Purpose: This loan is for those who are self employed and professionals like Doctors, Lawyers, Teachers, Chartered Accountants, etc.
Eligibility: Any professional or self-employed person can avail this loan.
Margin: There is a margin of 20%.
Rate of Interest: The rate of interest of this personal loan is 10.5% per annum.
Repayment: The repayment period could be from 1 year up to 5 years. One may prepay the loan with no penalty, or pay more than your stipulated monthly installment at any time, depending upon availability of funds.
Other features: Nominal processing charges. No prepayment penalty.
Documents Required:
- Latest 3 months Bank Statement of salary account.
- Last 2 years ITR with computation of income / Certified Financials
- Proof of Turnover (Latest Sales / Service tax returns)
- Proof of Continuity current profession (IT Returns / Certificate of business continuity issued by the bank)
- Any one proof of Identity
- Proof of Residence (any one) Ration Card / Utility bill / LIC Policy Receipt
- Proof of Office (any one) Lease deed / Utility bill / Municipal Tax receipt / title deed
- Proof of Qualification (for Professionals / Government employees
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