Personal Loan

Personal loans are one of many types of loans you can borrow from a bank. These loans
are typically general purpose loans that you can use at your discretion. Personal loans are often
more difficult to get and have strict qualification requirements. If you're thinking about
borrowing a personal loan, here are some things you know about them.
Personal loans are unsecured
Personal loans have fixed amount
Personal loans usually have fixed interest rates-14%
Personal loans had a fixed repayment period
Applying for a loan-Easier
Features
Highly competitive personal loan interest rates
Special offers, interest rates and charges for Bank account holders
Personal loan eligibility in 1 minute available online and across all branches
Special personal loan offers for women employees
Walk in Loan: Walk in to the branch with your documents and get Personal Loan in a day at
select branches.
LOANS
Personal Loan
Gold Loan
Mortgage Loan
Cash Credit Loan
3/4 Wheeler Loans
Convenience of contacting us through SMS, Web chat, Click to Talk, Phone Banking and across
all branches
Benefits
Simplified documentation
Personal loan disbursal in 2 days
Competitive pricing
Transparency
Personal loans available for various needs.
Gold Loan
Many nationalized banks, private banks and other financial companies offer this loan at
attractive rates. Many go for this loan for short period to meet the requirement of their childrens
education, marriage and other financial problems in the family. And others think that instead of
keeping the gold idle at home or locker, loan against gold is the best option. Moreover with the
rise in gold rates the demand from companies and banks offering such loans has raised. These
gold loans are two types.
1.Normal Loan
2.Express Loan
1. Normal Loan
Interest 12%
Period 6 months
Per Gram 1900



2. Express Loan
Interest 14%
Period 1 year
Per Gram 2000

Features
Safe: Unique triple layered security for your gold
Quick: spot sanction and disbursal
Easy: One page documentation
Benefits
Special interest rate for women customers
Lowest monthly outflow.

Mortgage Loans
A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to
raise money to buy the property to be purchased or by existing property owners to raise funds for
any purpose. The loan is "secured" on the borrower's property. This means that a legal
mechanism is put in place which allows the lender to take possession and sell the secured
property to pay off the loan in the event that the borrower defaults on the loan or otherwise fails
to abide by its terms. The word mortgage is derived from a "law French" term used by English
lawyers in the middle ages meaning "death pledge", and refers to the pledge ending when either
the obligation is fulfilled or the property is taken through foreclosure.
There are many types of mortgages used worldwide, but several factors broadly define the
characteristics of the mortgage. All of these may be subject to local regulation and legal
requirements.
Interest: Interest may be fixed for the life of the loan or variable, and change at certain
pre-defined periods; the interest rate can also, of course, be higher or lower.
Term: Mortgage loans generally have a maximum term, that is, the number of years after
which an amortizing loan will be repaid. Some mortgage loans may have no
amortization, or require full repayment of any remaining balance at a certain date, or
even negative amortization.
Payment amount and frequency: The amount paid per period and the frequency of
payments; in some cases, the amount paid per period may change or the borrower may
have the option to increase or decrease the amount paid.
Prepayment: Some types of mortgages may limit or restrict prepayment of all or a portion
of the loan, or require payment of a penalty to the lender for prepayment.
Cash Credit Loan
A cash credit is a short-term cash loan to a company. A bank provides this type of
funding, but only after the required security is given to secure the loan. Once a security for
repayment has been given, the business that receives the loan can continuously draw from the
bank up to a certain specified amount. Here cash credit loan will taken as for business purpose
and for that will keep security as land or house for taking this loan. Then interest is given as
14to16%.
3/4 Wheeler Loans
3 Wheeler Loans
These loans are given in a bank as dependent loans which can be derived by the
Required security to secure loan.
Features and Benefits
We cover the widest range of three-wheelers in India
Flexible repayment options, ranging from 12 to 36 months
3 wheeler loans sanctioned within 48 hours
Enjoy hassle-free documentation
Multiple plans customised to match your needs
Competitive rates of interest


4 Wheeler Loans
You no longer have to wait to buy that dream car because bank offers great car loan deals
with up to 100% finance. Whether it is a new car, a pre-owner car or even a loan against a car,
we can offer you a car loan at attractive interest rates and flexible repayment tenures. Fast
approvals, personalised service and utmost transparency make us the leader in car loans in India.
New Car Loans
Features
Up to 100% finance
Loan disbursal in 2 days
Fixed interest rates
No Income Document Scheme
Flexible tenure of up to 7 years
Benefits
Fast and hassle free loan processing
Stability in EMI repayment, not affected by fluctuating market rates
Lowest down payment and best deals for customers
Pre-Owned Car Loans
Features
Up to 100% funding
Loan basis ID and address proof
Transperant and fixed interest rate
Benefits
Lowest down payment
No income documents required
Stability in EMI repayment, not affected by fluctuating market rates