Indian Bank IFSC / MICR Codes / Addresses Across India

Indian Bank IFSC / MICR Codes / Deposit & Loans Interest Rates

0 Indian Bank Branches Available in 0 States.

Indian Bank is one of the big public sector bank in india established on 15 august 1907 founded by V.Krishnaswamy Iyer and its head quarters located at Chennai in the state of tamil nadu. Indian bank has 2500+ branches across india along with 20222 dedicated employees and also has overseas branches in Sri lanka and singapore.

Indian bank offers diversified banking activities such as Merchant banking and housing loans through 2 subsidery companies Ind bank Merchant Banking Services Ltd and Ind Bank Housing Ltd. Indian Bank was one among the 14 Banks nationalized on July 19, 1969 and in 2007 the bank became a public listed bank.

100% Indian Bank branches enabled with Core banking solution (CBS) for secured and faster online transactions and providing various innovative services such as mobile banking, internet banking. In the Financial year of 2014-15 Indian bank gains net profit of ₹1,005.18 crores and gets the prestigious ISO 27001:2013 Certificate from the British Standard’s Institution.

Here we have published Indian Bank’s IFSC / MICR /Branch codes, Phone banking toll free number, deposit & loans interest rates, customer care phone number, branch address, email id, bank timings (working hours) and more.

Corporate Office

Indian Bank
PB No: 5555, 254-260, Avvai Shanmugam Salai,
Royapettah, Chennai – 600 014
Phone Number : 044 – 28134300
Email : indmail@indianbank.co.in

24/7 Customer Support Phone Numbers

Phone Banking Toll Free Number : 1800 425 00 000 / 1800 425 3425
ATM / Debit Cards Toll Free Number : 1800 425 4422
ATM / Debit Cards Hot Listing : 044-25260335 / 044-25251185 / o44-25222841 / 044-25210338
ATM / Debit Cards Hot Listing email : atmhotlist@indianbank.co.in / hoatmmonitoring@indianbank.co.in

Indian Bank Timings (Working Hours)

Monday – Saturday : 10.00 AM – 3.30 PM
2nd & 4th Saturday is holiday
Sunday : Holiday

Official Website : http://www.indian-bank.com
Internet Banking : https://www.indianbank.net.in

  Base Interest Rate9.95%
  Home Loan InterestBase Rate i.e 9.95%
Above rate applicable Up to ₹75 lakhs (floating)
For more than ₹75 Lakhs rate of interest will be Base rate + 0.25% (floating)
For fixed interest rate up to ₹75 Lakhs = Base rate + 1.00%
For above ₹75 Lakhs fixed interest rate will be Base rate + 1.25%
Floating interest rates applicable for residents and NRIs
Fixed interest rate applicable for residents only, not for NRI
  Personal Loan InterestBase Rate + 2.25%
Base Rate + 2.25% + NIL = IB Rentencash Repayment up to 12 months
Base Rate + 2.25% + 0.25% = IB Rentencash Repayment above 12 months up to 36 months
Base Rate + 2.25% + 0.50% = IB Rentencash Repayment above 36 months up to 60 months
Base Rate + 2.25% + 0.50% = IB Rentencash Repayment above 36 months above 60 months
Base Rate + 1.30% + 0.50% = For Loan against NSC, KVP, LIC Policy, RBI Relief Bonds
Base Rate + 3.00% = For pensioners with repayment period of 12 months
Base Rate + 3.50% + 0.25% = Repayment period of 12 - 36 months (For pensioners)
  Two Wheeler Loans Interest13.25% (Fixed)
Floating interest rate for new two wheeler will be Base Rate + 2.75%
Maximum loan ceiling amount will be 10 Lakhs
Maximum 60 EMIs with no holiday period allowed
Borrower need to pay 15% of margin amount from the vehicle cost
  Car Loans Interest10.95% Fixed
Floating interest rate for new car loans will be Base Rate + 0.50%
Floating interest rate for used cars will be Base Rate + 3.25%
Repayment period is above 3 years, then rate of interest is 11.20% (Fixed)
Maximum loan ceiling amount will be 100 Lakhs
Maximum 84 EMIs with no holiday period allowed
Need to pay 15% of margin amount from the vehicle cost
For used car 40% margin amount and vehicle not more than 3 years old
For Nano car rate of interest is 11.50% (Fixed)
  Commercial Vehicles InterestBase Rate + 2.75% + 0.50%
Above rate applicable for educational institutes to purchase van / bus
  Education Loans Interest12.25%
The rate interest applicable for irrespective of loan amount
To study in india maximum of ₹15 Lakhs will be allowed
To study abroad ₹25 Lakhs will be allowed
Diploma, graduation, post-graduation courses allowed in india
To study abroad, Job oriented professional / technical courses
Concession of 0.50% allowed for girl students
  Consumer Durables InterestBase Rate + 1.25% + 0.50%
30 times of net monthly Income subject to a maximum of ₹5 lakhs
48 months EMI allowed for TV, Computer & other electronic items
60 months EMI allowed for other items such as home furniture / modular kitchen
15% of margin need to pay from the cost of the consumer durable
Existing home loan borrowers are eligible to apply for it
  Property Loan InterestBase Rate + 1.25% + 0.75%
Maximum of 50% of value of property offered as security
Repayment period not Exceeding 84 EMIs (No Holiday Period)
Employees of Govt / corporate salaried with 3 years of service
Have regular minimum monthly income of ₹15,000 & take home
Self employed / Professionals / Businessmen based on last 3 year income
Age group between 18 years - 60 years may apply for the same
  Agricultural Loans InterestBase Rate + 1.55%
Base Rate + 1.55% = Up to ₹50000/-
Base Rate + 1.80% = From ₹50000 to ₹2 Lakhs
Base Rate + 2.30% = From ₹2 Lakhs - ₹5 Lakhs
Base Rate + 3.30% = ₹5 Lakhs and above
Above interest rate applicable for repayment period of 12 months
  Internet BankingYes
  Credit CardYes
  ATM / Debit CardYes
  Cheque BooksYes
  Locker FacilityYes
  Core Banking Solution (CBS)Yes
  Mobile BankingYes
Deposit PeriodLess than ₹1 Crore₹1 Crore - ₹5 Crores
7 Days - 14 Days5.50%5.50%
15 Days - 29 Days5.50%5.50%
30 Days - 45 Days5.50%5.50%
46 Days - 90 Days6.50%6.50%
91 Days - 120 Days7.00%7.00%
121 Days - 180 Days7.25%7.25%
181 Days - < 9 Months7.25%7.25%
9 Months - < 1 Year7.50%7.50%
1 Year - < 2 Years7.75%7.50%
2 Years - < 3 Years7.75%7.50%
3 Years and more7.75%7.50%
Applicable for single deposit of Rs.1 lakh and above
Deposit of above Rs 5 crore, contact nearest branch
Above interest rates are applicable to NRE term deposits also
No penalty on premature withdrawal of domestic term deposit


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