Salaried permanent employees, Professionals and individuals with high net worth, regular pensioners or family pensioners drawing regular monthly pension through Branch, Staff members, retired employees (other than dismissed/compulsorily retired) of our Bank.
- 15 times of monthly Net Emoluments.
- 30 times of monthly Gross Emoluments.
- 100% of Gross Average Annual Income as per last three Income Tax Returns.
- 200% of Gross Average Annual Income as per last three Income Tax Returns.
| Net take Home | Monthly Gross Income |
|---|---|
| 40% | Upto ₹ 1 lacs |
| 30% | ₹ 1 lacs to 5 lacs |
| 25% | ₹ 5 lacs and above |
Interest rates mentioned are irrespective of the loan amount and the type of individual applying for this loan.
Overall interest rate spread: 4.50% to 5.50%
| Facility Type | Interest Rates (Per Annum) |
|---|---|
| Fully Secured | RBLR + 4.50% = 11.35% |
| Clean/ Unsecured | RBLR + 5.50% = 12.35% |
| Senior Citizen aged 60 years and above & for loan upto ₹ 50000.00 | RBLR + 3.50% = 10.35% |
| Financing secured under tie-up arrangements | RBLR + 4.50% = 11.35% |
We provide loans to meet various Personal requirements of customers and their family. Bank offers loans for marriage expenses, medical expenses, educational expenses, purchase of consumer durables etc.
1. CHECK ELIGIBILITY
Select the Loan amount and tenure to calculate as per your requirement.
2. SUBMIT APPLICATION
Fill in the online form and attach required documents with the application.
3. CHECK APPROVAL STATUS
Personal Loan for approved application will be disbursed in your Savings Account.
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Downloadable documents for the loan application to be submitted by the applicant.
General questions and answers on personal loan.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card) Authorisation letter from main applicant.
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card) Authorisation letter from main applicant.
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
In case you are unable to visit our branch for prepayment of your loan, you can send your representative along with an authority letter duly signed by the loan applicant, for payment.
The co-applicant or third party visiting the branch for closing the loan needs to carry the documents mentioned below:
- Main applicant Identification proof (Driving License or Passport or Voters card or PAN Card)
- Authorisation letter from main applicant.
