Purpose

Personal loan is the obvious choice if you need a finance for meeting personal/ceremonial/medical expenses of self /dependent. For purchase of household articles, consumer durables, repair/renovation of house property, repayment of debt etc.

Loan - Eligibility

Salary Account with our Bank, /Undertaking from employer for deduction of EMI,

For Business : Gross Income More than Rs.3.25 Lakh and satisfactory turnover in current account

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Loan - Amount & Tenure

Loan Period

Maximum 120 months

Maximum Amount

Rs.10,00,000/-(Rs Ten Lacs Only)

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Loan - Other Information

Guarantors

Minimum one guarantors acceptable to bank having net income and net worth commensurate with the quantum of loan / EMI of housing loan.

Margin

25% of estimated expenditure

Share Holding

1% of the loan amount (Refundable) & guarantors :-nominal member

Documents List

Income Proof of Applicant(s) & Guarantor(s)
PAN Card of Applicant(s) & Guarantor(s
KYC of Applicant(s) & Guarantor(s)
Property Documents

Security

Mortgage of the residential house / flat/ Bungalow

Other Charges

Franking, Stamp Duty for Mortgage, Filing Mortgage, Legal Fees, property Valuation, Insurance of Property

House Renovation Loan

10.00%