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SBI Kochi

SBI Kochi

Last Updated : Aug. 30, 2018, 6 p.m.

About State Bank of India (SBI)

Serving the banking requirements of people for more than 200 years, State Bank of India has built a distinct image for itself in the banking and financial industry. Though it is the oldest bank in the country but has always strived to maintain the pace with changing marketing condition and emerging need of the people. It has launched various products to meet the standard requirement of the people. It has transformed the way of functioning and extended its services to the masses through net banking. It has broken the myth that banking facilities can only be accessed through the branches thus out rolling the services to all the citizens. The bank imbibes state of the art technology to drive excellence. For providing best services the bank has been rewarded by several recognitions. In the year 2008, the bank was awarded the Best Bank of India by the Banker Magazine, London. It was the 50th most trusted brand in India as per the Brand Trust Report, 2013. Whereas, in the brand trust report 2014, SBI became the 19th most trusted brand in India. It has gained success through engaged customers, dedicated employees and appropriate use of technology. It has become a banker to all to Indians and fulfills the banking expectations of the customers.

Address of State Bank of India Branches in Kochi

The complete address, IFSC Code, MICR Code and customer care details of State Bank of India branches located in Kochi is mentioned in the table below:

Branch NameComplete AddressIFSC CodeMICR CodeContact Number
RCPC - Ernakulam

State Bank Of India, Regional Business Office - II ( SU ), LHO Annexe - II, Shanmugham Road, Cochin, Dist: Ernakulam - 682031SBIN0013824NON-MICR0484-2361318, 2352079
Kochi Shipyard

P.B. No. 1655, Perumanur, M.G. Road Pin- 682015SBIN00032296820020040484-2354786
NRI, Kochi

Deepa Theatre Bldg, M.G. Rd., NRI Kochi, Ernakulam, KeralaSBIN00065616820020081800 425 3800

Parambi Estate, Perumanoor, Ernakulam, State Kerala, Pin 682015SBIN00086606820020120484-2359038
Vyttila, Kochi

29 1288, B - Cummins Building Vyttilla Junction, National Highway, Kochi , Pin - 682019
SBIN00086946820020130484-2302365, 2303521
Cepz Kakkanad

Ernakulam, Kerala, Pin 682030SBIN00094856820020150484-2413185

Calvetty Rd, Fort Cochin, Ernakulam, KeralaSBIN00008266820020181800 425 3800
Overseas Branch, KochiDist Ernakulam, Kerala 682003SBIN00009676820020190484-2666210
Panayapalli, Kochi

Post Bag No. 280, XII By 1052, Panyapally, Kochi, Dist Ernakulam, 682002SBIN00022506820020200484-2227433
Kochi Port Trust

North End, Willingdon Island, Cochin Port Trust, Ernakulam, KeralaSBIN00063676820020211800 425 3800

Near Factcd Main Gate Via Tripurith Ura, AmbalameduSBIN00011086820020270484-2720337
Infopark Branch, Kochi

Npol Compound Kakkanad Ernakulam Kerala 682037SBIN00103166820020370484-2572013
High Court Of Kerala

High Court Complex, Ground Floor, Ernakulam, Kochi, Kerala 682031SBIN00105646820020420484-2392790
Kochi Refineries

Kochi Refineries Compound, Ambalamedu, Ernakulam District, Kerala 682303SBIN00105676820020430484-2822910

Mullapalli Bldgs., Alwayemannar Road, Pin 682542SBIN00086616820020540484-2523198

Plot No. 40/9043/ B, 1st Floor, YMCA Junction, Chittor Road, Ernakulam - 682035SBIN00304736820050020484-2367999
Smart City

Smart City , Heera Cyber Views, Infopark -edachira Road, Thengode P.O., Kochi. Kerala -682030SBIN0015789NON-MICR0484-2372683

Bldg No. 33/644 C, Govt High School Road, Vennala Po , Kochi. Kerala - 682028

No 57314 A Naveen Arcaderavindran Road Kadavanthtra Post Ernakulam Kerala 682020SBIN0018059NON-MICR9496251777

Grand Baykattakkara Jnkaloor Kadavanthra Road Kaloorcochin 17 Ernakulam Kerala 682017SBIN0018060NON-MICR9447515599
Panampilly Nagar

Door No 395173 A KC Abraham Master Road Panampilly Nagar Kochi Distt. Ernakulam Kerala 682036SBIN0018061NON-MICR9446574742

Athekkedath Complex Poysha Road Ponekkara Distt Ernakulam Kerala 682041SBIN0018168NON-MICR9497714779
Sbiintouch Lite, Padamugal

No. Xi673b1, Sbiintouch Lite, Padamugal Kakkanad, Noel House, Posttrikkakara, Ernakulam 682021SBIN0019011NON-MICR9447339953

Kunnumpuram, Post Desom, Dist. Ernakulam, Kerala- 683102SBIN0018621NON-MICR9446460517

Valiyakulangara Towers, Koothattukulam, Dist. Ernakulam, Kerala- 686662SBIN0018636NON-MICR8547853359
SBI intouch Edappally

Metro Pillar Arcade, Edapally, Ernakulam. Kerala- 682024

Products Offered by SBI in Kochi

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 NameEligibility CriteriaAmountInterest RateProcessing FeeTenure
Home LoanMinimum age of the applicant should be 18 years and not more than 70 years at the time of repayment.Up to ₹ 10 crores9.15% - 11.30%Minimum - ₹ 1,000 to ₹ 10,000Up to 30 years
Personal LoanEligible segments - Salaried individual of good quality corporate, self- employed engineer, doctor, architect, chartered accountant, MBA with minimum 2 years standing
Central and state Government
Central PSUs
Profit making State PSUs
Educational Institutions of National Repute
Selected Corporates
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 + GSTUp to 5 years
Car LoanRegular 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 price7.20% - 7.90%For new car- ₹ 1,000
Pre-owned - ₹ 450 to ₹ 9,100 + GST
Maximum - 7 years
Loan Against PropertyAn 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 LoanBusiness units engaged in trading, manufacturing and servicesUp to ₹ 20 croresAs per the bank norms1% of the loan amount15 years
Gold LoanThe age of the applicant should be 21 years and aboveMinimum - ₹ 10,000
Maximum - ₹ 20 lacs
0.10150.50% of the loan amount + GSTUp to 30 months
Education LoanIndian 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 fee15 years
Fixed DepositAn individual either solely or jointly
A minor jointly with a major
Private Traders
Partnerships Firms
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 NameDocuments
Home LoanFor 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 LoanLatest 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 LoanStatement 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 PropertyApplication 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 LoanProof 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 LoanApplication 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 LoanLetter 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 DepositProof 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

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