State Bank of Bikaner and Jaipur New Delhi

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About State Bank of Bikaner and Jaipur

State Bank of Bikaner and Jaipur is one such public sector bank, which is best known for offering plenty of financial services and products to all its esteemed customers around the globe. Yes, be it loans, insurances or investments, this leading bank ensures that all its products can easily meet your needs in the least time frame. Being founded in the year 1963 so as to bring a drastic change in the Indian banking system, this renowned bank is no doubt ruling the roost. No matter what sort of services you are in need, SBBJ ensures to meet all your needs in the best possible way. 

However, one of the interesting facts about this reputed bank is the fact that it is a public bank, hence has already won the trust of many, and is always ready to cater the multiple needs of one and all. Formed when the merger of State Bank of Bikaner and State Bank of Jaipur took place in the year 1963, it would not be wrong to say that this lender since then has been striving hard to never disappoint any of its valuable customers.  So, those who are in New Delhi, now have a reason to rejoice as SBBJ with its unique products is here.  

State Bank of Bikaner and Jaipur New Delhi Branches

Branch Name Complete Address IFSCMICRCustomer Care
Chandni Chowk, DelhiOutside Katara Neel, 208 Chandni Chowk, Delhi - 110006
SBBJ0010013110003003 011-23929756
Khari Baoli, Delhi6696, Khari Baoli, Delhi - 110006
SBBJ0010014110003004011-23984995
Shahdra Krishna Nagar, DelhiF - 2/17 - 18, Krishna Nagar, Shahdra, Delhi - 110051
SBBJ0010015110003006011-22003878
Connaught Circus, New DelhiG - 72, Connaught Circus, New Delhi - 110001

SBBJ0010016
110003009011-23324699
New Rohtak Road, New Delhi
2C/4, New Rohtak Road, New Delhi - 110005
SBBJ0010017110003015011-28713775
N. I. E. Phase - I, New DelhiNaraina Ind. Estate Phase - 1 Building, First Floor, New Delhi - 110028
SBBJ0010309110003013011-25790450
Faiz Road, Delhi16/67 - 68, Faiz Road, Karol Bagh, Delhi - 110005
SBBJ0010332110003002011-23613488
Lawrence Road, Delhi5, Community Centre, Lawrence Road Industrial Area, Delhi - 110035
SBBJ0010355110003005011-27199754
Bara Khamba Road, New Delhi27, Bara Khamba Road, New Delhi - 110001
SBBJ0010390110003008011-23356814
N. I. E. Phase - Ii, New DelhiYc - 1, Loha Mandi, New Delhi - 110028
SBBJ0010455110003014011-25702349
Karol Bagh, New Delhi
10/89 - 92, Ajmal Khan Road, Karol Bagh, New Delhi - 110005
SBBJ0010466110003012011-25729962
Vivek Vihar, DelhiD - 10, D - Block Shopping Centre, Vivek Vihar, Delhi
SBBJ0010502110003007 011-22151364
Janakpuri, New Delhi
C - 14, C Block, Community Centre, New Delhi - 110058
SBBJ0010553110003010011-25613614
Paschim Vihar, New Delhi
Jwalahedi Market, New Delhi - 110063
SBBJ0010554110003016011-25258512
Kirti Nagar, New DelhiN - 103, Kirti Nagar, New Delhi - 110015
SBBJ0010568110003011011-25414804
Safdarjung Enclave, New Delhi
A - 1/19, Safdarjung Enclave, New Delhi - 110029
SBBJ0010579110003017011-26100374
Saket, New Delhi
16, Community Centre, Saket, New, Delhi - 110017
SBBJ0010580110003018011-26537080
Nangal Raya, New Delhi
304, Jail Road, Nagal Raya, New Delhi - 110046
SBBJ0010624110003019040-23310205
Amar Colony, New DelhiLajpat Nagar, 194, Ramesh Mkt. Garhi, New Delhi - 110065
SBBJ0010630110003020011-26441190

Products Offered by State Bank of Bikaner and Jaipur in New Delhi

The Capital of India never disappoints you when it comes to choices, and this is the reason that SBBJ offers you many financial products to choose from. Yes, right from a car loan, two & three wheeler loan to home loan and personal loan, this lender ensures that all your needs can easily be fulfilled. And, to avail the same, you just need to know the eligibility of the same, and that can easily be understood by reading this page below.  


Basic Details of State Bank of Bikaner and Jaipur Loans 

Product
EligibilityInterest Rate (in p.a.)

Loan Amount TenureProcessing Fee
Home LoanAny individual can easily apply for the home loan at SBBJ.

9.15%

Income upto ₹2 Lakhs-not exceeding-40%
Income above ₹ 2 Lakhs and upto ₹ 5 Lakhs-not exceeding 50%.

Income above ₹ 5 Lakhs-not exceeding 55%. Income of spouse/son/daughter (any two) can be clubbed.
For businessman, loan amount may be considered on the basis of sales, if the loan amount is more than ₹2 Lakhs.
30 YearsUpto ₹ 25,000 - NIL 
Above ₹ 25,000 - Regular Home Loan : 0.50% of Loan Amount 
(Min ₹ 500 & Max ₹ 10,000)
Upto ₹ 25,000 - NIL 
Above ₹ 25,000 - online home loan : 25% Concession on Applicable Processing Fee
(Min ₹ 500 & Max ₹ 10,000) 
Personal Loan To apply for the personal loan, the minimum net monthly income of ₹ 9,000 is required.

Permanent employees of Central / State Govt., Quasi Govt., reputed PSUs, profit making public limited companies, reputed institutions and MNC’s corporates enjoying credit facilities from our Bank having credit rating of SBBJ-1 & SBBJ-2 and reputed institutions with minimum of 2 years service drawing salary through account maintained with our bank.

11.60% - 13.65%

24 times of Net Monthly Income by way of demand loan with an upper cieling of ₹ 15 Lakh and lower limit of ₹ 0.50 Lakh.EMI Upto 60 months subject to repayment of loan upto maximum of superannuating age1.00% of loan amount
Car Loan Salaried employees & Pensioners:
Minimum Net Annual Income (NAI) of ₹ 3 Lakh for all, whether or not maintaining Salary Package Account with us.

Self- employed, professionals and Proprietary / Partnership Firms:
Minimum Net Profit or Gross taxable income of  ₹ 4 Lakh as per ITR.


9.60% - 12.70%

30 times of Net Monthly Income or

2.5 times Net Annual Income.

No maximum ceiling for new cars

₹15 lacs for old vehicles
EMI 36-84 months
Repayment to be completed by the time the borrower reaches 70 years
Flat ₹ 750/- per car loan
Loan for Earnest Money
Individuals above 21 years with a steady source of income0.121590% of application money or
15 times NMI.
Incomes of all the applicants may be taken into account if application is in joint names or
10% of the value of the house/ plot/ flat or
₹ 5.00 lacs
Which ever is lower
Care should be taken to finance only genuine applicants (individuals only) should be financed and not the speculative buyers.
On receipt of refund 
Lump sum repayment on availing of housing loan but period is not more than 12 months
0.60% of the loan amount Minimum ₹ 110/-
SBBJ Varisth Nagarik Pension Loan Yojana
A) Pensioners - All central and State government pensioners, pensioners of various Central/ State Govt. Undertakings and pensioners of SBBJ, whose pension accounts are maintained by our branches.

B) Family pensioners - Family pensioner i.e. spouse authorized to receive pension after the death of the pensioner.

In addition to the pensioners availing pension from our branches, the pensioners whose pension is disbursed by Government treasuries by means of cheques / bills payable, as per mandate of the pensioner, are also eligible for availing pension loan. In such cases, the original Pension Payment Order (PPO) remains in custody of the Treasury and the pensioner will give a mandate to the Treasury for payment of pension through a particular branch of the Bank.
Such pensioners will be included under the purview of the scheme subject to the following conditions:

1. The pensioner concerned will furnish an irrevocable undertaking that he / she will not amend the mandate to the treasury to pay the pension from a particular SBBJ branch, during the currency of the loan availed by him from SBBJ.

2.The concerned Treasury consents in writing that it will not accept any request from the pensioner to transfer his / her pension payment to any other bank / branch till an NOC is issued by the Bank.
9.95%-SBBJ pensioners,
12.70%-Other Pensioners
Pensioners –
Minimum loan amount : ₹ 10,000/-
Maximum loan amount : equivalent of 18 months pension with a ceiling of 
₹ 5.00 lacs.
Family pensioners -
Minimum loan amount : ₹ 10,000/-
Maximum loan amount : Equivalent of 18 months pension with a ceiling of ₹ 3.50 lacs 
For other than SBBJ Family pensioners 
Family pensioners < or = 70 years : ₹ 3.50 lacs
Family pensioners >70 years and < or = 72 years : ₹ 2.00 lacs

For SBBJ Family pensioners 
Family pensioners < or = 70 years of age : ₹ 3.50 lacs
Family pensioners >70 years and < or = 75 years of age : ₹ 2.00 lacs
24-60 Months ₹ 500/- per application
SBBJ Two Wheeler Loan
An individual must earn a minimum monthly income of ₹ 5000/- or net Min. Annual income ₹ 60000/-Min, ₹ 10000/-, 12 times of NMI Max. ₹ 75000/-36 to 60 months 1.15% of the loan amount
SBBJ Education LoanThe student should be an Indian National.
Should have secured admission to a higher education course in recognized institutions in India or abroad through Entrance Test / Merit Based Selection process after completion of HSC (10+2 pr equivalent)
₹ 10 Lakh for education in India

₹ 20 Lakh for education in Abroad
Course period + 1year or 6 months after getting job, whichever is earlier.

Repayment of the loan will be in equated monthly instalments (EMI) for periods as under:- 
For loans upto  ₹ 7.5 Lakhs. - up to 10 years.
For loans above 7.5 Lakhs. -upto 15 years
NIL
SBBJ Mortgage LoansPermanent employees, self employed, professionals, NMI min. ₹ 25000/-
Businessmen, agriculturists Annual income ₹ 300000/-
Age 60 years (65 in special cases)
Minimum - ₹1.00 lacs Maximum - ₹100 lacs EMI/NMI not to exceed 60% OR 75% of the market value/ realizable value/DLC Rate of the Property whichever is the lowest EMI 84 -120 months

Repayment to be completed by the time the borrower reaches 70 years
1.15% of loan amount

Documents Required

ProductDocuments
Home Loan List of documents required by the bank from all applicants

Duly filled loan application
3 recent passport size photographs
Identify proof (Voter ID card/Passport/ Driving licence/IT PAN Card)
Residential proof (photocopy of recent electricity bill/telephone bill/property tax receipt)
Proof of business address for non-salaried individuals
Bank statement/Pass Book of last three month
Signature identification from present bankers
Personal Assets and liabilities statements

Documents required from guarantor
Personal assets and liabilities statements
2 recent passport size photographs
Identification proof as stated above
Business address proof as state above
Signature identification from present bankers

Additional documents required for salaried persons
Original salary certificate from employer
TDS certificate on Form 16 of IT return for last two financial years, duly acknowledged by IT department.
Additional documents required for Professionals/self-employed/other IT assesses
Acknowledged copies of three years IT return/Assessment orders
Photocopies of challans evidencing payment of Advance Income Tax
Personal LoanIncome Proofs
The income proofs could be salary slips or bank transactions to avail SBI personal loans.
Multiple Income Source
Yes, you can combine the income of your spouse to increase your chances of getting a higher personal loan amount in SBI.
ID Proofs
You need to submit your passport/voter ID card/driving license to avail SBI personal loan.
Documentation for Salaried Applicant
Latest salary slip
Current dated salary certificate with the latest Form 16
Documentation for Self-employed Applicant
Latest Bank statement
Latest ITR or Form 16
SBBJ Varisth Nagarik Pension Loan YojanaApplication Form 
D.P.Note 
Arrangement letter 
Authorization letter – Auto debit from account 
Irrevocable Letter of Authority 
Irrevocable Letter of Authority to Bank from pension paying and disbursing Authority
Car Loan Salaried Professional
Age Proof: Passport Copy/PAN Card/ Voter ID card, Photo Driving License with birth date (laminated, recent, legible)/Photo ration card with DOB/Employer certificate/ID/School/College Leaving Certificate
Identity Proof :PAN Card/Voter ID/Passport/Driving License, 2 passport size photographs
Income Proof :Form 16 for last 2 years, Latest Salary Slip, 6-month bank statement
Address Proof :Latest Telephone Bill/ Electricity Bill/Property Tax Receipt/Passport/ Voter ID
Signature Verification Proof :Driving License/Passport copy/PAN Card

Self-employed
Age Proof: Passport Copy/PAN Card/Voter ID card, Photo Driving License with birth date (laminated, recent, legible)/Photo ration card with DOB/Employer certificate/ID/School/College Leaving Certificate
Identity Proof:PAN Card/Voter ID/Passport/Driving License, 2 passport size photographs
Income Proof :IT returns for the last 2 years along with audited balance sheet, P&L account statement for 2 years, Shop & establishment act certificate / sales tax certificate / SSI registered certificate / copy of partnership
Address Proof :Latest Telephone Bill/ Electricity Bill/Property Tax Receipt/Passport/ Voter ID
Signature VerificationProof :Driving License/Passport copy/PAN Card
SBBJ Education LoanThe student should be an Indian National.
Should have secured admission to a higher education course in recognized institutions in India or abroad through Entrance Test / Merit Based Selection process after completion of HSC (10+2 pr equivalent)
SBBJ Mortgage LoansPermanent employees, self employed, professionals, NMI min. ₹ 25000/-
Businessmen, agriculturists Annual income ₹ 300000/-
Age 60 years (65 in special cases)

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