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Personal Loan selector
Locate the appropriate loan to meet your specific requirement
. Your Requirement Our Scheme Highlights
1. Want a running overdraft limit for meeting your various personal requirements, without disturbing your fixed deposit with us? Cash Key Overdraft of 90% against your Deposit + accrued Deposit Interest

Interest charged only for withdrawn amount

2. Against Gold ornaments

Want an running overdraft facility  to meet various personal needs or onetime loan amount ?

Liquid Gold for running account

Gold Loan for onetime loan

Rs 1100/- per gram of 22 ct. or higher purity (The amount per gram may vary depending on market conditions). Interest charged only for withdrawn amount. The maximum amount is Rs. 10 lacs.
3. Wish to purchase a vehicle like Car, Scooter, Motor Cycle  etc. for personal use? Car Loan

Two Wheeler Loan

  
4. Want assistance to meet tuition & other fees, cost of books/equipments etc for studies of your ward in India/abroad?

Are you a salaried/regular income earner?

Gyan Jyothi Education Loan 95% of cost of studies in India and 85% abroad.

Maximum Rs. 10 lacs for School/ College education in India. Rs. 15 lacs for Technical / Professional higher studies in India and abroad

5. Do you wish to avail a single limit against a basket of securities like NSC, KVP, IVP,UTI Units, LIC policies etc for your various consumption needs? Mitra Varsha Minimum Rs.50,000/- and maximum Rs.20 lacs

Period - 12 months (To be renewed annually)

6. Are you in need of short term funds for various purchase/ emergent requirements such as marriage, family function, travel, treatment etc?

Purchase of TV, Washing Machine, Refigerator etc.

Sahaya Varsha 15 times net monthly income

Minimum Rs.10,000/- maximum Rs.2,00,000/-

Period: 6 to 60 months

7. Are you in need of long term funds for various general purposes/ consumer needs?

Can you offer Mortgage  of landed properties?

Suvidha 24 times net monthly income for salaried persons. 2 times net annual income for others.

Minimum Rs. 25,000/-  maximum Rs. 1 Crore 

8. If you are a Pensioner and want to take a loan based on it? Prasanthi Upto 60 years of age. 15 times monthly pension- maximum Rs. 1 lakh  60 to 65 years of age - 12times monthly pension - maximum Rs.75000.00
60-70 years o age - 10 times monthly pension - maximum Rs. 60000
Repayment
Upto 60 years - 54 EMI
60-65 years   - 48 EMI
65-70 years   - 36 EMI
9. Do you require Long term loan for purchase/construction/renovation of house?

Want to furnish your house?

Are you a salaried/regular income earner?

Housing Finance

Home Decor loan

60/48 times net monthly income (repayment obligation should not exceed 60% of NMI).

Maximum Rs. 3 Crore

Period:300 months (EMI)

10. Are you a NRI? Are you planning to purchase/construct/renovate your house? NRI Housing Loan 60/48 times net monthly income (repayment obligation should not exceed 60% of NMI). Loan: 80% of the project cost.

Maximum Rs. 3 Crore

Period:300 months (EMI)

11. Are you a NRI or your spouse a NRI? Are you planning to purchase a car/jeep/two wheeler? NRI car loan New Cars - 30 Times NMI

Loan: 85% of the cost of vehicle

Period:84 months (EMI) for new car

12. Are you a NRI? Do you want assistance to meet tuition & other fees, cost of books/equipments etc

for studies of your ward in India/abroad?

NRI Education Loan 95% of cost of studies in India
Only resident wards of NRI are eligible.

Maximum Rs. 10 lacs for  College education in India.