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:: INDIAN BANK :: Taking Banking Technology to the Common Man ::::: INDIAN BANK :::::::: Taking Banking Technology to The Common Man ::::::::::

Applications invited for empanelment of Forensic Auditors

IB-333 Domestic Term Deposit Launched

Recruitment of Retired AGM(Scale-V) with Legal/Law special. on CONTRACT basis

Compliance with KYC Guidelines - Public Notice

Indian Bank has been declared as Runner-up in the NFS ATM Operational Excellence Award 2012 under Public Sector Bank category

OTP for Credit Card Online Transactions

`IND UTSAV`-111 days deposit product at 8.50% pa with effect from 12-12-2012

Seeding of Aadhaar number in customers CBS accounts

Anonymous calls for enticing Indian Bank Credit Card holders with offer of prizes/gifts

Charges applicable for Credit Card payments made in the form of Cash or Cheque

Prepaid Cards Launched

Non-CTS-2010 standard cheques are to be withdrawn completely by 31.03.2013

e-TDA Launched

Alert to Customers on Card Skimming in ATMs

home > Loans > Home Loan 2012

Home Loan 2012

Eligibility	Minimum entry age is 18 years and maximum exit age is 60 years
Amount of Loan	* 36 times of Gross Monthly Income or 60 times of Net Monthly Income whichever is higher. * Spouse Income can be included for calculating eligible amount if he / she has steady income. * 60% of future rental income, if any from the house property to be purchased /constructed shall also be included (quantum of rent receivable to be certified by our panel engineer). (Take home Income should be more than 40% of gross monthly income after deduction of EMI for the proposed loan, apart from other deductions.)
Margin	* For Loans upto Rs. 20 lakhs : 10% * For Loans above Rs. 20 lakhs : 20%
Processing fee	Processing charges and administrative charges are waived upto 31.03.2013
Interest Rates	Please refer the Lending Rates link on home page in our Bank’s Website Variable rate/Fixed rate options are available • Fixed rates are subject to reset once in 5 years • After the account has run for 3 years, from the date of sanction, one time option can be exercised for converting fixed rate into variable rate. For the said Switch over, a one time fee of 1% on the outstanding balance in the loan account will be charged as service charges. • If conversion of fixed rate to variable rate is sought after 5 years, from the date of sanction, the one time fee of 1% shall not be applicable. • Conversion from floating to fixed rate is not permitted.
Repayment	* Loans for purchase / construction of House / Flat: 20 years (including holiday period) * Maximum Holiday Period of 18 months allowed for Home Loans for the purpose of construction of House / Flat
Prepayment charges	NIL
Security	* Equitable Mortgage of Property purchased / constructed out of loan proceeds *{Equitable Mortgage to be registered (at Applicant’s cost) if there is a provision for the same in the State where property is located }
Documents to be submitted for processing the application	1. Completed Application Form with 3 passport size photograph. 2. Assets and liabilities statement in the Bank’s format from applicant(s), Co-applicant(s) and guarantor(s) 3. Proof of Identity such as PAN Card / Voter’s ID/Passport/Driving License. 4. Proof of residence such as Recent Telephone Bill / Electricity Bill / Property Tax Receipt / Passport / Voter’s ID 5. Proof of business address in respect of businessmen / industrialists. Proof of Employment. 6. Salary Certificate generally for the last 6 months. 7. Statement of Bank account of the applicant(s) for a reasonable period, say 6 months for verifying salary credit/other income/nature of transaction etc 8. Proof of other income like rent, interest on investment, if any. 9. Balance Sheet for the past three financial years in the case of Professionals, Businessmen & Self employed. 10. A brief note on the nature of business/service, year of establishment, constitution, securities charged in respect of other loans availed from our Bank/other Branches/Banks/Finance companies / Other sources. 11. Form16/Income Tax / Wealth Tax (if applicable) Returns for the past 3 years 12. Agreement of Sale / Sale Deed. 13. Approved Building Plan. 14. Title Deed Documents for 13 years/30 years as the case may be. 15. Proof of title in the Revenue Records. 16. Property Tax receipts wherever applicable (Up-to-date EC, Legal Opinion from Advocate and Valuation of property from Engineer will be arranged by Bank at applicant’s cost)
Value added	Group Insurance cover: * At the option of the applicant, Group Insurance Life Cover is arranged at concessional premium (to be borne by the Applicant). * The Premium amount will be financed as a separate loan instead of financing as a part of the loan.
Salient Features	Home Loans can be considered a) to purchase / construct a new house / flat b) to purchase house site and construction of house thereon c) to purchase an existing house / flat d) to extend an existing house/ additional construction e) to repair / renovate an existing house / flat f) to take over Home Loans from other Banks / Housing Finance Institutions approved by National Housing Bank for Housing Finance/ Co-operative Societies. g) For reimbursement of cost incurred for purchase/construction of house/flat
Insurance	Property (offered as security) to be insured at borrower`s cost with Bank clause against fire, flood, earthquake, riot and other risks, which are normally covered by insurance companies.

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♦ Chief Grievance Redressal Officer (CGRO)

Official to contact for

Grievance Redressal

Landline No.

Email ID

Chief Grievance Redressal Officer(CGRO)

Shri. S.Dasgupta

General Manager-Operation

Central Bank Of India

Central Office

2^nd Floor, M.M.O. Building,

M.G.Road ,Fort

Mumbai-400023

022-22643053

gmoper@centralbank.co.in

Click here to download the list of contact details of CCSO and all Banking Ombudsman.

Click here to download the list of contact details of Nodal Officers to Customer Service and Grievance Redressal at Regional Office.

An approved BC/DR policy is in place . In case any branch is unable to function due to any calamity or disaster , its customers can continue their transactions through any other branch.

♦ Call Center Toll Free No. ( 24 Hours )

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1800 200 1911

Customer related Services

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» Click Here To Download addresses of MSME Care Centers for quick redressal of grievances of MSME Entrepreneurs.

♦ ATM Help Desk

ATM Department

49197319-24 for card related complaints

49197314 for failed transactions
Fax- 022-22630104

email- debitcard@centralbank.co.in

ATM Card Related Enquiries

» ATM Help Desk: 1800-22-1622 (Toll Free)

» Click Here to download Template/ Form for lodging complaints related to ATM transaction.

♦ Internet Banking

Internet Banking	022-67153529	Internet Banking Enquiry, NEFT/RTGS Enquiries, SMS Banking
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