• Loan up to 15 lacs
• No security/guarantor required
• Faster Processing
• Minimum Documentation
• Attractive Interest Rates
• 12-60 Months repayment options
•  Borrow up to Rs 15,00,000 for any purpose depending on your requirements.
•  Flexible Repayment options, ranging from 12 to 60 months.
•  Repay with easy EMIs.
•   Speedy loan approval.
•  Convenience of service at your doorstep.
•  Customer privileges

If you are an (Bank Name) Bank salary account holder, we have a special offer for you
o If you are an existing Auto Loan customer with a clear repayment of 6 months or more from any of our approved financiers or us, you can get a hassle free personal loan (without income documentation).
If you are an existing (Bank Name) Bank Personal Loan customer with a clear repayment of 9 months or more, we can Top-Up your personal loan

For Salaried Individuals:

 Applications form with recent photograph 

 Proof of Identity (any one) :
 Passport, Voters ID
 Driving License
 Government ID Card
 Defense ID Card
 Photo PAN Card
 Photo Ration Card
 Photo Credit Card
 Photograph attested by banker
 
 Address Proof (any one):
Passport
Voters ID
Driving License
Ration Card (of all the applicants)
Co-op Housing Society Receipt
Life Insurance Policy(Policy to be minimum 12 months in force)
Electricity Bill (In applicants name)
Telephone (Land or Mobile in applicants name)
Letter on companys letter head confirming address
Copy of registered lease agreement if staying on rent
Copy of flat agreement if current residence is owned
Latest bank account statement with complete address
Latest credit card statement with complete address
 Signature Verification Proof (any one)
Passport
PAN Card
Bankers Verification
Driving License
Credit Card with printed signature

 Continuity Proof (any one)
Latest Form 16
In absence of Form 16 – Letter from HR Authorized Signatory
Appointment Letter (at least 1 year old to establish 1 year continuity).
Increment or Promotion letter
 
 Income Documents/Financials
Any 2 out of last 3 Payslips or Salary Certificate for last 3 months
Bank Statements of the Primary Account for last 3 months. (For Income From Rent to be considered– latest  Rent receipts/ Copy of Agreement to be submitted)

 
For Salaried Individuals:
  
 Applications form with recent photograph
 
 Proof of Identity (any one) :
  Passport, Voters ID
  Driving License
  Government ID Card
  Defense ID Card
  Photo PAN Card
  Photo Ration Card
  Photo Credit Card
  Photograph attested by banker
 
 Address Proof (any one):
Passport
Voters ID
Driving License
Ration Card (of all the applicants)
Co-op Housing Society Receipt
Life Insurance Policy(Policy to be minimum 12 months in force)
Electricity Bill (In applicants name)
Telephone (Land or Mobile in applicants name)
Letter on companys letter head confirming address
Copy of registered lease agreement if staying on rent
Copy of flat agreement if current residence is owned
Latest bank account statement with complete address
Latest credit card statement with complete address
 Signature Verification Proof (any one)
Passport
PAN Card
Bankers Verification
Driving License
Credit Card with printed signature
 
 Continuity Proof (any one)  
3 years IT returns or Certificate of business continuity issued by bank.
Excise registration certificates
Sales Tax registration Certificates
Small scale unit registration Certificates
Certificate of Practice
Sales Tax registration Certificates
Small scale unit registration Certificates
Certificate of Practice

 Income Documents/Financials
P&L and Balance Sheet for last 2 years certified / audited by CA along with Acknowledged IT returns for last 2 years.
Bank statement of the primary account for the last 6 months. 

Proof of Business (any one)
Sales tax registration
Service Tax registration
Excise or SSI registration certificate
Title deeds or Municipality Tax receipt
Shops and establishments license
Utility bills

 For partnership firms –
Copy of the latest partnership deed  attested by Chartered Accountant and self attested by 1 partner + registration number as issued by the Registrar of Firms

For Companies, copy of Memorandum and Articles of Association, Copy of certificate of Incorporation,  List of Directors and List of Shareholders with Shareholding pattern. All documents to be certified by Chartered Accountant and attested by 1 director.

Board Resolution for Companies, authorizing one director to sign on behalf of the company. The resolution will also authorize the company to borrow. This has to be signed by signatories as per the MOA norms. This has to be signed by the company secretary and 1 director or by at least 2 directors.

Who can avail of Personal/Unsecured Loans?
 One can avail if one is
 Salaried (23 – 60 years )
 Self Employed Professional (25 – 65 years)
 Self Employed- Non Professional (21 – 65 years)
 
 
What are the minimum and maximum loan amounts?
You can avail loans upto 1700000/- depending on your eligibility, income and repayment capacity.
 
What are the loan tenure options?
 The loan can be repaid over a period of 12 to 60 months.
 
 
Do I have to provide any security, collateral or guarantors?
 No security, collateral or guarantors are required for obtaining a Personal Loan.
 
How do I repay the loan?
You can repay the loan in Equated Monthly Instalments (EMI s) through post-dated cheques favouring Financing Banks or by signing an ECS Mandate. 
 
Can I prepay my loan?
Yes, you can prepay the entire loan outstanding . Prepayment charges as applicable would be levied on the outstanding loan amount. Part prepayment of the loan is not allowed. 
 
Can I make Part payments towards the Loan?
You cannot make part payments presently; you have to prepay the entire Loan outstanding by paying Prepayment Charges, as applicable.