State Bank of Bikaner and Jaipur Patna

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About State Bank of Bikaner and Jaipur

Are you in search of a lender that can fulfill all your financial needs without any hassle? If yes, State Bank of Bikaner and Jaipur is an ideal option for you. This public sector bank offers numerous financial products to suit your financial needs. Yes, right from a personal loan, car loan to education loan and home loan and what not, this leading bank ensures to offers all so that all its customers around the world can easily be satisfied. Formed in the year 1963 with a vision to transform the way look at the banking system, there is no denying the fact that SBBJ is a name you can easily trust.

With its exclusive range of products, the only endeavor of the bank is to meet the multiple needs of one and all. Moreover, with numerous branches nestled at various locations, the bank makes sure to reach out each and every customer in the best possible way. Keeping this thing in mind, State Bank of Bikaner and Jaipur can easily be found in the beautiful city of Patna so that it will be accessible to everyone. Thus, whenever you are in need of a financial help, don’t think twice as SBBJ will always there for you.

State Bank of Bikaner and Jaipur Patna Branches

BranchAddressIFSCMICRCustomer Care
Ashok Rajpath, PatnaAshok Rajpath, Patna - 800004
SBBJ00100028000030020612-2671797
R Block, Patna
Chanakya Palace, Patna - 800001
SBBJ00105018000030030612-2223127
Frazer Road, PatnaHarshwardhan, Lok Nayak Bhawan, Patna - 800001
SBBJ00107908000030050612-2231812
Bihta(Dist-Patna)
Bihta Main Road, Opposite Old Bandh Office, Post-Bihta, Dist.-Patna, Bihar-
SBBJ001108880000350106115-252209/ 09771457887
Saguna More, Danapur, PatnaPlot No- 102, Chandra Complex, Near Bank Of Baroda, Saguna More, Danapur, Patna, Pin 801503
SBBJ0011242800003006+91-9471003630
P C Colony KankarbaghG 122, P.C. Colony, Po - Lohia Nagar, Kankarbagh, Patna, Bihar - 800020
SBBJ00113248000030077544003390
KhajpuraMadhuri Complex Magistrate Colony More Ashiya Road, Patna, Bihar-800014
SBBJ00115028000030082580419
Patna City (Marufganj)Marufganj, Patna - 800008
SBBJ00106628000030040612-2617808

Products Offered by State Bank of Bikaner and Jaipur in Patna

If you are in Patna, you don’t need to worry as SBBJ offers plenty of thoughtfully designed financial products to choose from. Yes, be it a car loan, personal loan, education loan, two & three wheeler loan, SBBJ offers all sorts of loans to meet your needs. However, to know about the eligibility of the same, kindly take a look at the 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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