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Home Loan Offers in Bangalore

Our Home Loan Partners in Bangalore

Home Loan Can Be Used For Many Purposes Like Below

For Construction of a New House

For Purchase of Dream Home

For Interiors of Home

Purchase of Open Land

To Buy an Apartment

Home Renovation

To Purchase a New Villa

Construction of Commercial Building

Home Loan Features

  • Age Limits – 21-55 Years
  • Flexible Loan Tenure upto 30 Years
  • Min Loan Starts From 5,00,000
  • Max Loan Upto 5,00,00,000
  • Compare And Analyze The Best Loan suitable For Your Needs
  • Expert Advice On Loan Documentation
  • Nil Charges For Pre-Closure Of Loan Amount*
  • Repayment Through ECS/Auto-Debits/PDC
  • Various EMI Calculators and Amortization Tables to Understand Your Loan Repayment Amount.
  • We Support Until The Loan Closure.

Documentation For Home Loan

  • Filled Application form
  • Identity Proof (PAN CARD)
  • Address Proof
  • Latest 3 months Payslips
  • Job Continuity Proof
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Filled Application form
  • Identity Proof
  • Address Proof
  • Last 2 years Income Tax Returns
  • Professional/Self employed existence proof for more than 3 years
  • 2 Passport Size colour Photographs
  • Co-Applicant identity proof, Address Proof
  • Co-Applicant relationship Proof and Photograph
  • 6 months Bank Statements
  • 3 Post Dated Cheques/ECS Mandate
  • Property Related documents
  • Passport
  • Driving License
  • PAN card
  • Photo credit card (with embossed Signature and last two months statement)
  • Banker's sign verification
  • PAN Card
  • Passport
  • License
  • School leaving certificate
  • Voter card
  • Birth Certificate
  • LIC policy (only for age Proof)
  • Passport
  • Telephone bill (BSNL/MTNL)
  • Electricity bill
  • Title deed of property
  • Rental agreement
  • Driving license
  • Election ID card
  • Photo-credit card (with last two month statements)
  • Latest salary slip
  • Current dated salary Certificate with latest form 16.
  • Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
  • Form 16
  • Relieving letter
  • Appointment Letter (for last two months)
  • Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
  • Bank statements of latest 2 months
  • 3 months bank passbook
  • Min of 15 years of Link documents of Property
  • Min 15 Years of Encumbrance Certificate (EC) of the property obtained from Govt. Authorities
  • Property Sanction plan
  • BRS/LRS copies (if required, any)

Home Loan FAQ's

You can start the process of applying for a Home Loan in any of the following ways: Online by clicking here. In person at any AXIS Bank Loan Center. To find the one closest to you, By calling Axis Bank Call Center at any of these toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577.You can start the process of applying for a Home Loan in any of the following ways:

Among the multiple factors that AXIS Bank considers in determining Home Loan eligibility are: Income of all applicants. Age of the primary applicant. Number of dependents that the applicants have to support. Assets and liabilities of the applicants. Stability and continuity of the primary applicant's occupation. To check your eligibility online, please click hereAmong the multiple factors that AXIS Bank considers in determining Home Loan eligibility are:

Yes! You can avail of an AXIS Bank Home Loan from for any of the following: Purchase of a home. Construction of a home. Home repairs. Home improvements. Home extensionYes! You can avail of an AXIS Bank Home Loan from for any of the following:

Yes! AXIS Bank offers both Fixed and Floating rates as explained below: Fixed Home Loan rates: The rate of interest applicable for the Home Laon is fixed throughout the term of repayment of Loan. Floating Home Loan rates: The rate of interest applicable for the Home Loan changes with change in the Bank's Base rate.Yes! AXIS Bank offers both Fixed and Floating rates as explained below:

Yes, it is mandatory to have a co-applicant. If someone is the co-owner of the property in question, it is necessary that he/she also be the co-applicant for the Home Loan. If you are the sole owner of the property, any member of your immediate family can be your co-applicant.

For the List of Documents to be submitted along with your Home Loan application, please click here.

Before we process a foreclosure, all outstanding dues must be cleared. So we request you to first check for and clear any remaining amount that may be payable towards your Home Loan by requesting a foreclosure statement from your nearest AXIS Bank Loan Center. Once all outstanding dues have been cleared, please submit a foreclosure request at the Loan Center, and we will begin processing your request.Before we process a foreclosure, all outstanding dues must be cleared. So we request you to first check for and clear any remaining amount that may be payable towards your Home Loan by requesting a foreclosure statement from your nearest AXIS Bank Loan Center.

You may get the List of Documents in either of the following ways: By calling Axis Bank Call Center at any of these toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577. By using your registered email id to write to Axis Bank at: loans@axisbank.comYou may get the List of Documents in either of the following ways:

If your new mailing address is the same for which the loan has been taken, you may change the address in either of the following ways: By calling Axis Bank Call Center at any of these toll free numbers: 1800 233 5577 or 1800 209 5577 or 1800 103 5577. By using your registered email i d to write to Axis Bank at: loans@axisbank.com If your new mailing address is not the one for which the loan has been taken, you will need to visit us in person at your nearest AXIS Bank Loan Center along with an original and self-attested copy of your new address proof and photo identity.

Yes! AXIS Bank offers both Fixed and Floating rates as explained below: Fixed Home Loan rates: The rate of interest applicable for the Home Laon is fixed throughout the term of repayment of Loan. Floating Home Loan rates: The rate of interest applicable for the Home Loan changes with change in the Bank's Base rate.Yes! AXIS Bank offers both Fixed and Floating rates as explained below:

Yes, it is mandatory to have a co-applicant. If someone is the co-owner of the property in question, it is necessary that he/she also be the co-applicant for the Home Loan. If you are the sole owner of the property, any member of your immediate family can be your co-applicant.

For the List of Documents to be submitted along with your Home Loan application, please click here.

Once receive a completed application form along with the necessary supporting documents two things happen: Determination of your eligibility for the Home Loan: For this we consider our internal policy guidelines and also examine all the documents submitted by you. If you are deemed eligible, you will get an approval for a specific loan amount based on your requirement, repayment capability and the value of the property. Axis Bank will convey its decision within 30 working days from the date of receipt of the application provided the application is complete in all respects. The computation of 30 days shall starts from the day on which all documents required for a proper appraisal of the application are provided by the Customer to bank. If we find Axis Bank unable to extend the loan to you, Bank will communicate the same to you promptly. Legal and Technical verification: Lawyers and property valuers empanelled by the Bank will verify your title documents conduct a technical evaluation of the property. Once both these are complete, the Bank will process the disbursement of your Home Loan.Once receive a completed application form along with the necessary supporting documents two things happen: Determination of your eligibility for the Home Loan: For this we consider our internal policy guidelines and also examine all the documents submitted by you. If you are deemed eligible, you will get an approval for a specific loan amount based on your requirement, repayment capability and the value of the property.

Banks charge a non-refundable processing fee for every Home Loan application. The processing charge to avail of an AXIS Bank Home Loan is up to 1% of the loan amount plus service tax as applicable.

The EMI consists of the principal amount and the interest on the principal amount. It is calculated by taking into account the loan amount, the time frame for repaying the loan and the interest rate on the borrowed sum. The EMI may be subject to change when interest rate changes or a part-payment of the Loan is made. Every month, part of the EMI is adjusted towards the interest payable and the balance is adjusted towards repayment of the principal. The EMI consists of the principal amount and the interest on the principal amount. It is calculated by taking into account the loan amount, the time frame for repaying the loan and the interest rate on the borrowed sum. The EMI may be subject to change when interest rate changes or a part-payment of the Loan is made.

The EMI will be due on a fixed date each month. This date will be notified when your loan is disbursed.

Pre-EMI interest is the interest on the loan amount disbursed by the Bank. It is payable every month from the date of each disbursement until the commencement of the EMI payments.

AXIS Bank reassesses the BR and MRR from time to time after considering numerous factors including the cost of funds, cost of operations, prevailing interest rates, and provisioning requirements. The Home Loan floating rate will change when either of one of the two rates below changes: AXIS Bank's Base Rate (BR) for loans sanctioned from 1st July, 2010 AXIS Bank's Mortgage Reference Rate (MRR) for loans sanctioned before 1st July, 2010

In order to avoid burdening you with a higher EMI, AXIS Bank will first attempt to increase the tenure of the loan subject to permissible limits. If, however, despite the increase in tenure, the EMI is not adequate to cover the interest payment, then AXIS Bank will increase your EMI amount. Of course, we will promptly inform you of any change in your tenure or your EMI.In order to avoid burdening you with a higher EMI, AXIS Bank will first attempt to increase the tenure of the loan subject to permissible limits. If, however, despite the increase in tenure, the EMI is not adequate to cover the interest payment, then AXIS Bank will increase your EMI amount.

Yes! You can switch from a floating rate of interest to a fixed rate of interest and vice versa.

Each Home Loan applicant's EMI is decided upon his/her repayment capability. In order to reassess your EMI, you will need to submit the following documents at an AXIS Bank Loan Center: Last 3 months' salary slip. Last 6 months' bank statements reflecting your salary. Your photo identity and address proof. A letter requesting the change Currently, AXIS Bank levies no charge to increase the EMI.Each Home Loan applicant's EMI is decided upon his/her repayment capability. In order to reassess your EMI, you will need to submit the following documents at an AXIS Bank Loan Center: Last 3 months' salary slip. Last 6 months' bank statements reflecting your salary. Your photo identity and address proof. A letter requesting the change Currently, AXIS Bank levies no charge to increase the EMI.

Each Home Loan applicant's EMI is decided upon his/her repayment capability. In order to reassess your EMI, you will need to submit the following documents at an AXIS Bank Loan Center: Last 3 months' salary slip. Last 6 months' bank statements reflecting your salary. Your photo identity and address proof. A letter requesting the change Currently, AXIS Bank levies no charge to increase the EMI.Each Home Loan applicant's EMI is decided upon his/her repayment capability. In order to reassess your EMI, you will need to submit the following documents at an AXIS Bank Loan Center: Last 3 months' salary slip. Last 6 months' bank statements reflecting your salary. Your photo identity and address proof. A letter requesting the change Currently, AXIS Bank levies no charge to increase the EMI.

Why Home Loans?

Most of the families prefer to have their own house whether big or small. There is a significant difference staying in a self owned house than in a rented shelter. House is the most costly asset owned by middle and upper middle class families and it has emotional value. Affording own house with actual money is not always possible. Even though a person has stable income, years of savings are required to own a house in this current market. A Home loan answers the problems of those people who are willing to have their own home but do not have sufficient money to do that. You can now own your dream home by availing Home loan.

Home loan is normally for purchase of a new House/ Flat/Plot or renovation/ renewing of existing residential or commercial properties. Home loans are provided by Banks and registered finance companies. In Indian market there are several Banks/ HFCs providing Home loans at competitive interest rates. Home loan is always secured against the property that you buy. In case you are unable to repay the loan amount the lending bank will have right to take possession of the home.

In case of a Home loan entire lump sum amount will be sanctioned and disbursed initially based on the credit worthiness. You can plan your housing loan repayment tenure varying from 10-30 years and is repayable in form of EMIs. The rate of interest applicable is linked with Bank's base rate. You have a option to chose floating interest rate or fixed interest rate for the loan amount. For those who want the EMI amount to be fixed and are intending to plan their payments accordingly can opt for fixed interest rate. Those who are ready to take minimal risk and intend to avail the advantage in the long run can avail floating rate of interest. Floating rate of interest is more beneficial in the long run.

Expert Advice

Best Practices for Home Loan

Buyer has to ensure sufficient due diligence before finalizing the property. Certain aspects like builder credibility, availability of required approvals, and legal clearance of property to be checked before buying a property. Though it costs little extra it is advisable to get the assistance of experts for buying a property. This will help in avoiding costly mistakes.
Calculate and plan the total expenditure involved in purchasing a property. Apart from the cost of the property there are other related expenses like stamp duty, loan application charges, processing fee, valuation fee, legal fee etc which need to be meet from own funds of the buyer. Property buyer to invest around 20-25% of the total cost apart from loan. It is to be ensured that sufficient cash reserves are available to meet these expenses.
Based on your earning and repaying capacity decide the home loan amount to be taken. The various factors to be taken into consideration include your income, fixed obligations, remaining work experience, future growth prospects, future expenses like children education, marriage etc, other source of income, job related risks etc. This thorough analysis will help in taking right decision. This will help in not making a mistake of taking small loan when your income supports higher loan and taking high loan when your income do not support a huge amount.
Improve your credit history. Clearing of all overdue before applying for home loan will helps to improve the credit score. It is to be noted that your loans will not go into 30-60 or 90 days delinquency which reduce the credit score. Loan dues to be paid before the credit card payments which have higher impact on the credit score then the credit card payment. Prioritize the payments.
Do hold all the documentation required for processing the loan in originals and copies. This will help in easy verification of documents and fast processing. Any change in the employment, changes in pay structure etc during the loan process to be intimated to the concerned officer who helps in avoiding disconnect.
Save the best possible amount from your income. This will help you in having the large down payment. During the tenure of loansave the income, which can be used for prepay of principal amount. Ensure that there are no prepayment charges before making prepayment.

Things not to do for Home Loan

Do not avail any short term loans like vehicle loans, Home Loans, credit cards before going for a home loan. Any additional loan taken will reduce your Home Loan eligibility.
Do not be very optimistic about your future income and make a choice of high loan amount. This will increase your worries and you make feel unsecured.
Do not change your employer without knowing the impact on the approval of your Home loan.
Do not get into a contract with emotions, do proper research before taking a property and ensure it is right fit for you.
Do not jump into a conclusion, do the required homework before applying for home loan.
Do not forget to read the small print, ensure to read all the terms and conditions before signing the agreements.
Do not forget to make the payment of instalments. Ensure sufficient balance in the account to meet the EMI on a monthly basis.
Do not apply for a home loan only just you have eligibility. First select the property get the technical and legal cleared then go for the home loan. In case if you have applied for a home loan and it is sanctioned based on your income, subsequently property is not eligible under Bank norms you will end up losing the processing fee.

Interest Rates

1) Credit/CIBIL History:
If you have good credit/CIBIL record then banks will definitely award you with a better rate of interest. This means that if you have taken a loan previously and managed to pay it off without defaulting then you will have a high credit/CIBIL score. Apart from the loan the banks also take into account payment of your credit card bill record.
2) Nature of Employment:
The nature of your job also plays a crucial role in determining the interest rate. Banks have different checks in place if you are a salaried individual vis-à-vis a self employed person. So if you are working with a reputed organization then banks will be able to extend a cheaper rate of interest. But if you are working with an organization that is not very well known then a higher rate will be charged. In case you have your own business then banks will give you a loan even if you are in an advanced age. On the other hand in case you are a salaried employee then a loan will not be extended if you are nearing the age of retirement.
3) Bank-Customer relationship:
If you approach the bank where you already have a bank account and you are a valued customer then banks may give you certain leeway. This mean you can negotiate with the bank for a cheaper interest rate. Most banks agree to give a concession of 0.5-1% on the interest rate.

So next time you go around shopping for a Home loan, remember that these three points will affect the amount that the bank sanctions and the interest rate that it is levied. In the next article we will cover more points that affect interest rates on Home loan. So stay tuned!

Other Benefits

1) Tax Benefits:

As per Income Tax Act 1961, under section 80C, Principal repayment up to Rs. 100000 on your home loan taken for purchase or construction of a residential home property is eligible for deduction from gross salary on a annual basis.

As per Income Tax Act 1961, under section 24, Interest on home loan to an extent of Rs. 150000 P.A is allowed as expenditure under the head “Income from House Property”.

In case home loan is take by two or more jointly then under sec 80C deduction is allowed on proportionate basis.

2) Tips for Home Loan:

To increase the loan eligibility go for a joint loan. Combine your income with that your spouse or your parents.

Loans must not be taken for holidays, investing in stocks, weddings, buying expensive gadgets etc.

In case of Bad credit score take a short term loan (6 months) and repay it promptly and improve your score then.

Have the property insurance and buy loan protector life insurance for unexpected future risks.

Do not avail any short term loans like vehicle loans, Home Loans, credit cards before going for a home loan.  Any additional loan taken will reduce your Home Loan eligibility.

Facts about Home Loans

The Banks/Financial Institutes takes care about the following, when you apply for a Home Loan.

A) Earnings & repayment capacity

The Banks/Financial Institutes have their own norms and hence there will be difference in the loan amounts sanctioned to you by different the Banks/Financial Institutes. The main focus of the Banks is on your repayment capacity. They analyze how comfortably you will be able to pay the EMIs throughout the tenure of the loan. This analysis is done based on the ratios like Fixed obligation to Income ratio (FOIR) and Installment to income ratio (IIR).

These ratios are expressed in percentage. FOIR includes all your fixed obligations including EMIs on your existing loans. IIR indicates the percentage of monthly home loan installment of the total income. These two ratios may vary based on actual salary details, years of experience, stability of income, professional qualification, future career growth prospects etc.

B) Property legal and technical clearance:

Banks will not finance all properties. Banks look into various aspects like type of property, locality, Builder etc. They have certain type of properties and localities classified as negative. Therefore before finalizing a property one has to check whether the property is eligible for funding. Though it costs you little extra it is always better to check the legal and technical aspects before buying a property. Banks normally have loan to value (LTV) of 70-85% of value/ cost of the property considering type of property.

Apart from the above two mentioned parameters there is one additional and most important thing the Bank looks into is Credit history. Willingness to repay can be understood from ones past credit history and banking track.

Before selecting the Bank the following are the few points to be understood. All these will help you in selecting a right home loan lender for purchasing your dream home.

1. What is the Loan amount which the Bank is willing to extend based on FOIR?
2. What is Loan to value of the property?
3. What is the EMI amount and repayment tenure allowed?
4. What are the prevailing Interest rates and what is offered to you?
5. What are the other charges involved like processing fee, administrative fees, legal & technical fee, prepayment penalties, stamping charges, annual maintenance charges, insurance policy etc?
NOTE: Last but not least do not forget that any default in payment of home loan installments is more costly than your regular rent payments. Any such default will affect your Credit history badly and you have to bear high penalty for the same.

Home Loan Vs Mortgage Loans

Home Loans Mortgage Loan
Home loan can be availed for own/purchase of new property (Home or Flat). Mortgage loans will be provided based on already owned property.
Under Home Loan, loan can be availed only for purchase of new property. There is no restriction on mortgage loan usage. It can be used for any purpose.
Housing Loan will be provided for max of 25 years, some banks can extend it to 30 years also. Mortgage loans will be restricted to max of 10 years of term, which will be varying from bank to bank in India.
Home Loans interest will be as low as 9.95% to max of 11.5%, these interest rates will be subject to change as per market condition. Interest rate will be very from 12% to max of 15% based on the bank to bank. Generally mortgage loans will be fixed interest loans.
Home Loan customers can be eligible for Income tax deduction of Rs 1.00 lakh on housing loan interest under section 80EE. This would be in addition to the existing tax benefit of Rs 1.5 lakh under section 24, only if the value of the property purchased should not exceed Rs 40 lakh. Also, it could result in maximum savings of Rs 30,000-31,000. If the money received from a mortgage loan is used for business purposes, the interest can be claimed as an expense on the balance sheet of the business. However, if an individual is using it for personal end use, like marriage or medical expenses, the interest is not tax deductible as per income tax guidelines.
Loan can be availed up to max of Rs. 1.0 Cr under home loan, for real estate project funding it can be up to Rs. 20.0 based on the bank risk appetite. Mortgage Loans can be avail up to Rs. 15.0 cr based on the type of property and its usage and value of property and eligibility of applicants as per banks norms.
There is no prepayment penalty for the housing loan customers, when the loan will be cleared by the own funds. There will be pre payment changes will be applicable for mortgage loans. This will be vary from 1% to 3% as per bank internal guidelines.
Part pre Payments will be allowed in Housing Loans. There were no part prepayment will be allowed for Mortgage loans.
Housing Loan can be availed with joint eligibility by Husband and wife or blood relatives. Mortgage loans also avail with the joint eligibility as company and director or blood relatives.
You can avail max of 80% of the property value as a home loan as per your eligibility criteria. In Mortgage Loan max of 65% property value can avail as a Loan based on the type of property.
You can avail a top loan facility on your home loan. Top up facility will be vary from bank to bank internal guidelines.

About Bangalore

Bangalore, also known as Bengaluru (Kannada) is the capital of the Indian State of Karnataka. Bangalore is nicknamed the Garden City and was once called a Pensioner's Paradise. Located on the Deccan Plateau in the south-eastern part of Karnataka, Bangalore is India's third most populous city. There are a number of expats from across the world living in the city, Bengaluru’s reputation as a science and technology centre was established early in the 20th century in 1905 it became the first city in India to have electric street lights. Bangalore is known as the Silicon Valley of India because of its position as the nation's leading IT exporter. Bangalore is a major economic and cultural hub and the fastest growing major metropolis in India.

History is In 1537 the feudal lord Kempegowda built a mud fort here, but it remained something of a backwater until 1759, when the city was gifted to Hyder Ali by the Mysore maharaja.In 1809 the British Cantonment was established, and in 1831 the British moved their regional administrative base from Srirangapatnam to Bengaluru, renaming the city Bangalore in the process.

Places To Be Visited In Bangalore

Tipu Sultan Fort

    Tipu Sultan Fort represents the artistic talent that prevailed in the past. It was originally constructed by Kempe Gowda in the year 1537 using mud bricks. It was modified and extended by Haider Ali, who used granite stones in the process. It was Tipu Sultan who completed it during 1791 and it served as his summer retreat.

Bangalore Palace

    Bangalore Palace was constructed by Chamaraja Wodeyar in the year 1884 and he had his inspiration from England’s Windsor Castle. Located at city’s center, the Tudor style construction has Gothic windows, woodcarvings and turrets, which stand proof of the stunning architecture during the period. The 430-acre land that holds the palace has beautiful gardens.

Lal Bagh Botanical Gardens

    This botanical garden is one of the most beautiful botanical gardens in India. Constructed by Haider Ali, it was later modified by Tipu Sultan. The Glass House in the gardens was inspired by the London Crystal Palace. Spread across a sprawling 240 acres of land, the garden has above 1800 species of plants, herbs and trees. The lawn clock in the garden is the first of its kind in India.

Nandi Hills

    Nandi Hills is a perfect location to feel one with nature. Located 60 kms away from Bangalore, it is one of the hill stations near Bangalore with the solid monolithic granite mass that offers the best view. Rivers Palar and Arkavathi originate from here. The hill was named after the renowned Nandi temple, which is situated at the top of the hill. It is situated 1478 meters above sea level.

Cubbon Park

    Cubbon Park is situated in 300 acres of land. It was constructed by Richard Sankey who was the Chief Engineer of Mysore. The Park offers beautiful walk way. It deserves to be called a Paradise for walkers. It houses museums, library, aquarium, toy train and tennis academy.

Shivasamudram Falls

    The place is famous for having Asia’s first hydroelectric power station. The falls are 38 km from banglore and near by so many temples there and this is the one of the beautiful place.

Total Number Of Branches In Bangalore (3047)

STATE BANK OF INDIA (308 Branches)CANARA BANK (301 Branches)STATE BANK OF MYSORE (231 Branches)HDFC BANK (173 Branches)VIJAYA BANK (143 Branches)SYNDICATE BANK (134 Branches)ICICI BANK LTD (134 Branches)CORPORATION BANK (134 Branches)KARNATAKA BANK LTD (97 Branches)AXIS BANK (91 Branches)ANDHRA BANK (78 Branches)INDIAN OVERSEAS BANK (73 Branches)INDUSIND BANK (72 Branches)KOTAK MAHINDRA BANK LTD (68 Branches)ING VYSYA BANK (62 Branches)BANK OF INDIA (57 Branches)STATE BANK OF HYDERABAD (56 Branches)UNION BANK OF INDIA (55 Branches)CENTRAL BANK OF INDIA (52 Branches)INDIAN BANK (50 Branches)BANK OF BARODA (48 Branches)PUNJAB NATIONAL BANK (46 Branches)IDBI BANK (44 Branches)THE SHAMRAO VITHAL CO-OP BANK (40 Branches)FEDERAL BANK (39 Branches)KARUR VYSYA BANK (35 Branches)ALLAHABAD BANK (33 Branches)UCO BANK (32 Branches)STATE BANK OF TRAVANCORE (29 Branches)DENA BANK (29 Branches)SOUTH INDIAN BANK (28 Branches)LAKSHMI VILAS BANK (25 Branches)ORIENTAL BANK OF COMMERCE (24 Branches)YES BANK (24 Branches)BANK OF MAHARASHTRA (21 Branches)CITY UNION BANK LTD (20 Branches)SARASWAT CO-OP BANK LTD (17 Branches)UNITED BANK OF INDIA (15 Branches)TUMKUR GRAIN MER CO-OP BANK LTD (12 Branches)STATE BANK OF PATIALA (12 Branches)PUNJAB & MAHARSHTRA CO-OP BANK (10 Branches)CATHOLIC SYRIAN BANK LTD (10 Branches)DHANALAXMI BANK (9 Branches)STATE BANK OF BIKANER & JAIPUR (8 Branches)TAMILNAD MERCANTILE BANK LTD (8 Branches)PUNJAB & SIND BANK (7 Branches)BHARAT CO-OP BANK MUMBAI LTD (7 Branches)JAMMU & KASHMIR BANK LTD (5 Branches)NKGSB CO-OP BANK LTD (5 Branches)RBL BANK LTD (5 Branches)DCB BANK LTD (4 Branches)BANDHAN BANK LTD (3 Branches)STANDARD CHARTERED BANK (3 Branches)TJSB SAHAKARI BANK LTD (2 Branches)CITI BANK (2 Branches)HSBC BANK (2 Branches)IDFC BANK LTD (1 Branches)JP MORGAN BANK (1 Branches)DEUSTCHE BANK (1 Branches)DEVELOPMENT BANK OF SINGAPORE (1 Branches)BHARATIYA MAHILA BANK LTD (1 Branches)BANK OF TOKYO MITSUBISHI LTD (1 Branches)BANK OF AMERICA (1 Branches)ABU DHABI COMMERCIAL BANK (1 Branches)B N P PARIBAS (1 Branches)STATE BANK OF INDIA (1 Branches)STATE BANK OF INDIA (1 Branches)THE ROYAL BANK OF SCOTLAND N V (1 Branches)RESERVE BANK OF INDIA (1 Branches)RESERVE BANK OF INDIA, PAD (1 Branches)MIZUHO BANK LTD (1 Branches)