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 Name | Complete Address | IFSC Code | MICR Code | Contact Number |
|---|---|---|---|---|
| RCPC - Ernakulam | State Bank Of India, Regional Business Office - II ( SU ), LHO Annexe - II, Shanmugham Road, Cochin, Dist: Ernakulam - 682031 | SBIN0013824 | NON-MICR | 0484-2361318, 2352079 |
| Kochi Shipyard | P.B. No. 1655, Perumanur, M.G. Road Pin- 682015 | SBIN0003229 | 682002004 | 0484-2354786 |
| NRI, Kochi | Deepa Theatre Bldg, M.G. Rd., NRI Kochi, Ernakulam, Kerala | SBIN0006561 | 682002008 | 1800 425 3800 |
| Perumanoor | Parambi Estate, Perumanoor, Ernakulam, State Kerala, Pin 682015 | SBIN0008660 | 682002012 | 0484-2359038 |
| Vyttila, Kochi | 29 1288, B - Cummins Building Vyttilla Junction, National Highway, Kochi , Pin - 682019 | SBIN0008694 | 682002013 | 0484-2302365, 2303521 |
| Cepz Kakkanad | Ernakulam, Kerala, Pin 682030 | SBIN0009485 | 682002015 | 0484-2413185 |
| Kochi | Calvetty Rd, Fort Cochin, Ernakulam, Kerala | SBIN0000826 | 682002018 | 1800 425 3800 |
| Overseas Branch, Kochi | Dist Ernakulam, Kerala 682003 | SBIN0000967 | 682002019 | 0484-2666210 |
| Panayapalli, Kochi | Post Bag No. 280, XII By 1052, Panyapally, Kochi, Dist Ernakulam, 682002 | SBIN0002250 | 682002020 | 0484-2227433 |
| Kochi Port Trust | North End, Willingdon Island, Cochin Port Trust, Ernakulam, Kerala | SBIN0006367 | 682002021 | 1800 425 3800 |
| Ambalamedu | Near Factcd Main Gate Via Tripurith Ura, Ambalamedu | SBIN0001108 | 682002027 | 0484-2720337 |
| Infopark Branch, Kochi | Npol Compound Kakkanad Ernakulam Kerala 682037 | SBIN0010316 | 682002037 | 0484-2572013 |
| High Court Of Kerala | High Court Complex, Ground Floor, Ernakulam, Kochi, Kerala 682031 | SBIN0010564 | 682002042 | 0484-2392790 |
| Kochi Refineries | Kochi Refineries Compound, Ambalamedu, Ernakulam District, Kerala 682303 | SBIN0010567 | 682002043 | 0484-2822910 |
| Perumbavoor | Mullapalli Bldgs., Alwayemannar Road, Pin 682542 | SBIN0008661 | 682002054 | 0484-2523198 |
| Ernakulam | Plot No. 40/9043/ B, 1st Floor, YMCA Junction, Chittor Road, Ernakulam - 682035 | SBIN0030473 | 682005002 | 0484-2367999 |
| Smart City | Smart City , Heera Cyber Views, Infopark -edachira Road, Thengode P.O., Kochi. Kerala -682030 | SBIN0015789 | NON-MICR | 0484-2372683 |
| Chakkaraparambu | Bldg No. 33/644 C, Govt High School Road, Vennala Po , Kochi. Kerala - 682028 | SBIN0016072 | NON-MICR | 9497717566 |
| Kadavanthra | No 57314 A Naveen Arcaderavindran Road Kadavanthtra Post Ernakulam Kerala 682020 | SBIN0018059 | NON-MICR | 9496251777 |
| Kathrikadavu | Grand Baykattakkara Jnkaloor Kadavanthra Road Kaloorcochin 17 Ernakulam Kerala 682017 | SBIN0018060 | NON-MICR | 9447515599 |
| Panampilly Nagar | Door No 395173 A KC Abraham Master Road Panampilly Nagar Kochi Distt. Ernakulam Kerala 682036 | SBIN0018061 | NON-MICR | 9446574742 |
| Ponekkara | Athekkedath Complex Poysha Road Ponekkara Distt Ernakulam Kerala 682041 | SBIN0018168 | NON-MICR | 9497714779 |
| Sbiintouch Lite, Padamugal | No. Xi673b1, Sbiintouch Lite, Padamugal Kakkanad, Noel House, Posttrikkakara, Ernakulam 682021 | SBIN0019011 | NON-MICR | 9447339953 |
| Desom | Kunnumpuram, Post Desom, Dist. Ernakulam, Kerala- 683102 | SBIN0018621 | NON-MICR | 9446460517 |
| Koothattukulam | Valiyakulangara Towers, Koothattukulam, Dist. Ernakulam, Kerala- 686662 | SBIN0018636 | NON-MICR | 8547853359 |
| SBI intouch Edappally | Metro Pillar Arcade, Edapally, Ernakulam. Kerala- 682024 | SBIN0019128 | NON-MICR | 9446881369 |
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 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 |
