एमबीजीबी व्यक्तिगत ऋण योजना
Personal Loan Scheme
Ø For all type of personal use except for speculative purpose.
Ø Confirmed/Permanent Defense personnel/PSUs/Sate and Central Govt./Statutory Organization/Hospitals/University/ Colleges whose salary is being through our branch.
Ø Under Check off facility for those whose salary is not paid through our branch.
Ø MBBS/BDS having total income more than Rs.4.00 Lac
Ø Staff members of bank are also covered under the scheme.
Ø Contract teacher having qualified the eligibility test and having a completed service period of 2 years.
Ø Suspended employee not to be covered
3 Minimum Income and Extent of Loan and Margin:
Ø Minimum monthly income of Rs.12500/- for urban areas and Rs.10000/- for rural areas.
Ø Extent of Loan
o Minimum- Rs.10000/-
o Maximum- Rs. 500000/-
Ø Margin- NIL
Ø Maximum for 60 months commencing from next month of disbursement.
Ø Up to Rs.25000/- NIL
Ø Above Rs. 25000/- suitable third party guarantee acceptable to bank.
6 Other Important Issues:
Ø Maxm deduction 50 percent of net salary.
Ø Genuiness of Form 16 and salary slip to be ensured.
Ø Affidavit for non availment of loan from any other till closure to be obtained and also salary to be credited till closure of loan.
Ø CIBIL report to be checked for any adverse condition.
Ø Employer to be informed through registered post informing details of loan raised by the employee from the bank.