Oriental Bank of Commerce
About Oriental Bank of Commerce (OBC) Bank
Set up in 1943 at Lahore, the then part of India, Oriental Bank of Commerce (OBC) is a public sector Indian bank. Post-partition, the bank shifted to India and was nationalized in the year 1980. Since its inception, Oriental Bank has seen many ups and downs, but it has emerged unscathed out of all this turmoil. The bank enjoys a good reputation among its customers as a result of the prompt and customer friendly services offered to its clients. The National Institute of Bank Management has rated Oriental Bank of Commerce as Customer Friendly Bank.- Regular profit making bank
- The bank has CRISIL ratings
- The productivity per employee is highest
- The bank has high Capital Adequacy Ratio
- The bank has one of the lowest spreads in the banking sector
- Ranks amongst the financially strong commercial banks in India
Oriental Bank of Commerce Projects
Oriental Bank of Commerce undertakes projects that involve people's participation at the grassroots level to tackle social issues. Currently the bank is involved in implementing Grameen Project in the states of Uttar Pradesh and Rajasthan. The project is modeled on the pattern of Bangladesh Grameen Bank's scheme for disbursing small loan amounts ranging from ` 75 onwards. Mostly women benefit from this scheme and this project is aimed towards poverty alleviation and identifying of reasons behind its success or failure.Besides the Grameen Project, Oriental Bank of Commerce is involved with several other schemes, which are aimed at improving the living conditions of the people in the selected areas. The Comprehensive Village Development Program is a scheme focused on providing a complete and integrated package that gives rural finance to the villagers with village development being the focus. This contributes towards the infrastructural development and an increase in the income of the farmers in the village. Oriental Bank also works towards training the rural people in using the locally available raw materials to make products like jam; pickles etc and thus, enhance the cottage industry in these areas.
Oriental Bank of Commerce Services
Oriental Bank of Commerce offers various services to its clients. Some of the services offered include Loans, Deposit, NRI Services, Internet Banking, Tele-banking Service, International Proton Debit Card, SMS Banking, Savings Account, Current Account, Flexi Fixed Deposit, Cash Management Services, DeMAT Services, CASA Deposit scheme, Variable Progressive Deposit, PRAGATI Deposit scheme, and Tax Saving Schemes, Suvidha Deposit, Term Deposit etc.The bank offers Real Time Gross System (RTGS) service to clients. Under this banks and financial institutions having account with RBI can transfer funds to one another on an instant, final and irreversible basis during business hours. This facility can be used on behalf of the customers for the transfer of funds to other banks.
National Electronic Fund Transfer (NEFT) is another facility available to the customers. The Reserve Bank of India started this system for banks and financial institutions through which fund transfer operation would take place. As of now all the 1402 Service outlets of the Oriental Bank of commerce can offer this facility to their customers.
Oriental Bank of Commerce loans
Oriental Bank of Commerce is a leading Indian nationalized bank with a strong financial base. Oriental Bank of Commerce loans comes in a wide variety of categories. The options are virtually endless. There is one for everybody. The bank also has customized loans for rural India.Some Oriental Bank of Commerce loans are stated below.
- Housing loan
- Loans for defense personnels
- Car loan or vehicle Loan scheme
- Clean loan for traders
- Education Loan scheme
- Loans for professionals
- Personal loan scheme
- Loans for doctors
Home Loans
Oriental Bank of Commerce Home Loans are extended for the purpose of purchase or construction of flats or residential houses. The security pledged here is the mortgage of the property in question. It may be noted that salaried individuals, HUF, self-employed professionals, farmers, businessman and the like are eligible for this type of loan. There exist a host of terms and conditions related to this loan.Car Loans
Oriental Bank of Commerce Car and Vehicle Loans are available for the procurement of new vehicles like scooters, jeeps, motorcycles and cars. The vehicles must be private vehicles meant for non-commercial usage. For procuring this type of loan the gross salary of the applicant need to be ` 10,000/- p.m for a car. The comparable figure for a two -wheeler is ` 6,000/- p.m. The loan has a host of terms and conditions attached to it. Oriental Bank of Commerce loans are also available for financing autos and taxis.Personal loans
Oriental Bank of Commerce personal loans are extended for meeting personal expenses of applicants, expenditure for family functions, expenses related to marriages, educational expenses and the like. This loan can also be utilized for medical treatment (for self and or dependents involving hospitalization). Even travel expenses including hotel costs can be covered under this. Loans extended under this scheme involve various terms and conditions.Education Loans
Oriental Bank of Commerce Education Loans are available for financing higher education. Finances are available for payment of admission fees, procurement of books, equipments, stationary, monthly fees, examination fees and the like. There exist a wide array of terms and conditions attached to this loan. The maximum loan granted for study in India is ` 10.00 lacs and the comparable figure for studying abroad is ` 20.00 lacs.OBC Corporate Address
Harsha Bhawan, E- Block,Connaught Place,
New Delhi - 110001
Telephone Nos.: 91-11-47651841
47651861
47651820
23415508
Oriental Bank of Commerce Customer Care Numbers
Toll Free No. : 1800-180-1235 Toll Customer Care No.: 0124 - 2340940Internet Banking Help Desk No. : 040 - 66319345, 27894150
Last Updated on May 19, 2015
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