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Oriental Bank Personal Loan

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Purpose:

 

 

 

 

  • To meet personal/ family expenses like   marriage/education/family functions.
  • For purchase of consumer durables, gold / gold ornaments.
  • To meet expenditure on medical treatment of self and/or dependent at   Hospitals/Nursing Homes registered with local Govt. bodies.
  • To meet travel expenses of legitimate travel by himself & family.
  • To cover travel cost, hotel stay, and other travel related expenses

                                                              

Eligibility :

  • Permanent and regular employee in Centre/State Govt. Deptt.    And other institutions like Universities, Schools/College, PSUs, reputed hospitals, and well established corporate. Professionals   and doctors shall also be eligible for loan

  • Minimum 3 years of service, including service with the previous employer(s), if any.

  • The net monthly salary should not be less then Rs 6

Amount :

  • Upto 15 months net take home salary, subject to maximum of Rs.1.50 Lac.
  • Upto 20 times net salary with a maximum of Rs.3 lakh in case the salary account is maintained with the branch for a minimum period of 6 months or Employee undertaking to deduct and remit the due installments to the bank.

Security:

One personal guarantee preferably of fellow employee, subject to the condition that        

one employee will not stand as guarantor in more than two accounts.

 

Margin:

Nil

 

Rate of interest :

BR + 5 % p.a with monthly rest.

 

Penal Interest

2% penal interest over the normal interest rate on the overdue amount for irregular  

period.  No prepayment penalty to be charged.

Process/ upfront: fee

0.50% of the loan amount with a minimum of Rs.500/ +Service tax, if any.

 

Disbursement:

 

The loan amount may be credited to SB / Salary Account of the borrower.

 

Repayment:

 

   

60 EMIs (subject to remaining period of service)

                                                                                                   

 

 

Apply Online for Personal Loan


 

 

REMINDER SERVICES EMI CALCULATOR

PERSONAL LOAN INTEREST RATES

 

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