Personal Loan

 

Personal Loan

                                              Personal Loan : Benefits

• Paperless Process
• Direct Disbursement
• No Prepayment charges for Floating Rate of Interest.
• Attractive Interest Rates

                Personal Loan : Features

• Purpose of Loan: Any purpose other than speculation
• Minimum Loan Amount: Rs. 50,000/-
• Maximum Loan Amount:

1. Rs. 10 Lakhs : Existing To Bank (ETB) customers
2. Rs. 5 Lakhs : New To Bank (NTB) customers
3. Rs. 5 lakhs : New to Credit (NTC) customers

Repayment Period: 12 months to 60 months

Age criteria

• Minimum: 21 years
• Maximum age at the end of tenor:
1. For salaried - 58 years
2. For self-employed - 65 years

       Personal Loan : Eligibility

• Salaried individuals
• Self-employed Individual:
1. Self Employed Professionals (Doctor, Engineer, Architect, Interior, Designers and Tech. Management Consultants, Practicing Company Secretaries etc.), insurance agents and self-employed business persons.

• Please Note:
1. NRls / SHG are not eligible
2. Co-Applicant not allowed

Personal Loan : Documents Required

• Valid Mobile number & PAN Number
• Aadhar number for procurement of OTP for E-Stamping & E Sign.
• Net Banking Credentials or Digital Bank Statement for last 6 completed months (Bank Statement should be in Individual Name).
• For Self-Employed, ITR e-filling credentials or Digital ITR returns for last 2 years
• For Self-Employed, GST portal credentials or Digital GST returns for last 1 year (Optional)
• Web camera for clicking pictures and performing video KYC.
• Please Note: Digitally generated Bank Statements & ITR referred as - bank statement received in email or generated through Net Banking. ITR-3 or 4 directly downloaded from Income Tax Website in pdf format.

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