Oriental Bank Personal Loan

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Why us?

Rates as low as 10.50%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

About Oriental Bank Personal Loan

Oriental Bank of Commerce deals with your immediate money related needs such as medical expenses, home renovation, traveling expenses or any family functions. Oriental Bank of Commerce is an Indian bank; it is a private sector bank and established in 1943. Bank gives numerous budgetary items to the customers at entirely sensible rates. These monetary items incorporate banking, web based banking, loans, and credit cards.

A personal loan is a sort of unsecured loan and allows you meet your present day monetary needs. You don’t need to submit any collateral for availing Oriental Bank Personal Loan and your bank allows you to use the money according to your need. It can be family function , tour expenses and wedding expenses as well as the expenses of a medical emergency, home renovationnand others

Oriental Bank Personal Loan at a Glance
Interest RateStarts at 10.95%
Lowest EMI per Lakh₹2172 for a tenure of 60 months
Tenure12 to 60 months
Processing Fee0.50% to 1%
Prepayment ChargesNIL

Why Choose Oriental Bank Personal Loan?

Oriental Bank of Commerce gives numerous preferences and advantages to the general population to satisfy their needs by provding you the required principal amount. The bank is one of the oldest banks in India. In addition to this Oriental Bank provides special features and schemes to its customers on personal loan, You can use the principal amount of loan in anywhere like building a home for yourself and for the wedding costs and so many reason which the vast majority of the general population face.

  • Easily Available: Oriental Bank Personal Loan is easily available in all the banks and it is useful to satisfy individual needs.
  • Least Documents: Minimal documentation and nothing to be given as a security reason.
  • Quick Approval: Instant approval with hassle free within 24 to 48 hours.

Oriental Bank Personal Loan Benefits

Oriental Bank Personal Loan

  • Adaptable usage of  Money: Apart from different loans, the cash which you’ll be getting through personal loan can be used anyplace according to your needs. This loan is to manage the issue emerge at home like fixing the home, to pay emergency clinic bills and for the surprising occasions.
  • No insurance: Apart from different loans, the documentation methodology is straightforward and no requirement for guaranteer.
  • Adaptable Amount of loan: It relies upon the customer money related history and credit report as indicated by them and you will get the advance.
  • Adaptable Terms: 1 year to 3-year terms will be given and it is relied upon banks to banks.
  • Loan Disbursal: After the approval of Oriental Bank Personal Loan the submission of the documents, the process of loan disbursal is very quick.
  • Endorsed Loan: If you are qualified ,Oriental Bank Personal Loan gets authorized inside 24 hours.
  • No Third gathering contribution: Oriental Bank Personal Loan is easiy given to the borrower without the involvement of the outsider. It is a connection between the borrower and the moneylender.
  • Hassle free: Getting a Personal Loan is presently an issue free procedure. Online loan procedure makes it easy and fast.

Oriental Bank Personal Loan Eligibility

Practically all banks and the Non-Banking Financial Company (NBFC) offer loans to every one of the clients by fulfilling their needs based on some eligibility however not every person can get a personal loan. There are a few criteria based on them the bank give Oriental Bank Personal Loan to the candidates., while various banks have diverse eligibility yet the most widely recognized criteria for a large portion of the bank and NBFC to the client forOriental Bank Personal Loan will be the accompanying





Min 21 years, Max-60years

Min 21 years, Max 65 years


18000 per month at least

ITR of 2.5 lac minimum for last 3 years

CBIL Score

Should be 750

Should be 750

ID Proof

Addhaar Card/Pan Card/Voter Id

Addhaar Card/Pan Card/Voter Id

Address Proof

Addhaar Card/Pan Card/Voter Id /Passport/Driver License/Electricity Bill

Addhaar Card/Pan Card/Voter Id /Passport/Driver License/Electricity Bill

Employment Tenure

Minimum 12 year

Minimum 60 years

Minimum Loan Amount

1.5 lacs

2.5 lacs

Maximum Loan Amount

20 lacs


How to avail Oriental Bank Personal Loan?


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


A permanent and regular employee in the 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 than Rs 6


Up to 15 months net take-home salary, subject to a maximum of Rs.1.50 Lac.

Up to 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.


One personal guarantee preferably of a fellow employee, subject to the condition that one employee will not stand as guarantor in more than two accounts.



The 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 the 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.


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


60 EMIs (subject to a remaining period of service)

Why to apply for OBC Personal Loan at Dialabank?

You can apply for an Oriental Bank of Commerce personal loan online on the site of dialabank.com. You simply need to look for Dialabank on the google. As the financial business will be the third biggest  by 2025 and a ton of development will be there in advanced promoting and we Dialabank help the client to get a loan and conveys in time. As Dialabank is connected up with different banks.

Furthermore, It is India’s first money related helpline organization it provides loan to its clients. Presently clients can apply for a personal loan through Dialabank. So look for Oriental Bank of Commerce personal loan there. Fill the application structure with the fundamental data of yours and snap on apply catch. You will get a call from our side within 5 minutes. You can approach 60011600 too for more data about Oriental Bank Personal Loan.

  • Check your Eligibility: We have a calculator so that it will be helpful for the customer to know their EMI.
  • Instant loan Approval: After submitting all the documents for the personal loan then the customer will get the instant approval.
  • Doorstep Facility: You will get a document pickup facility from your doorstep.
  • Responsive: The customer query response is very quick.
  • No other charges: There are no other charges for the guidance of the customer’s queries.

For more information, you may call on 60011600.

FAQs About Oriental Bank Personal Loan

Q. What is Oriental Bank Personal Loan?

Oriental Bank Personal Loan is an unsecured loaning scheme that you can avail to fulfill all your personal financial needs. Oriental Bank provides personal to salaried employees of both the public and private sectors. They have schemes perfectly curated to cater to all your needs.

Q. How does Oriental Bank Personal Loan work?

Personal is an unsecured loan that does not require you to submit any security with the bank. Oriental Bank of Commerce’s personal loan comes with attractive features and benefits. Once the verification process of your eligibility and documentation is complete you will get the loan amount, the repayment can be easily done with automated deduction of monthly installments.

Q. What is Personal Loan rate of interest in Oriental Bank of Commerce?

The current personal Loan interest rates in Oriental Bank of Commerce start at 10.95% per annum. It ranges between 2.85% to 3.85% above the RBLR rate. A processing fee of 0.50% to 1% of the loan amount is also charged.

Q. What is the procedure of Personal Loan in Oriental Bank of Commerce?

You will need to first check your basic eligibility that can be done online at the bank’s official website. After you have accumulated the needed documents just visit the bank branch and apply for a personal loan. Once the loan process is complete, the amount is transferred to your account and you can use this money to pay for your personal expenses and needs.

Q. How can I get Oriental Bank Personal Loan?

To get an Oriental Bank personal loan all you have to do is visit the bank branch with required documents and submit them with the banker. Once the bank verifies your documents and approves your loan application you will receive the amount. You can make easy monthly repayments in the form of EMIs.

Q. How to apply for Oriental Bank Personal Loan?

You can apply for Oriental Bank personal loan by visiting the bank’s official website or walking into the nearest branch. You can also apply online with Dialabank to avail of personalized assistance and get financial advice for all your needs.

Q. Why apply for Oriental Bank of Commerce personal loan?

Oriental Bank of Commerce p[rovides personal loans for all your financial needs and has schemes that cater to your personal needs. You can competitive rate of interest and long tenure for burden-free repayment of your loan. A personal loan is an unsecured loan, therefore, you do not need to submit any security with the bank in exchange for the loan.

Q. How much EMI on Oriental Bank Personal Loan?

Your personal loan EMI varies with your loan amount, interest rate, and loan tenure. Oriental Bank personal loan EMIs are an easy and hassle-free way to repay your loan.

Q. How much CIBIL score required for Oriental Bank of Commerce personal loan?

If you have a CIBIL score greater than or equal to 750, your chances to get a personal loan to improve. CIBIL score estimates the risk involved for a lender in lending you money and can even affect the rate of interest offered to you.

Q. Minimum credit score needed for Oriental Bank of Commerce personal loan?

Banks require you to at least have a credit score of 700 to consider you eligible for a personal loan. Personal loans are unsecured in nature and thus your credit score becomes a major factor in determining your loan eligibility.

Q. How to calculate Oriental Bank of Commerce personal loan EMI?

Use the following formula, E = P x R x [((1+R)^N)/((1+R)^N)-1] to calculate your personal loan EMI,

Where E is your EMI, P is your principal loan amount, R is the monthly rate of interest, and N is the loan tenure in months. You can also use Dialabank’s EMI calculator to do the same.

Q. What can I use Oriental Bank of Commerce personal loan for?

You can use the Oriental Bank of Commerce personal loan to finance all your personal needs. A wedding, utility or medical bills, vacation, small or large expenses, and etc.

Q. Can I prepay Oriental Bank of Commerce personal loan?

Yes, you can prepay your personal loan with the Oriental Bank of Commerce without needing to pay any prepayment charges.

Q. How to prepay Oriental Bank of Commerce personal loan?

When you have the needed fund you can simply visit your loan branch and apply for foreclosure. Oriental Bank does not charge you any foreclosure fee and you can close your loan without any hassle.

Q. How to repay Oriental Bank of Commerce personal loan?

You can repay your Oriental Bank of Commerce personal loan in easy structured EMIs. A minimal amount is automatically deducted every month from your bank account as repayment for your loan.

Q. What documents are needed for Oriental Bank of Commerce personal loan?

You will need your basic KYC documents for identity and address verification along with bank statement of last 6 months and salary slip of 3 months. Submit these documents with a duly filled application form to start your loan process.

Q. How to check Oriental Bank of Commerce personal loan status?

You can either visit the branch and check your loan status with your banker in person or you can visit the official website of the bank and track your loan online using just your mobile number or loan reference number.

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