.

Enter Your Date of Birth and Your Retirement

Today 28-Nov-17 _
Date will Be Calculated Automatically
Date of Birth:

Date of Retirement: December 30, 1959

Enter your Joining Date and your service at JS
Dtae of Joining at JS Bank BANK will be calculated automatically

Service Time at JS Bank 117 years, 10 months

House Loan Eligibility NOT ELIGIBLE

BASIC: 0

HOUSE: - Enter Your GROSS SALARY

Here
UTILITIES: -

GROSS:

Entitlements as per HR Policy

House purchase x65 Gross 0

Emergency x3 Gross 0

Vehicle Loan x12 Gross 0

Maximum Allowed Deduction 0

Personal Loan Calculation

PRINCIPAL:

RATE: 5%

TENURE: 48

PAYMENT: -
Total Repayment: -

Interest Payment: -

Vehicle Loan 500,000

House Loan Enter your Principal Amount upto your entitlement stated above

Total Deductions including all loans 500,000 ###

DBR
Vehicle Loan Calculation

PRINCIPAL:

RATE: 5%

TENURE: 60 Enter your Repayment Time: maximum for PL=48 months, VL=60 months,
PAYMENT: - HL=300 months or upto Retirement Date, whichever comes earlier

Total Repayment: -

Interest Payment: -

Personal Loan

House Loan

Total Deductions including all loans - ###

DBR
House Loan Calculation

PRINCIPAL:

RATE: 4%

TENURE: Err:502 ###

PAYMENT: Err:502
Total Repayment: Err:502

Interest Payment: Err:502

maximum tenure for House Loan will be calculated
Personal Loan AUTOMATICALLY.
If you want to calculate it in lower number of months,
Vehicle Loan you can input your desired tenure but below your
remaining months till your Retirement date which is/
Total Deductions including all loans Err:502 ### was calculated Automatically
DBR
 Net loans(s) deduction(s) are subject to maximum of 40% of your gross salary
1. PERSONAL LOAN
Eligibility
Loan Ceiling
Tenure
Interest Rate
Collateral
Other Condition

2. CAR LOAN
Eligibility:

Loan Ceiling

Requirements
Tenure
Interest Rate
Collateral
OTHER CONDITIONS
a
b
c

3. HOUSE LOAN
Eligibility

Loan Ceiling

Appraisal

Tenure

Interest Rate
 Net loans(s) deduction(s) are subject to maximum of 40% of your gross salary
1. PERSONAL LOAN
After confirmation of services
Equivalent or less than three gross salaries
Within four years with monthly repayment installment of all loans not to exceed 40% of employees gross salary
5% per annum
As per management decision.
The employee can avail loan under same category subject to minimum 50% repayment of existing loan.

2. CAR LOAN
After confirmation and one year of service
Maximunm of 12 gross salaries OR up to 40% debt ratio (whichever is lower)
100% for new car subject to the maximum limit, and 80% cost of used car price or maximum limit whichever is lower.
One quotation for NEW CAR or Three quotations for USED CAR of same make & model
Within five years with monthly repayment installment of all loans not to exceed 40% of employees gross salary
5% per annum
Hypothecation of car. Registration of car in the joint names of JS Bank and employee;

The car will be comprehensively insured up to the amount financed

The make & model of a second-hand car should not be more than 4 years old.
The expenses in respect of Registration, CVT and insurance will be borne by the employee.
The employee may change vehicle and avail a fresh car loan after completing three years of last application and 100% repaym
loan to the Bank.

3. HOUSE LOAN
After confirmation and three (3) years of service with JS Bank
The Loan ceiling will lowest of the following three :
65 months gross salary (maximum)
Debt Burden Ratio should be 40% of all loans (inclusive of all loans)
Equal to 90% of Forced Sale Value (FSV) of the property
It shall be conducted by an independent appraiser acceptable to JS Bank. Employee shall submit all necessary documents and
deemed necessary by JS Bank to enable property appraisal.
Within 25 years OR up to date of retirement whichever is earlier, with monthly repayment installment of all loans should not e
employees gross salary.
A flat rate of 4% p.a.