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Indian Bank Home Loan Customer Care Number
|Another No. For Customer Complaint
|Credit Card Center
|For Customer Complaint
|Hotlist Atm/Debit Card
|Missed Call- Balance Statement
|Missed Call- Balance Statement
|Other No. For Hotlist Atm/Debit Card
|Other No. For Sms- Block Digital Transactions
|Sms- Block Digital Transaction
Toll Free Number
|National Toll Free No
Indian Bank Home Loan
|Resident individuals having steady source of income and a minimum period of service/experience of 3 years (including previous employment/experience and confirmed in the present employment)Salaried ClassBusinessmenProfessionalSelf-employed personsPensionersIndian Bank Staff & Spouse of the staff
|Entry Age: 18 yearsExit Age: 70 years
|to purchase / construct a new house / flatto purchase house site and construction of house thereonto purchase an existing house / flatto extend an existing house/ additional constructionto repair / renovate an existing house / flat – in such caseto take over Home Loans from other Banks / Housing Finance Institutions approved by National Housing Bank for Housing Finance
|For LoansUp to Rs.30 lakhs: 10%Above Rs.30 lakhs up to Rs.75 lakhs: 20%Above Rs.75 lakhs: 25%In case of Repairs and Renovation: 30%
|Quantum of loan
|As on date of Application, if the Age of the Borrower/ Co-Borrower is less than 45 yearsIn case of salaried class, the loan amount will be restricted to 72 times of monthly Gross salary/income.In case of others, the loan amount will be restricted to 6 times of Gross Annual income as per ITR/Audited financials As on date of Application, if the Age of the Borrower/ Co-Borrower is 45 years and aboveIn case of Salaried class, the loan amount will be restricted to 60 times of monthly Gross salary/income.In case of others, the loan amount will be restricted to 5 times of Gross Annual income as per ITR/Audited financials.In case of Joint Borrower’s, the number of times of loan eligibility shall be calculated based on each Individual Applicant’s Age.
|Net Take Home Pay
|In case Annual income of the Applicants (Individually or jointly) is up to Rs.15.00 lakhs, NTHP (after proposed loan EMI) should not be less than 40 % of the Gross Annual Income.In case Annual income of the Applicants ( Individually or jointly) is more than 15.00 lakhs, NTHP ( after proposed loan EMI) should not be less than 30 % of the Gross Annual Income subject to the minimum Annual Take Home pay of Rs.6.00 lakhs.
|Maximum tenor of 30 years (including Holiday Period) subject to exit age criteria.In case of Repairs & Renovation, maximum 10 years.Holiday Period:Outright purchase of house/flat – NILFor construction of house on the plot already owned by the applicant – Maximum 18 monthsPurchase of Plot and construction of house thereof / flat under construction by promoters / developers – Maximum 24 monthsFlat under construction – in case of bigger projects – Maximum 36 monthsTakeover accounts – NIL
|Equitable Mortgage of Property purchased / constructed out of loan proceeds
|Life 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.
|Takeover of Loans from other Banks
|Permitted only for completed Building and Possession of the Building is taken over by the applicant.Minimum 12 EMI should have been paid from the date of commencement of EMI.All the Securities with the existing Bank/FI should be made available.Takeover from Co-operative Societies is not permittedOther Terms and Conditions apply.
|Completed Application Form with 3 passport size photograph.Assets and liabilities statement in the Bank’s format from applicant(s), Co-applicant(s) and guarantor(s).Proof of Identity such as PAN Card / Aadhar card /Voter’s ID/Passport/Driving License.Proof of residence such as Recent Telephone Bill / Electricity Bill / Property Tax Receipt / Passport /Aadhar card/ Voter`s ID.Proof of business address in respect of businessmen / industrialists.Proof of Employment for salaried class.Salary slips generally for the last 6 months.Statement of Bank account of the applicant(s) for a reasonable period, say 6 months/12 months for verifying salary credit/other income/nature of transaction etcProof of other income like rent, interest on investment, if any.ITR and Balance Sheet for the past three financial years in the case of Professionals, Businessmen and Self-employed.A brief note on the nature of Business/Service, year of establishments, constitution, securities charged in respect of loans availed from our Bank/other Branches /Bank.FI /other sources.Form16/Income Tax / Wealth Tax (if applicable) Returns for the past 3 yearsAgreement of Sale / Sale Deed.Approved Building Plan.Title Deed Documents for 13 years/30 years as the case may be.Proof of title in the Revenue Records.Property Tax receipts wherever applicable (Up-to-date EC, Legal Opinion from Advocate & Valuation of property from Engineer will be arranged by Bank at applicant`s cost).Two independent valuations and Legal Scrutiny Reports are required for Home loans exceeding Rs.1.00 Crore.
Sri. M Balakrishnan
General Manager (CSC)
Indian Bank, Corporate Office,
254-260, Avvai Shanmugham Salai,
Telephone: 044- 2813 4126.
FAX No. 044 -2813 4080
Non Toll Free Number:
044- 2813 4126
Website: Official Website
Indian Bank Home Loan Customer Care Number Video
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