Kamrup, Assam | SBIN0000221 | 781002003 | 1800 425 3800 |
| Maligaon | N.F. Rly. Complex, Maligaon, Guwahati, Kamrup, Assam, Pin 781011 | SBIN0000229 | 781002004 | 0361-2673710, 2672430 |
| South Guwahati | G.S.Road, Guwahati, Kamrup, Assam, Pin 781007 | SBIN0001244 | 781002005 | 0361-2524528 |
| A T Road | Guwhatti Dist Kamrup, Assam 781001 | SBIN0001518 | 781002006 | 0361-2547550/ 2607892 |
| Fancy Bazar | SRCB Road, Bulbul Market Fancy Bazar Guwahati Assam 781001 | SBIN0003775 | 781002008 | 0361-2545736, 0361-2547210 |
| Guwahati Refinery Complex | Guwahati, Kamrup, Assam , Pin - 781020 | SBIN0006196 | 781002009 | 0361-2551675 |
| West Guwahati | West Guwahati, A.T. Road, Guwahati, Bharalumukh, Dist. Kamrup, State Assam | SBIN0006878 | 781002010 | 0361-2518787, 0361-2607510, 0361-2518787 |
| Gita Nagar | ZOO - Narangi Road Guwhatti, Kamrup, Assam , Pin - 781021 | SBIN0007202 | 781002011 | 0361-2417741 |
| Guwahati Medical College | Statfed Building, Bhangagarh Guwahati Kamrup, Assam, PIN - 781005 | SBIN0007700 | 781002012 | 0361-2529387, 2461310 |
| Guwahati Airport | Guwahati Airport Borjhar, Amrup, Assam 781015 | SBIN0003776 | 781002013 | 0361-2842440 |
| Narengi | PO Udayan Bihar Guwahati Dist Kamrup, Assam 781171 | SBIN0002093 | 781002014 | 0361-2642337, 2643057, 0361-2643057 |
| Guwahati University | Guwahati University Campus Pin 781014 | SBIN0002060 | 781002015 | 0361-2570510, 0361-2673823, 0361-2570510 |
| Silpukhuri Evening Branch | P.O. Silpukhuri , Guwahati , Dist Kamrup, Assam , Pin - 781003 | SBIN0005606 | 781002016 | 0361-2664122 0361-2666002 |
| Madgharia | P.O. Noonmati, Guwahati, Assam, Dist Kamrup, Assam, Pin - 781026 | SBIN0008265 | 781002017 | 0361-2550688 |
| Chenikuthi | M C Road, Chenikuthi, Dist Kamrup, Assam | SBIN0007976 | 781002019 | 0361-2664056 |
| Pandu Port | Guwahati Shillong, Kamrup, Assam , Pin - 781012 | SBIN0007815 | 781002020 | 0361-2571248 |
| Kalipur Bhutnath | Guwhatti , Kamrup, Assam 781009 , Pin - 781009 | SBIN0009912 | 781002021 | 0361-2545079 |
| Vinoba Nagar | P.O. Gopinathnagar, Guwahati - 16 , Guwahati Kamrup, Assam , Pin - 781018 | SBIN0009150 | 781002022 | 0361-2490037 |
| PBB Ganeshguri | Dr R P Road Lohit Ojha Complex 1st Floor Ganeshguri Guwahati Assam , Pin - 781006 | SBIN0004134 | 781002024 | 0361-2227420 |
| CB Guwahati | Beekay Tower , 2nd Floor, Ganesh Guri , Guwhati , Pin - 781006 | SBIN0004418 | 781002028 | 0361-2231745 |
| Beltola | Beltola, Guwahati , Beltola , Pin - 781029 | SBIN0004419 | 781002029 | 9435065017 |
| Kahilipara | Dispur Kahilipara, Main Road, Jatia , Guwhati , Pin - 781006 | SBIN0004420 | 781002030 | 0361-2381001, 2381002 |
| Hatigaon Charali | Meherban Path, Hatigaon Sijubari Road, Guwahati 781038 | SBIN0005162 | 781002032 | 0361-2234421 |
| RACPC Guwahati | C.B. Tower, G.N.B. Road Silpukhuri Guwahati | SBIN0004488 | 781002033 | 0361-2730811 |
| Sixmile | G.S. Road, Guwahati, Dist Kamrup, Assam - 781022 | SBIN0010327 | 781002035 | 0361-2235878 |
| Assam Engineering College | Jalukbari, Guwahati Kamrup, Assam Pin 781014 | SBIN0010670 | 781002038 | 0361-2673455 |
| Fancy Bazar Traders | Akshay Plaza (2nd Floor), M. G. Road, Fancy Bazar, Guwahati - 781001 | SBIN0013246 | NON-MICR | 0361-2735701 |
| Chandmari | Regalia Complex, MRD Road, Bamunimaidan, Guwahati - 781021 | SBIN0013248 | NON-MICR | 0361-2550124, 2250019 |
| IIT, Guwahati | IIT Campus, Amingaon, North Guwahati, Guwahati, Kamrup District, Assam - 781039 | SBIN0014262 | NON-MICR | 0361-2692030 |
| Zonal Inspection Office, Guwahati | 3rd Floor, Bakshish Plaza, Lokhra Road, Kalapahar Colony Bazar, Guwahati- 781018 | SBIN0015482 | NON-MICR | 9425601891 |
| PBB Lachit Nagar | Lachit Nagar Main Road, Near Sainik Bhawan Rest House, Dist.; Kamrup Metro, Assam:781007 | SBIN0014255 | NON-MICR | 9435340798 |
| Barbari Vip Road | Barbari Chariali, Vip Road, Guwahati, Distt.kamrup Metro. Assam-781035 | SBIN0015768 | NON-MICR | 9085635698 |
| Salbari | Main Bazar Road, Salbari, PO Salbari, Distt. Kamrup. Assam-781318 | SBIN0018557 | NON-MICR | 9436543498 |
| Administrative Office, Guwahati | GS Road , Bhangagarh Guwahati 781005 | SBIN0006207 | 781002150 | 0361-2529850, 2529020, |
| OAD, LHO Guwahati | Dist, Kamrup, Metropolitan State , Assam Pincode , 781009 | SBIN0006939 | 781002998 | 0361-2237631 |
| Fund Settlement Link Office, Guwahati | AT Road, Bharalumukh Guwahati 9, Kamrup Assam | SBIN0008914 | 781002999 | 0361-2237648, 2237649 |
| Panjabari | Opposite Guwahati Psychiatric Hospital, Bagharbori, Guwahati - 781037 | SBIN0013292 | NON-MICR | 9957722344 |
| G S Road | Christian Basti, G S Road, Guwahati - 781 005 | SBIN0012259 | NON-MICR | 9707430120 |
Products Offered by SBI in Guwahati
The State Bank of India offers a wide range of products under the category of loan and investments. The loan products offered by the bank include home loan, personal loan, car loan, education loan, business loan, loan against property and gold loan. It even proffers investment products such as fixed deposits. The details, eligibility criteria, rate of interest and tenure of various loan and investment products offered by the bank are given in the table below:
Basic Details of State Bank of India Products
| Product Name | Eligibility Criteria | Amount | Interest Rate | Processing Fee | Tenure |
|---|---|---|---|---|---|
| Home Loan | Minimum age of the applicant should be 18 years and not more than 70 years at the time of repayment. | Up to ₹ 10 crores | 9.15% - 11.30% | Minimum - ₹ 1,000 to ₹ 10,000 | Up to 30 years |
| Personal Loan | Eligible segments - Salaried individual of good quality corporate, self- employed engineer, doctor, architect, chartered accountant, MBA with minimum 2 years standing Central and state Government Quasi-Government Central PSUs Profit making State PSUs Educational Institutions of National Repute Selected Corporates Pensioners | Minimum - ₹ 24,000 in metro & urban areas, ₹ 10,000 in rural areas Maximum - ₹ 15,00,000 | 11.00% - 14.00% | 1% - 3% of the loan amount + GST | Up to 5 years |
| Car Loan | Regular employee of State / Central Government, Public Sector Undertaking, Private Company or a reputed establishment with minimum annual income of ₹ 2,50,000. Professionals, self-employed, businessmen, proprietary/partnership firms who are income tax assesses with net profit or gross taxable income of ₹ 4,00,000 per annum Person engaged in agricultural and allied activities with minimum net annual income of ₹ 4,00,000 | Maximum - Up to 85% of on-road price | 7.20% - 7.90% | For new car- ₹ 1,000 Pre-owned - ₹ 450 to ₹ 9,100 + GST | Maximum - 7 years |
| Loan Against Property | An employee or a professional, self-employed or an income tax assesses or NRIs (Who has residential property or commercial properties in his own name or in the name of spouse/children/parent/sibling) Minimum net monthly income of the individual should be ₹ 25,000 or ₹ 3,00,000 per annum The maximum age shouldn’t exceed 70 years at the time of repayment | Minimum - ₹ 10 lacs Maximum - ₹ 7.5 crores | 9.45% - 11% p.a. | 1% of the loan + GST Maximum - ₹ 50,000 + GST | Minimum - 5 years Maximum - 15 years |
| Business Loan | Business units engaged in trading, manufacturing and services | Up to ₹ 20 crores | As per the bank norms | 1% of the loan amount | 15 years |
| Gold Loan | The age of the applicant should be 21 years and above | Minimum - ₹ 10,000 Maximum - ₹ 20 lacs | 0.1015 | 0.50% of the loan amount + GST | Up to 30 months |
| Education Loan | Indian Nationals for pursuing higher education in India or abroad where admission has been secured | For studies in India - maximum ₹ 10 lacs Studies abroad - maximum ₹ 20 lacs | 9.35% - 10.75% p.a. | No processing fee | 15 years |
| Fixed Deposit | An individual either solely or jointly A minor jointly with a major HUF Private Traders Professionals Partnerships Firms Companies Clubs Societies & Corporates | - | 2.90% - 6.20% | - | 7 days to 10 years |
Documents Required
The list of documents required to avail the benefit of the financial products are given below:
| Product Name | Documents |
|---|---|
| Home Loan | For Applicants: Completed loan application 3 Passport size photographs Proof of identify (photocopies of Voters ID card/ Passport/ Driving licence/ IT PAN card) Proof of residence (photocopies of recent Telephone Bills/ Electricity Bill/ Property tax receipt/ Passport/ Voters ID card) Proof of business address for non-salaried individuals Statement of Bank Account/ Pass Book for last six months Signature identification from present bankers Personal Assets and Liabilities statement For Guarantor: Personal Assets and Liabilities Statement 2 passport size photographs Proof of identification as above Proof of residence as above Proof of business address as above Signature identification from his/her present bankers Additional Documents for Salaried: Original Salary Certificate from employer TDS certificate on Form 16 or copy of IT Returns for last two financial years, duly acknowledged by IT Deptt. Additional Documents for Professionals/ Self- Employed/ Other IT assesses: Acknowledged copies of three years I.T. returns/ Assessment Orders Photocopies of challans evidencing payment of Advance Income Tax |
| Personal Loan | Latest Photograph, Photo Identity & Residence Proof of the Applicant & Guarantor Income Proof - Salary slips for last 3 months, ITR/ Form 16 for last 3 years (for salaried) |
| Car Loan | Statement of bank account for last 6 months 2 passport size photographs Proof of Identity : (Copy of any one) Passport/ PAN Card/ Voters ID card/ Driving License etc. Address Proof : (Copy of any one) Ration card/Driving License/Voters ID card/ Passport / Telephone Bill/ Electricity bill/Life Insurance policy Income Proof: Latest Salary Slip, Form 16/ ITR for last 2 years, I.T. Returns or Form 16 for the last 2 years, Audited Balance sheet, P&L statement for 2 years, Shop & establishment act certificate / sales tax certificate / SSI registered certificate / copy of partnership ( non- salaried) |
| Loan Against Property | Application form Financial Statements in case limit is over Rs.10.00 Lakh Copy of Sales Tax / VAT / any other Tax Registration if applicable Details of Property offered along with the latest valuation For existing business, statement of accounts maintained with other Banks |
| Business Loan | Proof of Identity: Voter’s ID Card/ Passport/ Driving License/ PAN Card/ Signature identification from present bankers of proprietor, partner of director (if a company) Proof of residence: Recent telephone bills, electricity bill, property tax receipt /Passport/ Voter’s ID Card of Proprietor, partner of Director (if a company) Proof of business Address Panchayat Licence Actual - Past 3 years Balance Sheet, Estimated - Current Year Balance Sheet, Projected - Next Year Balance Sheet CMA form Copy of Sales tax / VAT /any other Tax Registration Memorandum and articles of association of the Company/ Partnership Deed of partners etc. Assets and liabilities statement of promoters and guarantors along with latest income tax returns Project Report Plan / Estimate / Invoices Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable Power Allocation SSI / MSME registration if applicable Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan (for all cases of Rs.2 lakhs and above) Photocopies of lease deeds/ title deeds of all the properties being offered as primary and collateral securities |
| Gold Loan | Application Form for Gold Loans Two copies of photograph of the borrower(s) Proof of Identity - Passport/ PAN Card/ Voters ID card/ Driving License etc. Proof of Address - Ration card/Driving License/Voters ID card/Passport /Telephone Bill/ Electricity bill/Life Insurance policy |
| Education Loan | Letter of admission Completely filled in Loan Application Form 2 passport size photographs Statement of cost of study PAN Card of the student and Parent/ Guardian AADHAR Card of the student and Parent/ Guardian Proof of identity (Driving Licence/Passport/Aadhar/ any photo identity) Proof of residence (Driving Licence/Passport/Electricity bill/Telephone bill) Student/Co-borrower/ guarantor's bank account statement for last 6 months IT return/ IT assessment order, of previous 2 years of Parent/ Guardian/ other co-borrower (if IT Payee) Brief statement of assets & liabilities of Parent/ Guardian/ other co-borrower Proof of income (i.e. salary slips/ Form 16) Parent/ Guardian/ other co-borrower |
| Fixed Deposit | Proof of Identity - Passport, Voter ID card, Driving license, PAN card, Government department ID card Proof of Residence - Bank account statement, Latest electricity bill, Latest mobile/telephone bill, Latest credit card statement, Existing house lease agreement |