Syndicate Bank IFSC / MICR Codes / Addresses Across India

Syndicate Bank IFSC / MICR Codes / Deposit Interest Rate

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Syndicate Bank is established on year 1925 in udupi, karnataka and founded by TMA Pai, Upendra Pai, Vaman Kudva with the name of Canara Industrial and Banking Syndicate Limited, renamed as Syndicate Bank in year 1964 at the time of merger and the head office of the bank was shifted to manipal due to various administrative reasons.

Syndicate Bank has solid customer base and all of its branches equipped with modern technologies such as core banking solution (CBS), mobile banking, internet banking and now its one of the major commercial bank in india. Gained various rewards including ‘Banking Excellence Award 2013‘ for the second best public bank in overall performance by state forum of bankers in year 2013.

Now syndicate bank has 3700+ branches across india and providing various banking products such as home loans, personal loans, SME laons, agriculture loans and education loans and achieved the turn over of 30,649,630 lakhs at the end of june 2015. Here we have published verified Syndicate bank IFSC / MICR / Branch codes along with deposit & loan interest rates, full address, toll free customer care phone number, email address, bank timings (working hours) and lot more.

Head Office
Syndicate Bank,
Door No. 16/355, 16/365A
Manipal – 576 104
Udupi District – Karnataka.
Phones : 0820-2571181 to 2571196 (EPABX 16 lines)

24 Hour Customer Care Help Line Toll Free Numbers

Credit Card Hot Listing – 1800 225 092 / 022 – 4042 6003 (24 / 7 support)
Debit Card Hot Listing – 1800 425 0585 / 094835-22433 (24 / 7 support)
Credit & Debit Cards Help and Support – Phone : 080 – 26639966 to 68 / Fax : 080 – 26639970
Cards Support Email : cardcentre@syndicatebank.co.in / dcc@syndicatebank.co.in
Internet Banking : 1800 425 5784 (Toll Free) / 080-2570 5784
Internet Banking Support Email : syndinet@syndicatebank.co.in
Phone Banking Helpline Number : 1800 425 6655
Phone Banking Email : syndcare@syndicatebank.co.in

Bank Timings (Working Hours)

Monday – Saturday : 10.00 A.M. to 5.00 P.M. (2nd and 4th saturday holiday)
Sunday : Holiday

Official Website : http://www.syndicatebank.in
Internet Banking : https://www.syndonline.in/B001/ENULogin.jsp

  Base Interest Rate10.00%
  Home Loan InterestBase Rate (i.e) 10.00%
72 months gross salary for salaried class or 6 times of 3 years average income for self employed
80% - 90% of project cost for new constructions / purchase of ready built house / flats
Also applicable for carrying out repairs / renovations to the existing house / flat
70% of project cost for old house which aged more than 5 years old
Maximum repayment tenure is not more than 30 years or 75 years of age
  Personal Loan InterestBase Rate + 4.75%
Permanent employees of Govt / Public / Corporate employees may apply
Self employed people maximum eligibility is 50% of gross annual income
Salaried people maximum eligibility is not exceeding 12 months of gross salary
Maximum of 60 months of repayment period allowed
For women borrowers, the rate of interest will be base rate + 4.50%
  Two Wheeler Loans InterestBase Rate + 2.00%
Individuals / salaried having minimum annual income of ₹50,000 per annum
Maximum loan amount will be 6 months of gross salary (or) 95% of on road price
Second hand two wheelers are not eligible for financing
  Car Loans InterestBase Rate + 0.65%
Individuals / salaried having minimum annual income of ₹2,00,000 per annum
95% of on road price of the new car or 3 times gross annual income whichever is less
For pre-owned cars, maximum of 10 lakhs is eligible depends on the age of the vehicle
For new cars, 84 months of maximum EMIs are allowed
For pre-owned cars, maximum up to 60 EMIs are allowed
  Commercial Vehicles InterestBase Rate + 0.50%
Above rate of interest applicable for loan amount up to ₹50,000
For above ₹50,000 - up to ₹10 lakhs interest is Base Rate + 1.00%
For above ₹10 lakhs, the rate of interest will be Base Rate + 1.25%
Loans provided for utility vehicles, light commercial & heavy commercial vehicles
Maximum repayment period of 7 years including repayment holiday
Maximum loan amount provided up to ₹100 lakhs
  Education Loans InterestBase Rate + 2.25%
Above interest rate applicable for up to ₹4 lakhs
Above ₹4 lakhs, the rate of interest will be base rate + 2.75%
For studying in india, maximum of ₹10 lakhs will be allowed
For studying abroad, maximum of ₹20 lakhs loan allowed
Repayment holiday is course period + 1 year or 6 months after getting job
0.75% interest concession for girl students of SC / ST category
1% interest concession available to children of government employees
  Gold Loans InterestBase Rate + 1.50%
All purposes under non priority and business purposes
Up to ₹10 lakhs for non priority & up to ₹20 lakhs for business purpose
Repayment holiday allowed up to 11 months of period
Full loan amount with interest shall be repayable within 12 months
Presently ₹1580/- per gram of 22 carat gold OR 66% of net value of gold
  Consumer Durables InterestBase Rate + 4.75%
Salaried & non- salaried class may apply for this loan
Maximum ₹2 lakhs loan amount will be allowed
Maximum of 60 months repayment period (EMIs) will be allowed
Salary is to be credited with the syndicate bank or irrevocable letter from the employer
For salaried class, 80% of invoice value or 10 months gross salary which ever is less
For non salaried class, 80% of the invoice value or 50% of the gross annual income
  Property Loan InterestBase Rate + 2.75%
Salaried class and non salaried class may apply for this loan
For salaried, eligible for 10 times of the net annual income
For non salaried eligible for 10 times the gross annual income
EMIs not exceeding 120 months for salaried class
For consumption purpose maximum of ₹100 lakhs is allowed
For business purpose maximum of ₹500 lakhs is allowed
  Agricultural Loans Interest7.00%
Above rate of interest applicable up to ₹3 Lakhs
Short term credit requirements for cultivation of crops
Repayment period up to 12 months for short duration crops
Repayment period up to 18 months for long duration crops
  Internet BankingYes
  Credit CardYes
  ATM / Debit CardYes
  Cheque BooksYes
  Locker FacilityYes
  Core Banking Solution (CBS)Yes
  Mobile BankingYes

Syndicate Bank Fixed Deposit Interest Rate

Deposit PeriodLess than 1 Crore1 Crore - < 10 Crores10 Crores & above
7 to 14 days6.00%6.00%6.00%
15 to 30 days6.50%6.50%6.50%
31 to 45 days6.50%6.50%6.50%
46 to 60 days6.50%6.50%6.50%
61 to 90 days6.40%6.40%6.40%
91 to 120 days7.00%6.60%6.60%
121 to 179 days7.00%7.00%7.00%
180 to 269 days7.50%7.50%7.50%
270 to 363 days7.75%7.75%7.75%
364 days7.75%7.75%7.75%
1 year exact8.00%7.75%7.75%
1 year - 2 years8.00%7.75%7.75%
2 year - < 5 years8.00%7.75%7.75%
Exact 5 years8.00%7.75%7.75%
5 years - 10 years7.00%7.00%7.00%
NRE Interest Rate
1 year exact8.00%7.75%7.75%
1 year - 2 years8.00%7.75%7.75%
2 year - < 5 years8.00%7.75%7.75%
Exact 5 years8.00%7.75%7.75%
5 year - 10 years7.00%7.00%7.00%
Employees / eligible ex-employees are eligible for an additional interest of 1%
0.50% extra interest for senior citizens (< 5 Crore deposits & maturity tenor of 1 year & more)


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