Oriental Bank of Commerce IFSC / MICR Codes / Addresses

Oriental Bank of Commerce IFSC Codes / Deposit Interest Rates

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Oriental Bank of Commerce is india based public sector bank founded and established in year 1943 based on lahore before the British dissolvation. After the independence of india (1947), closed down the branches in pakistan and switched its registered office to amritsar, punjab. On 15 April 1980, oriental bank of commerce was nationalized and acquired two banks (Bari Doab Bank and Punjab Cooperative Bank) in 1997.

Currently Oriental Bank of Commerce has 2300+ branches across the country and offering various services including demat services, NRI services, online tax payments and many more. Here we have published verified Oriental Bank of Commerce IFSC / MICR / Branch codes, deposit & loan interest rates, bank timings (working hours), phone banking customer care phone number, branch address, email id and still more.

Corporate Office

Oriental Bank of Commerce
Plot No. 5, Institutional Area ,
Sector – 32, Gurgaon – 122001.

Phone Banking Number (24/7 support)

Toll Free Customer Care Number : 1800-180-1235 / 0124 – 2340940 (Other)
Internet Banking Help Desk Number : 040 – 66319345, 27894150

Oriental Bank of Commerce Timings (Working Hours)

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

Official Website : https://www.obcindia.co.in
Internet Banking : http://www.obconline.co.in

  Base Interest Rate9.90%
  Home Loan InterestBase Rate (i.e) 9.90%
Upto 2 houses, irrespective of loan limit above rate of interest applicable
For purchase of plot / flat/ house in government sponsored schemes
For 3rd house onwards the rate of interest will be Base Rate + 0.50%
Up to 360 months of maximum EMI's allowed
  Personal Loan InterestBase Rate + 2.25%
Above rate applicable for central / state & PSU Employees (working & pensioners)
For corporate employees the rate of interest will be Base Rate + 3.25%
For home loan male borrowers rate of interest will be Base Rate + 1.50%
For home loan female borrowers rate of interest will be Base Rate + 1.00%
  Two Wheeler Loans InterestBase Rate + 0.50%
Maximum loan amount up to ₹10 Lakhs
Income criteria should meet ₹10000/- per month (Gross)
Used two wheeler rate of interest is Base Rate + 3.00% (Max 60 months repayment)
Salaried Individuals with confirmed / minimum 1 year of service
Maximum loan amount allowed up to ₹10 Lakhs
  Car Loans InterestBase Rate + 0.50%
Above rate of interest applicable for repayment period up to 36 months
Up to 84 months, the rate of interest will be Base Rate + 0.75%
Used cars rate of interest is Base Rate + 3.00% (Max 60 months repayment)
Salaried Individuals with confirmed / minimum 1 year of service
Maximum loan amount allowed up to ₹100 Lakhs
For used cars maximum loan amount allowed up to ₹25 Lakhs
Income criteria should meet ₹20000/- per month (Gross)
  Commercial Vehicles InterestBase Rate + 2.00%
Base Rate + 2.00% = For financing auto taxi Up to ₹2 Lakhs
Base Rate + 2.00% = Between ₹2 Lakhs to ₹25 Lakhs
Base Rate + 2.50% = Between ₹25 Lakhs to ₹50 Lakhs
  Education Loans InterestBase Rate + 2.50%
Base Rate + 2.50% = Up to ₹4 Lakhs
Base Rate + 1.75% = ₹7.5 Lakhs and above
Base Rate + 1.75% = ₹4 Lakhs to ₹7.5 Lakhs (against immovable property)
Base Rate + 3.00% = ₹4 Lakhs to ₹7.5 Lakhs (against third party guarantee)
Base Rate + 2.50% = Scheme for vocational education & training
Base Rate ie 9.90% = For category A institutions
Base Rate + 0.50% = For category B institutions
0.50% concession for girl / SC / ST and disabled students
  Gold Loans InterestBase Rate + 1.50%
For agriculturists rate of interest is Base Rate + 1.00% for up to ₹50000
  Property Loan Interest12.65% (Flat)
50% of the realizable value of the property
36 months of gross income in case of salaried persons
The limit shall be maximum up to ₹5 Crores
Maximum up to 84 months repayable on EMI basis
Over draft facility will be renewed on yearly basis
  Agricultural Loans InterestBase Rate + 2.25%
Base Rate + 2.25% = Up to ₹2 Lakhs
Base Rate + 3.00% = ₹2 Lakhs to ₹5 Lakhs
Base Rate + 3.50% = Above ₹5 Lakhs
  Internet BankingYes
  Credit CardYes
  ATM / Debit CardYes
  Cheque BooksYes
  Locker FacilityYes
  Core Banking Solution (CBS)Yes
  Mobile BankingYes
Deposit PeriodLess than ₹1 Cr₹1 Cr - ₹10 CrsAbove ₹10 Crs
7 Days - 14 Days4.00%4.00%4.00%
15 Days - 30 Days4.50%4.50%4.50%
31 Days - 45 Days6.00%5.75%5.75%
46 Days - 90 Days6.50%6.25%6.25%
91 Days - 179 Days7.00%7.00%6.75%
180 Days - 269 Days7.50%7.00%6.75%
270 Days - < 1 Year7.50%7.00%6.75%
1 Year - < 2 Years8.00%7.50%7.00%
2 Years - < 3 Years7.75%7.25%7.00%
3 Years - < 5 Years7.75%7.25%7.00%
5 Years - 10 years7.75%7.25%7.00%
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Oriental Bank of Commerce
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