Information only
Standard Chartered Bank is a foreign bank licensed by the Reserve Bank of India. RBI lists its principal branch in India as Mumbai, and the Indian business is a branch of the bank, whose parent group is Standard Chartered PLC, London. Its India history goes back to 1858, when its predecessor, the Chartered Bank, opened branches in Calcutta and Bombay. The bank's retail loan menu is built around mortgages, wealth-linked lending and credit-card loans. This page is an information summary, not an offer.
Loans it offers
Loan products Standard Chartered Bank lists
| Loan | What to know |
|---|---|
| Home Loan | The bank's page lists a home loan with no prepayment charges stated; it does not name a target customer, and the property is the security. |
| Balance Transfer | For moving an existing home loan to the bank, with an option to take a top-up. |
| Loan Against Property | Listed under both mortgages and business loans; property is the security. |
| Loan Against Securities | An overdraft facility against shares, mutual funds and bonds that you hold. |
| Loan Against Term Deposits | Borrowing against a deposit with the bank. |
| Personal Loan | Listed under wealth lending as an unsecured loan. |
| Business Instalment Loan | Meant for working capital and expansion of a business. |
| Credit card loans | Dial-A-Loan, Balance On EMI, Credit Card EMI and balance transfer on a credit card are listed for cardholders. |
Read how these loans work on LOANZ 360: home loans, loans against property, personal loans and business loans. The bank's own website is the record of its current products, eligibility and terms.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Foreign bank (regulated by the Reserve Bank of India) |
| Principal branch listed by RBI | Mumbai |
| Parent | Standard Chartered PLC, London |
| Mode of presence | Branch of a foreign bank |
| History in India | Present since 1858 through the Chartered Bank, per the group's history |
As of 8 November 2026, RBI lists Standard Chartered Bank as a foreign bank with its principal branch in Mumbai.
Before you apply
- A foreign bank in India works under RBI rules. Standard Chartered operates here through branches of the overseas bank, so its Indian branches are part of one bank and not a separate Indian company.
- Several products are tied to what you already hold with the bank: shares, deposits or a credit card. Check whether a loan against those assets is cheaper than selling them.
- For a home loan balance transfer, compare total cost including charges, not only the interest rate.
- Read the Key Fact Statement (KFS) and the annual percentage rate (APR), and get charges set by the lender in writing.
Checking your own credit score does not lower it. This helps avoid unnecessary credit enquiries: too many lender checks in a short time can lower your score. Before you apply, compare eligibility and any offer on interest rates.
Use the links above to read how each loan works. Compare published rates on interest rates and browse other banks on lenders. The lending partner or information-only label is drawn by the site from live data. If shown as information only, apply on the bank's own website.
Standard Chartered Bank’s own website
Last updated 12 Nov 2026