Personal Loan

V CASH

Purpose

  • For meeting short term credit needs.

Eligibility

  • Salaried persons/ Pensioners

AGE LIMIT

  • Between 21 to 55(Left overs ervice to be min. of 2 years)
  • Pensioners – Exit Age – 72 years.

QUANTUM

  • Last 18 months average net take horne salary, with maximum of Rs.6.00 lakhs
  • For pensioners: 18 months gross pension
  • withmaximum of RS.2.00 lakhs

RATEOFINTEREST

  • For Pensioners - BR+3.05
  • For others - BR+4.05

REPAYMENT PERIOD

  • 60 Equated Monthly Instalments.

GUARANTOR (for pensioners) (Others)

  • Spouse should be invariably taken as a guarantor un-less either of them is not alive or legally separated from each other ,or suitable third party with good net worth acceptable to the bank.
  • Spouse guarantee waived, however 3rd party guarantee is required

PRESANCTION DOCUMENTS

  • Latest salary certificate of the applicants. Salary of the proposed borrower is credited to his bank account maintained with us at least for a minimum period of 6 months prior to the loan.
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