Nagaland Rural Bank

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Nagaland Rural Bank

Nagaland Rural Bank

Nagaland Rural Bank was established under the Regional Rural Banks Act, 1976, on 30th March 1983. The bank is owned by the Government Of India and sponsored by the State Bank of India. Headquartered in Kohima, runs 10 branches in 5 districts of Nagaland.

Nagaland Rural Bank Offerings

Nagaland Rural Bank has a variety of loans to offer.

  • Personal Loans, Car Loans, Gold Loans, Home Loans.
  • Education Loans, Business Loans (Term Loans, Cash Credit, Term Loan)
  • Loan for Doctors, Lawyers, Engineers.
  • KCC, Allied Activities Loans, Horticulture, Farm Mechanization.

The bank has a variety of services deposit schemes like:

  • Current Account
  • Savings Account
  • Term Deposits

It has money transfer facilities like:

  • RTGS
  • NEFT
  • SMS Alert

Loans Offered by Nagaland Rural Bank

  • Car Loan – Nagaland Rural Bank offers loans for cars that are small and compact to super-premium cars. Car Loans offers a lot of benefits such as specific pricing for existing customers, easy repayment options, less documentation, less processing time, etc. You can even get a special interest rate if you are an existing customer with the bank.
  • Gold Loan – Gold Loan will let you pledge their gold ornaments against the loan to its borrowers with a lower rate of interest and fast disbursal.
  • Home Loan – The bank offers a range of home loans for different needs. It comes with an affordable and competitive rate of interest and minimal documentation.
  • Personal Loan – Personal Loans comes with a maximum loan amount and have a variety of repayment options. One can take up the loan without collateral, and these loans are also approved quickly.

Nagaland Rural Bank Gold Loan

  • A person can keep their gold ornaments as security and get a good amount against the gold loan. A person above 18 years old can apply for a loan.
  • In order to take up the loan, an applicant should have a regular income.
  • The loan amount can get approved up to 70% of the current market value; however, if the applicant is ready to pay some higher interest rate, banks can approve up to 90% of the value of the gold.

Nagaland Rural Bank Personal Loan

  • A person above the age of 21 and up to 58 years of age can apply for a personal loan in Nagaland Rural Bank.
  • The applicant must have a regular income. However, they can be salaried or self-employed.
  • The applicant should be a permanent employee of State or Central Government, Public Sector Undertakings, Private Sector Companies, Corporations and reputed establishments.
  • A person should be able to show documents of jobs, business or profession up to 3 years.

Nagaland Rural Bank Car Loan

  • For Car Loans, there are some mandatory applications and documents that need to be brought along while availing of a loan.
  • KYC documents and Voter ID card, Driving License, PAN card, Government ID card, Passport.
  • Income Proof and recent salary certificate.
  • Address Proof and Age Proof.

Nagaland Rural Bank Home Loan

  • The applicant should be an Indian Citizen and must be able to provide proof of being a Person of Indian Origin.
  • In order to avail of a home loan, an applicant should be of 18 years or below 70 years of age at the time of loan maturity.
  • An applicant should have a regular income. However, they can be salaried or self-employed individuals and must earn a handsome income.

Nagaland Rural Bank Credit Card

  • A Credit Card can be approved by a financial institution.
  • Nagaland Rural Bank Credit Card provides facilities like collect reward points, large ticket purchases, cashback and ATM cash withdrawal with 0% interest and security against fraud and so on.

Nagaland Rural Bank Net Banking

Customers of Nagaland Rural Bank have access to netbanking via these platforms:

  • RTGS (Real Time Gross Investment)
  • NEFT (National Electronic Funds Transfer)
  • IMPS (Immediate Payment Service)
  • Invest in Mutual Funds
  • Book Fixed Deposits

Nagaland Rural Bank Customer Care Number

Location Phone Number
Head Office – Kohima 0370-2290975

Nagaland Rural Bank Customer Complaints

Nagaland Rural Bank Customer Care Number is a simple way to solve your queries and problems. An applicant can contact the customer care number and ask to solve the queries related to their loans, bank account and ATM cards, etc.

How to Open a Savings Account in Nagaland Rural Bank

One can follow these steps to open a Savings Account.

  1. Visit the nearest branch of Nagaland Rural Bank.
  2. Ask for an Account Opening Form for the Savings Account.
  3. Fill up the form with the required details and attach the necessary documents along with it.
  4. Submit the form to the bank and wait for the verification.
  5. Once verified, make a minimum deposit to the savings account.
  6. Ask the bank for a cheque book, passbook, debit card and other necessary documents.

How to Open a Current Account in Nagaland Rural Bank

One can follow these steps to open a Current Account.

  1. Visit the nearest branch of Nagaland Rural Bank.
  2. Ask for an Account Opening Form for the Current Account.
  3. Fill up the form with the required details and attach the necessary documents along with it.
  4. Submit the form to the bank and wait for the verification.
  5. Once verified, make a minimum deposit to the current account.
  6. Ask the bank for a cheque book, passbook, debit card and other necessary documents.

Nagaland Rural Bank – FAQs

What documents are required to get a loan in Nagaland Rural Bank?

  • Identity Proof – Passport, Voter ID Card, ID-Card issued by Government, Aadhar Card, Driving License.
  • Form filled with photograph and signature.
  • Address Proof
  • Age Proof – Genuine Documents of Birth Certificate, PAN Card, Employee ID card
  • Salary Slips for Salaried Persons
  • Bank Statements
  • Income Tax Returns of last three years.

How can I check my balance at Nagaland Rural Bank?

Customers can contact the customer care number and request them for balance enquiry at Nagaland Rural Bank.

What is the IFSC code of Nagaland Rural Bank?

The IFSC code of head office of Nagaland Rural Bank, which is located in Kohima, Nagaland, is SBIN0RRNLGB.

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