SBI Lucknow

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About State Bank of India (SBI) 

Headquartered in Mumbai, State Bank of India is the leading bank in the Indian subcontinent. It is the oldest commercial bank and holds the top position in the Indian Banking and Financial Industry. It was the first joint stock bank of British India that was sponsored by the government of Bengal. The roots of the bank lie in the colonial India when the Bank of Calcutta was established on June 2nd, 1806. Three years later the bank received its charter and was redesigned as the Bank of Bengal. It was a presidency bank that was merged with other two presidency bank namely the Bank of Bombay and the Bank of Madras in the year 1921 to form the Imperial Bank. The name of the bank was changed to State Bank of India after the independence. It was nationalised in the 1956 and opened numerous branches across the country to provide financial assistance and quality banking products to people of the country. Through its extended network the bank missions at providing service even in the remotest corner. The bank remained at the apex of modern banking and initiates new plans and projects from time to time. It follows the ethical code of conduct and respects its customers and other associates.

Address of State Bank of India Branches in Lucknow

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

Branch NameComplete AddressIFSC CodeMICR CodeContact Number
Thakurganj

Shop No. B - 3 - 4 - 5, Galaxy Building, C. P. 64 , Tahsinganj , Hardoi Road, Lucknow, - 226003SBIN00130782260020699415752970
Aminabad, Lucknow

22, Dr. B.N. Verma Road, Kutchery Rd., Ahalika Complex, Aminabad, Lucknow - 226001SBIN00302832260050020522-2611209, 2618815
Babuganj, Lucknow

N 498/143k, Near I.T. College Crossing, Faizabad Road, Lucknow - 226007SBIN00303502260050030522-2740558
R.D.S.O. Lucknow

Research Design And Standard Organisation, Manak Nagar, Dist: Lucknow - 226011SBIN0013427NON-MICR9452191365
Service Branch

9 Shahnajaf Road Hazratganj Distt Lucknow Uttar Pradesh 226001SBIN00092532260020010522-2207305, 6525459
Lucknow Main Br.

Moti Mahal Marg, Hazaratganj, LucknowSBIN00001252260020020522/ 2230114/ 2234136
Ssi Aish Bagh

Mill Road Lucknow, 226 005 226005SBIN00025042260020040522-2242625
Alambagh

Shringar Nagar Lucknow, 226 005 226005SBIN00032222260020050522-2464520
Aminabad


Aminabad, Dist Lucknow Uttar Pradesh 226001SBIN00015262260020061800 425 3800
Ashok Marg

15, Ashok Marg, Lucknow, U.PSBIN00033472260020071800 425 3800
Behta Saboli, Lucknow

No. B - 15, Sector - L Aliganj, Kursi Road, Near Vishnupuri Chauraha, Lucknow, Pin - 226022SBIN00083512260020080522-2327406
Chander Nagar

P.O. Alambagh Lucknow U.P., Pin - 226005SBIN00060562260020110522-2456099
Ganeshganj

Ganeshganj, Lucknow, Uttar Pradesh, Pin - 226001SBIN00018982260020150522-2682460
Gomati Nagar, Lucknow

2 103, Chandra Bhawan , Vijaykhand Lucknow Pin - 226010SBIN00099162260020170522-2392009 2301743
High Court Lucknow

High Court Campus, Kaiser Bagh, Lucknow, U.P., Pin - 226001SBIN00062192260020180522-2611113
Hussain Ganj

16, Vidhan Sabha Marg, Lucknow, Uttar Pradesh, Pin - 226001SBIN00038142260020190522-2652052
Indira Nagar, Lucknow

A - 6, Faizabad Road , Lucknow, Uttar Pradesh , Pin - 226001SBIN00056792260020200522-2349665
Ismailganj, Lucknow

Faizabad Road, P.O. Chinhat Lucknow, U.P., Pin - 227105SBIN00060582260020210522-2701773
Jail Road

Bangla Bazar Opp. Asiana Colony Lucknow Pin - 226012SBIN00090192260020220522-2422494

Products Offered by SBI in Lucknow

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 CriteriaAmount Interest RateProcessing FeeTenure
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 crores8.65% - 9.20%Minimum - ₹ 1,000 to ₹ 10,000 Up 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
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
10.95% - 15.35%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 price9.05% - 12.60%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
HUF
Private Traders
Professionals
Partnerships Firms
Companies
Clubs
Societies & Corporates
-5.75% - 7.35%-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 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 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 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 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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