Oriental Bank Of Commerce Personal Loan

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      Oriental Bank of Commerce Personal Loan Key Features Jan 2021

      Eligibility Criteria Details
      Age 21 – 60 years (at loan maturity)
      CIBIL Score Minimum 750 or above
      Oriental Bank Of Commerce Personal Loan Interest Rate 9.99% per annum
      Lowest EMI per lakh Rs. 2148
      Tenure 12 to 60 months
      Oriental Bank Of Commerce Personal Loan Processing Fee 1%  of Loan Amount
      Prepayment Charges NIL
      Part Payment Charges NIL
      Minimum Loan Amount Rs. 50,000
      Maximum Loan Amount Rs. 10 Lakh

       

      Oriental Bank Of Commerce Personal Loan Eligibility Criteria

      Eligibility criteria for a personal loan:

      CIBIL Score Criteria 750 and Above
      Age Criteria 21-60 years
      Min Income Criteria Rs 25000/month
      Occupation Criteria Salaried/Self-employed

      Oriental Bank Of Commerce Personal Loan Interest Rate and Charges

      OBC personal loan interest rate 9.99% per annum
      Oriental Bank Personal Loan Processing Charges 1% of Loan Amount
      Prepayment Charges 36 months: 2% of loan principal outstanding”}”>NIL
      Stamp Duty As per state laws
      Cheque Bounce Charges As per bank terms
      Penal Interest N/A
      Floating Rate of Interest Not Applicable

      Oriental Bank Of Commerce Personal Loan Documents Required

      Form Duly filled application form
      Proof of Identity Passport\n> Driving License\n> Aadhar Card\n> Voter ID Card”}”>Copy of:
      > Passport
      > Driving License
      > Aadhar Card
      > Voter ID Card
      Proof of Address Rent Agreement (Min. 1 year of stay)
      Utility Bills
      Passport (Proof of permanent residence)
      Ration card
      Proof of Income ITRs : Last two Assessment years\n> Salary Slip: Last 6 months\n> Bank Statement: Last 3 months”}”>> ITR: Last two Assessment years
      > Salary Slip: Last 6 months
      > Bank Statement: Last 3 months

      Oriental Bank Of Commerce Personal Loan EMI Calculator

      EMI Calculator.

      Oriental Bank Of Commerce Personal Loan Compared to Other Banks

      Bank Interest Rate Tenure Loan Amount & Proc Fee
      Oriental Bank Of Commerce  9.99%  12 to 60 months Up to Rs. 10 lakh / 1% to 2% of Loan Amount
      HDFC Bank 11.25% to 21.50% 12 to 60 months Up to Rs. 40 lakh / Up to 2.50% of the loan amount
      Bajaj Finserv Starting from 12.99% 12 to 60 months Up to Rs. 25 lakh / Up to 3.99% of the loan amount
      Axis Bank 15.75% to 24% 12 to 60 months Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
      Citibank Starting from 10.99% 12 to 60 months Up to Rs. 30 lakh / Up to 3% of the loan amount
      ICICI Bank 11.50% to 19.25% 12 to 60 months Up to Rs. 20 lakh / Up to 2.25% of the loan amount

      Other Loan Products from Oriental Bank Of Commerce

      Oriental Bank Of Commerce Gold Loan Oriental Bank Of Commerce Car Loan Oriental Bank Of Commerce Home Loan Oriental Bank Of Commerce Business Loan
      Oriental Bank Of Commerce TwoWheelerLoan Oriental Bank Of Commerce LoanAgainstProperty Oriental Bank Of Commerce Credit Card Oriental Bank Of Commerce Education Loan

      Why should you apply for an Oriental Bank Of Commerce Personal Loan with Dialabank?

      We are India’s first financial helpline and a team of professionals that work towards helping you fulfill your financial needs. Our team of experts will help you in the entire loan process and help you choose the loan product that fulfills your needs.

      How to Calculate EMIs for Oriental Bank Of Commerce Personal Loan

       

      You will need the following things to calculate your EMIs:

      1. Amount of the Loan
      2. Rate of Interest
      3. Tenure

      Enter these values in the calculator below for your estimated monthly EMI.

      EMI Calculator.

      Oriental Bank Of Commerce Personal Loan Processing Time

      Processing time for your loan application can be up to a week or more, but pre-approved and customers that have an account with the bank can expect the loan approval within 72 hours.

      Oriental Bank Of Commerce Personal Loan Preclosure charges

      When you have your funds ready and want to close your loan, the same can be done very easily. Oriental Bank of Commerce does not charge you any foreclosure fee.

      Pre Calculated EMI for Personal Loan

      Rate
      5 Yrs
      4 Yrs
      3 Yrs
      10.50%
      2149
      2560
      3250
      11.00%
      2174
      2584
      3273
      11.50%
      2199
      2608
      3297
      12.00%
      2224
      2633
      3321
      12.50%
      2249
      2658
      3345
      13.00%
      2275
      2682
      3369
      13.50%
      2300
      2707
      3393
      14.00%
      2326
      2732
      3417
      14.50%
      2352
      2757
      3442
      15.00%
      2378
      2783
      3466

      Oriental Bank of Commerce Personal Loan Overdraft Facility

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can also repay the cleared out completely at whatever point the condition is ideal. Hence, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

      Apply for an overdraft office as an Oriental Bank of Commerce Personal Loan. The adaptable improvement office has all the tremendous features of an unstable overdraft credit

      Different Personal Loan offers by Oriental Bank of Commerce

      Personal Loan for Marriage             

      Financial assistance to the general public for their financial needs such as marriage and other expenses. You can avail of a loan of up to Rs. 10 lakh at affordable interest rates.

      Personal Loan for Government Employees

      Government employees can avail of personal loans at special rates and flexible tenure. Being an employee of the government comes with its set of benefits, and easier loan terms are one of them.

      Personal Loan for Doctors

      Doctors and medical professionals that may require some assistance financially can apply for a personal loan of up to Rs. 15 lakh. The bank provides special interest rates for these professionals.

      Personal Loan for Pensioners

      Elderly people that receive their pension in the Oriental Bank of Commerce bank account can avail of this scheme to meet their monetary needs. You can get up to Rs. 10 lakh through this personal loan.

      Oriental Bank Personal Loan Balance Transfer

      If you wish to transfer your existing personal loan from another bank, the Oriental Bank of Commerce provides you with better interest rates and loan terms. You get flexible rates and tenure that will help reduce your financial burden.

      Oriental Bank Personal Loan Top Up

      Sometimes, you might require extra funds to meet your expenses. For such scenarios, you can apply for a top-up loan rather than a fresh new loan.

      Oriental Bank Personal Loan Status

      You can check the status of your personal loan through;

      • Visiting your loan branch in person.
      • Using the online portal of the bank.

      How to Apply for Oriental Bank of Commerce Personal Loan?

      Oriental Bank of Commerce Personal Loan

       

      Oriental bank of commerce personal loan apply online with three easy steps:

      1. Visit Dialabank and fill the form.
      2. Wait for our experts to call.
      3. Submit documents and get quick disbursal.

      FAQs About Oriental Bank Of Commerce Personal Loan

      ✅ How to apply for Oriental Bank Of Commerce Personal Loan?

      You can apply for a personal loan with Oriental Bank by visiting the nearest bank branch or by submitting a simple form with Dialabank. You can get a facility to apply from anywhere and get personal loan approval faster.

      ✅ What is the Interest Rate for Oriental Bank Of Commerce Personal Loan?

      The interest rate on a personal loan for Oriental Bank is 9.99% per annum.

      ✅ What is the minimum age for getting a Personal Loan from Oriental Bank Of Commerce?

      You need a minimum age for getting a personal loan from Oriental Bank is 21 years.

      ✅ What is the maximum age for getting a Personal Loan from Oriental Bank Of Commerce?

      The maximum age for getting a Personal Loan from Oriental Bank is 60 years.

      ✅ What is the minimum loan amount for Oriental bank Of Commerce Personal Loan?

      You can get a minimum loan amount to apply for a personal loan from Oriental Bank is Rs. 50,000.

      ✅ What is the maximum loan amount for Oriental Bank Of Commerce Personal Loan?

      Oriental Bank lets you take advantage of the maximum loan amount of Rs. 10 lakhs for a personal loan.

      ✅ What are the documents required for Oriental Bank Of Commerce Personal Loan?

      The documents required to apply for a personal loan from Oriental Bank are Aadhaar Card, Driving License, Passport, Voter ID, Ration Card, Salary slips of last 6 months, bank statements of the last 3 months, ITR file of two assessment years for income proof.

      ✅ What is the Processing Fee for Oriental Bank Of Commerce Personal Loan?

      The processing fee charged by Oriental Bank for getting a personal loan is 1%  of the Loan Amount.

      ✅ How to get Oriental Bank Of Commerce Personal Loan for Self Employed?

      Oriental Bank proffers financial help to self-employed borrowers. You must have to present the ITR files of the last two years for income proof.

      ✅ What is the Maximum Loan Tenure for Oriental Bank Personal Loan?

      The Oriental Bank has a maximum loan tenure period of 60 months for personal loans.

      ✅ What should be the CIBIL Score for Oriental Bank  Of Commerce Personal Loan?

      Your CIBIL score should be 750 and above for getting a personal loan from Oriental Bank.

      ✅ Do I have a pre-approved offer for the Oriental Bank Of Commerce Personal Loan?

      Through Dialabank, you can check out for pre-approved offers for the personal loan from Oriental bank. You have to fill a form with Dialabank and we will check out offers suited for you.

      ✅ How to calculate EMI for Oriental Bank Of Commerce Personal Loan?

      To calculate EMI for your personal loan from Oriental Bank, use the EMI Calculator available at Dialabank’s website.

      ✅ How to pay Oriental Bank Of Commerce Personal Loan EMI?

      The Oriental Bank deducts automatically your personal loan EMIs from your bank account. You can pay your EMIs through the net-banking facility of Oriental Bank.

      ✅ How to close Oriental Bank Of Commerce Personal Loan?

      Before closing the loan, you must have paid all the outstanding personal loan amount and then contact the bank branch and receive your no dues certificate.

      ✅ How to check Oriental Bank Of Commerce Personal Loan Status?

      You will contact the Oriental Bank branch to know the status of your personal loan. You can visit Dialabank and fill a form there and the rest will do by the bank representative.

      ✅ How to close Oriental Bank Of Commerce Personal Loan Online?

      If you want to close your personal loan from Oriental Bank online, you have to follow the given steps:

      • Do visit the net-banking page of Oriental Bank.
      • Login with your details.
      • Pay your personal loan.
      • Save the transaction receipt.

      ✅ How to pay Oriental Bank Of Commerce Personal Loan EMI Online?

      Oriental bank subtracts automatically your personal loan EMIs from your bank account. To get a low-EMI personal loan, fill a form at Dialabank.

      ✅ How to check Personal Loan Balance in Oriental Bank Of Commerce?

      For checking your personal loan balance in Oriental Bank, you will come in contact with the customer care number. If you look for low-interest personal loans, you must visit Dialabank and fill a form there for Personal Loan Balance Transfer.

      ✅ How to download Oriental Bank Of Commerce Personal Loan Statement?

      The personal loan statement of Oriental Bank can be downloaded through the Oriental Bank’s mobile banking app. You can also fill a form by visiting the online platform of Dialabank.

      ✅ How to Top Up Personal Loan in Oriental Bank Of Commerce?

      To get a top-up personal loan from Oriental bank, you will visit the Oriental Bank branch and contact the loan officer. You can also apply for the Personal Loan Top Up with Dialabank.

      ✅ What happens if I don’t pay my Oriental Bank Of Commerce Personal Loan EMIs?

      If you don’t pay your personal loan EMIs, Oriental Bank will charge a penal interest. To get low-interest personal loans, you can apply for a balance transfer using Dialabank.

      What relaxation scheme and moratorium Oriental Bank provides about Personal Loan due to Covid 19?

      A period of 6 months can be provided by Oriental Bank Of Commerce as a moratorium for COVID-19.

      ✅ How to find Oriental Bank Of Commerce Personal Loan account number?

      To know about your personal loan account number, you will require to contact your Oriental Bank loan branch. Dialabank will also help you in this so fill the form at Dialabank.

      ✅What is the Oriental Bank of Commerce Personal loan customer care number?

      Call at 9878981166 for any query.

      ✅What are the Oriental Bank Of Commerce Personal Loan pre-closure charges?

      When you have your funds ready and want to close your loan, the same can be done very easily. Oriental Bank of Commerce does not charge you any foreclosure fee.

      ✅What is the Oriental Bank of Commerce Personal Loan closure procedure?

      1. Visit the bank with the complete set of documents (as mentioned above).
      2. You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account.
      3. Pay the pre-closure amount.
      4. Sign the required documents, if any.
      5. Take acknowledgment of the balance amount you have paid.

      ✅What is the Oriental Bank of Commerce Personal Loan Overdraft Facility?

      An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can also repay the cleared out completely at whatever point the condition is ideal. Hence, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

       

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