Purpose: This loan is for financing personal needs. (e.g. family holiday tour, medical treatment, education expenses, marriage etc.) or business needs.
Eligibility: The applicant of personal loan has to be a minimum of 21 years of age.
Repayment: Repayment tenures are up to 60 months. One may prepay the loan with no penalty, or pay more than your stipulated monthly installment at any time, depending upon availability of funds
Documents Required:
- Latest 3 months Bank Statement (where salary/income is credited)
- Latest 2 salary slips
- Last 2 years ITR with computation of income / Certified Financials
- Proof of Turnover (Latest Sales / Service tax returns)
- Proof of Continuity current job (Form 16 / Company appointment letter )
- Proof of Continuity current profession (IT Returns / Certificate of business continuity issued by the bank)
- 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 Degree
Other features: Nominal processing charges. No prepayment penalty in case of home loan.
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