State Bank of Travancore Kolkata

Last Updated : Feb. 18, 2017, 7:58 p.m.

About State Bank of Travancore

State Bank of Travancore provides various banking products and services in India. It functions in Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company’s personal banking services include deposit products, such as savings bank accounts, current accounts, recurring deposit accounts, and reinvestment plans, as well as savings plus, variable deposit and much more.

State Bank of Travancore establishes its presence in Kolkata by setting up some of its branches. The city is the main business, commercial and financial hub of eastern India and the main port of communication for the North-Eastern States. A plethora of IT-SEZ and IT parks have been established in the city, attracting software corporations and Foreign Direct investment in Kolkata. The foreign direct investments infused in the city has been made in coordination with the State Bank of Travancore schemes. The bank has traversed itself in the sphere of providing affordable loans such as MSME loans, SME Easy loan, Vyapaar loan and many more which has led to the employment generation of the huge chunk of lower middle class and middle-class people, getting employed in the local grocery stores, FMCG industries, small scale industries and other large-scale manufacturing industries. The Mahila Vikas scheme offered by State Bank of Travancore promotes women entrepreneurship in Kolkata. Boutiques run mostly by women specializes in Bengali handloom and cottage industries and fusion-fashion have managed to create a niche for themselves in the clothing market while traditional family-led saree stores provide a massive variety of art and fashion which still gain a strong presence in the market.

Branch Addresses of State Bank of Travancore Kolkata

Branch Name	Complete Address	IFSC	MICR	Contact Number
Kolkata - Main	P.B.No.9036, 36, Chowringhee Road, Middle Town Row P.O., Kolkata, West Bengal, Pin - 700071	SBTR0000248	700009002	033 - 2226 4186/ 033 - 2226 6756/ 033 - 2288 5885
Kolkata Lake Market	91 Rash Behari Avenue, Lake Market, Kalighat P.O., Kolkata, West Bengal, Pin - 700026	SBTR0000500	700009003	033-24643138/ 033-24196474
Kidderpore (KOLKATA)	16 Dr.Sudhir Bose Road, P.B.No:10621, Kidderpore P.O., Kolkata, West Bengal, Pin - 700023	SBTR0000575	700009004	033-24596772 /033-24593379
Salt Lake City - Kolkata	Ha - 1, Sector III, Bidhan Nagar, Salt Lake City, Kolkata, West Bengal, Pin - 700097	SBTR0000682	700009005	03323595348/ 03323595349
Rajarhat, Kolkata	Swagat Chinar Complex, Block - A - Gr. Floor, Rajarhat, Kolkata - 700 157	SBTR0000816	700009007	9874444776

Products Offered by State Bank of Travancore Kolkata

Product	Eligibility	Loan Amount	Interest Rate	Processing Fee	Tenure
Home Loan	(i) Salaried persons, self employed businessmen, professionals and agriculturists, who have regular monthly income and have a minimum of three years of standing / experience in their works are eligible to apply. (ii) The Net Monthly Income(NMI) should be 60 times for age upto 45 years (iii) The Net Monthly Income(NMI) should be 48 times for age above 45 years (iv) Income of spouse can also be considered for NMI	Max. ₹ 500 Lakhs	9.15% - 11.30%	Upto ₹ 25,000: NIL, ₹ 25,001 to ₹ 2.00 lacs: ₹ 500/ Above ₹ 2.00 lacs: 0.50% of the loan amount + S.T., with a maximum of ₹ 10,000/	Upto 30 years
Personal Loan	(i) For Government/ PSU employees: Normal Personal Loan & Elite Personal Loan (ii) For Corporate employees: Corporate Personal Loan (iii) Minimum age limit of the applicant should be 21 years and maximum 3 years before the date of retirement (iv) Minimum Net Monthly Income for Government Employees should be ₹ 20,000/- & ₹ 10,000/- for Corporates.	(i) Normal-For Persons with Net Monthly Income(NMI) upto ₹ 40,000/-12 times of NMI, maximum ₹ 4.00 lakhs. (ii) Elite-For persons with NMI above ₹ 40,000/-15 times of NMI, maximum ₹ 10.00 lakhs (iii) Corporates-15 times NMI, maximum ₹ 10.00 lakhs	11.00% - 14.00%	1.00% of the loan amount sanctioned(Service Tax as applicable rates should be collected separately)	Upto 5 years
Car Loan	(i) Salaried and regular income earners with a minimum 2 years standing /experience in their line of activity. (State/ Central Government, Public Sector undertakings, Corporations, Private sector companies, Insurance Companies and Banks and also pensioners). (ii)Commissioned Officers in defence services with a minimum 2 years of service. (iii) Professionals, Self-employed, Businessmen, proprietary/ partnership firms and others who are income tax assessee with a standing of 2 years can avail of the loan facility. (iv) The borrower should be in the age group of 21 to 65 years.	(i) Loan amount starting from ₹ 8 lakhs and above (ii) Car Loan as Term Loan Normal : Upto ₹ 10.00 lakhs Premium car Loan : ₹ 10.00 lakhs and above	7.20% - 7.90%	(i) 0.30% of loan amount with a minimum of ₹ 1000/- and a maximum ₹ 3,000/- .(Service tax extra) (ii) When loans are rejected: 25% of the Processing Fee will be retained if the application is rejected after pre-sanction survey subject to Minimum of ₹ 250/- plus service tax	Upto 7 years
Business Loan	For MSME Contractor Plus (i) Registered/empanelled contractors of good repute undertaking works on behalf central and state governments/local bodies/railways/PSU's/MNC's and reputed private sector organizations (ii) Sub contractors executing works on behalf of main contractors For SME Easy Loan (i) Existing enterprises/new connections, including takeover For Doctor's Special Individuals, Patnerships, Corporates, Trusts(with power to borrow). Applicants should be Medical/Dental/Homeopathic/Ayurvedic Graduate from recognized institutes	For MSME Contractor Plus (i) Cash Credit: minimum ₹ 5 lakhs and maximum need based (ii) Term loan-need based For SME Easy Loan (i) Minimum : Above ₹ 10 lakhs (ii) Maximum : Need Based For Doctor's Special	For MSME Contractor Plus 11.05%p.a.-14.05% p.a. For SME Easy Loan 10.55% p.a.-10.80% p.a For Doctor's Special 11.30% p.a.-12.05% p.a	N.A.	For MSME Contractor Plus Upto 7 years For SME Easy Loan and Doctor's Special Upto 8 years
Fixed Deposit	Individuals, Hindu Undivided Families (HUFs), Minor represented by parents/guardian,Guardian on behalf of societies, clubs, trusts and associations, associations, clubs, trusts, sole proprietorship firms, partnership firms and limited companies	NIL	2.90% - 6.20%	NIL	7 days to 10 years

Documents Required at State Bank of Travancore Kolkata

Products	Documents
Home Loan	Identity Proof-PAN Card/Passport/Voter ID/Driving License/Aadhaar Card Address Proof-Utility Bill/Passport/Aadhaar Card/Voter ID Income Proof-Latest Salary Slips & Form 16 for Salaried - Profit & Loss A/C Statement & Audited Balance Sheet for the Last 3 Years Bank Account Statement for the Last 6 Months Track record of existing loans, if any Details of property you look to buy & construct
Personal Loan	Identity Proof- PAN Card/Voter ID/Driving License/Aadhar Card/Passport Address Proof- Utility bill/Passport/Aadhar card/Voter ID Income Proof- Latest Salary Slip/ ITR/Form-16 Other Income Proof for Salaried Individual Letter of Authority from Employee authorizing the employer to deduct monthly installment out of salary for remitting to bank and Letter of Undertaking from the employer for check off facility OR Letter of Authority from employee/ applicant authorsing the Bank to deduct the loan instalment out of the salary routed through branch. Other Income Proof for self-employed professionals IT returns for the last two financial years. Proof of professional qualification (Copy of highest professional degree held). Proof of office/commercial address. Bank Statement- Last 3-6 Month Bank Statement
Car Loan	For Self-Employed, Professionals, Proprietory/Partnership Firms and Businessmen Statement of Bank account of the borrower for last 6 months. Proof of Identity: - (any one of the following) - Passport copy/PAN Card/ Voters ID card/ Driving Licence etc. 2 passport size photographs of borrower. Income Proof: - Latest ITR for 2 years. Address Proof: - (any one of the following) - Ration card/Driving licence/Voters ID Card/Passport Copy/Telephone Bill/ Electricity Bill/Life Insurance policy/ PAN Card , Aadhar Card. I.T. Returns/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. PAN CARD to be obtained compulsorily in all cases. Apart from PANCARD, Branches should obtain another valid ID proof like Aadhar card or driving License also.
Fixed Deposit	An Individual, Hindu Undivided Family, Sole Proprietorship Concern ID Proof – Passport, PAN Card, Driving Licence, Voter ID, Government ID Card, Senior Citizen ID Card Address Proof - Telephone Bill, Electricity Bill, ID Card Issued by Post Office, Bank Statement with Cheque A photograph Trusts Copy of the Trust Deed Copy of the registration certificate Copy of the Resolution of the Trustees authorizing the members concerned to open and operate the account Photographs of the members operating the account Associations/Clubs By-laws of the Association Copy of the Resolution by the board authorizing the members concerned to open and operate the account Photographs of the members operating the account Partnership Firm Partnership Deed Letter from partners approving the persons concerned to open and operate the account Photographs of the persons operating the account Public or Private Limited Companies Board Resolution / Authority Letter Memorandum & Articles of Association Certificate of Incorporation Certificate of Commencement of Business (Public Limited Company) Form 32 in case list of directors are not original subscribers to Memorandum & Articles of Association (in case of Private Limited Cos) Duly acknowledged by ROC Governing Act / Rules and Regulations(PSUs) (certified true copy)