How to apply for a bank personal loan 2023 : यदि आपको भी पर्सनल लोन की जरूरत है, तो यहा से कर सकते है,आवेदन
Let us know the complete process of loan.
For what purpose should you take a loan :
- To cover individual costs for things like getting married, buying durable goods, travelling, taking vacations, etc.
Eligibility for a Salried Personal Loan :
Two categories comprise the loans offered under the initiative. The following eligibility requirements apply to both categories:
स्कीम ए (टाई-अप) :
- Confirmed permanent staff members of reputable private institutions and organisations in India
- The applicant may or may not keep an account with us for their salary.
- Rs. 20,000 for Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Ahmedabad, and Pune; a minimum gross monthly income of Rs. 15000.
स्कीम बी (गैर टाई-अप) :
- Confirmed permanent staff members of reputable private institutions or organisations in India
- Before submitting an application for a loan, the applicant must have been a bank customer for at least six months.
- The applicant must keep an active salary account with us.
- Rs. 20,000 for Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Ahmedabad, and Pune; a minimum gross monthly income of Rs. 15000.
How much loan will you get :
Maximum quantum Scheme A (tie-up):
- Minimum Amount: There is no cap
- Rs.15.00 Lakh.
Maximum quantum Scheme B (tie-up):
- New/first time borrower – Rs.5.00 lakh
- Current borrower – Rs. 15.00 lakh with a two-year track record of good payments
Style of the Facility :
- Term Loan
What should be the Age:
- Minimum – 18 years.
- Maximum – One year prior to retirement age.
Margin :
- Nill
Interest rate on a personal loan that is salient
- Please click here to know our latest interest rates.
Occupation Tenure
- The maximum repayment time is five years, or sixty months, provided that the repayment schedule coincides with retirement.
Moratorium
- There can be no moratorium period. Repayment will start the month after the loan’s initial installment.
Security
- There is no security, however the applicant’s spouse must apply as a co-applicant.
Guarantee
If the borrower is unmarried, widowed, or divorced, a personal guarantee from a coworker who has enough money will be required.
EMI Calculator for Salried Personal Loans
- Please click here for EMI Calculator
Conditions Apply
- Contact our nearest Branch for more details
- Click here for apply online loan
How to apply for a bank personal loan 2023
