Standard Chartered Bank 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

Standard Chartered Bank Personal Loan Key Features

Eligibility Criteria 

Details

Age 23-58 yrs (at loan maturity)
CIBIL 750
Standard Chartered Bank Interest Rate 9.99% per annum
Lowest EMI per lakh Rs.2,169
Tenure 12 to 60 months
Standard Chartered Bank Processing Fee 1% of the loan amount
Prepayment Charges Up to 5% of the sum
Part Payment Charges NIL
Minimum Loan Amount Rs. 1 lakh
Maximum Loan Amount Rs. 30 lakh

Each Feature Explained in Detail Below


Standard Chartered Bank Personal Loan Eligibility Criteria

Eligibility criteria for a personal loan:

CIBIL score 750 and above
Age 23-58 yrs ( at loan maturity )
Min Income Rs. 15,000
Occupation Salaried/Self-Employed

Standard Chartered Bank Personal Loan Interest Rate and Charges

Standard Chartered Bank Personal Loan Interest Rate 9.99% per annum 
Standard Chartered Bank Personal Loan Processing Charges 1% of the loan amount
Prepayment Charges Up to 5% of the sum
Stamp Duty NIL
Cheque Bounce Charges NIL
Penal Interest NIL
Floating Rate of Interest NIL

Standard Chartered Bank Personal Loan Documents Required

Form Duly filled application form
Proof of Identity Copy of:
> Passport
> Driving License
> Aadhaar 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 > ITR: Last two Assessment years
> Salary Slip: Last 6 months
> Bank Statement: Last 3 months

Standard Chartered Bank Personal Loan EMI Calculator

EMI Calculator.

Standard Chartered Bank Personal Loan Compared to Other Banks

Bank Interest Rate Tenure Loan Amount & Proc Fee
Standard Chartered Bank 9.99% 12 to 60 months Up to Rs. 30 lakh / Up to 3% 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 Standard Chartered Bank

Standard Chartered Bank Gold Loan Standard Chartered Bank Car Loan Standard Chartered Bank Home Loan Standard Chartered Bank Business Loan
Standard Chartered Bank TWL Standard Chartered Bank LAP Standard Chartered Bank Credit Card Standard Chartered Bank Education Loan

Why should you apply for Standard Chartered Bank Personal Loan with Dialabank?

Dialabank is India’s first financial helpline number. Dialabank has the most trustworthy agents all over the country. If you apply for Standard Chartered Bank Personal Loan with Dialabank, you will get the application of your loan approves faster.

How to Calculate EMIs for Standard Chartered Bank Personal Loan

For the calculation of your Standard Chartered Bank Personal Loan EMI, the information required is given below:

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

Put these values in the calculator below and find your monthly EMIs

Standard Chartered Bank Personal Loan Processing Time

Standard Chartered Bank Personal Loan Processing Time is the time taken by the bank for your loan application approval. Two days is the processing time for this bank.

Standard Chartered Bank Personal Loan Preclosure charges

Standard Chartered Bank Personal Loan Preclosure is the repayment of the loan amount before the loan tenure. Preclosure lowers the interest rate of your loan.

Pre Calculated EMI for Personal Loan

Loan Amount EMI
Rs.2 lakh NIL
Rs.5 lakh NIL

Different Personal Loan offers by Standard Chartered Bank

Standard Chartered Bank Personal Loan

Standard Chartered Bank Home Loan           

  • Standard Chartered Bank offers a home loan.
  • It offers home loans for construction and renovation.

Standard Chartered Bank Loan for Government Employees

  • Standard Chartered Bank offers a personal loan for Government Employees.
  • It offers loan amounts according to the company that you are working in.

Standard Chartered Bank Education Loan

  • Standard Chartered Bank offers an education loan.
  • It offers education loan for studies in India and  Abroad as well.

Standard Chartered Bank Personal Loan for Car

  • Standard Chartered Bank offers loans for a car.
  • Offers loan for the new car and used car as well.

Standard Chartered Bank Balance Transfer

Standard Chartered Bank Personal Loan Balance Transfer is the transfer of loan amount from one institution to another. Balance transfer helps in lowers the interest rate of your loan amount.

Standard Chartered Bank Loan Top Up

Standard Chartered Bank Personal Loan Top Up is the additional amount that adds up into your existing loan amount. Top-up loans can avail when you have paid 12 EMIs without any delay.

How to check Personal Loan Status in Standard Chartered Bank?

Standard Chartered Bank Personal Loan Status can be checked by visit the bank’s website. Every small detail about the personal loan is given on the website.

Home Renovation Loan

Standard Chartered Bank offers home remodelling loans for clients who plan to have their house renovated. This personal loan would fund essential repairs or allow the borrower to bring new appliances, fixtures and furniture into their home. Four of the main features of the Standard Chartered Bank Home Renovation Loan are:

  • The home improvement loan interest rate begins at as low as 11.25 per cent for Standard Chartered Bank.
  • Individuals may apply to renovate their house for a credit amount of up to Rs. 20 Lakh.
  • The home improvement loan from Standard Chartered Bank requires minimal paperwork that makes the entire loan process hassle-free.
  • Usually, the loan amount is credited to the account within 72 hours after the bank approves the application.

Holiday Loan

The Standard Chartered Bank Holiday Loan will help you prepare for your ideal voyage with minimal disruption. This personal loan from the Standard Chartered Bank will cover a range of holiday expenses, including booking a flight ticket, hotel accommodation, guided tours, etc. The main features of the Standard Chartered Bank vacation loan are:

  • The interest rates on holiday loans start at 11.25 per cent p.a.
  • An amount of up to Rs 20 Lakh can conveniently be used so that a financial crisis will not ruin your dream holiday.
  • Simplified and minimal paperwork allows funding the holiday efficiently and effectively.
  • Quick processing and disbursement of credit, which is credited to your account directly.

Fresher Funding

People with a regular income are often targeted for unsecured personal loans, but Standard Chartered Bank’s Fresher Funding is different. This loan option from Standard Chartered Bank is designed to support beginners, i.e. recent graduates who are seeking their first work. Some key features of the Standard Chartered Bank Fresher Funding personal loan include the following:

  • Sum of up to Rs 1.5 lakh loans
  • It should have been at least 21 years of age for the candidate.
  • The interest rate for Fresher Funding relies on the profile of the loan borrower, the credit history/score of the applicant, age and place.

NRI Personal Loan

Standard Chartered Bank only gives NRIs an exclusive loan, knowing the NRIs’ hopes and dreams. The primary loan candidate must be an Indian citizen and an associated relative must be the co-applicant NRI. The following characteristics include NRIs Personal Loan

  • With scalable end-use NRIs of up to Rs. 10 lakh, Standard Chartered Bank makes private loans available.
  • The interest rates of NRI Personal Loans start at 15.49 per cent p.a.
  • For a term of up to 36 months, the loan is.

How to Apply for Standard Chartered Bank Personal Loan?

Avail a personal loan by following the given steps below:

  1. Visit Dialabank and fill the application form.
  2. Our representative will call you.
  3. Our representative will guide you through the whole process and tell you the details of the loan.

Personal Loan Verification Process

The key steps involved in a personal loan verification process are as follows:

  • The details are sent to the prospective lender after you have sent your online application to Paisabazaar. Next, to arrange document selection, you will receive a confirmation call from the bank’s representative
  • First, your records are checked and a bank representative will call back with the final proposal when your loan is accepted.
  • Then you are asked to sign the loan agreement and the disbursement normally takes place within 4-7 working days of the application documents being submitted. However, depending on different variables such as loan principal and interest rate, a shorter or longer disbursement period may be applicable.

Check your Standard Chartered Bank Personal Loan Status

Standard Chartered Bank Personal Loan

To help you review the status of your Standard Chartered Bank personal loan application online, the following is a step-by-step guide:

  • On the main site of Standard Chartered Bank, go to the “Track your online application status” webpage.
  • To check the status of your Standard Chartered personal loan application, fill in your application reference number and mobile number as shown on the loan application, then click “Submit”.

How to Login in Standard Chartered Bank Portal

  • Visit the home page of the main website of Standard Chartered Bank India and click on ‘Online Banking Login’ under the ‘Login’ menu.
  • Enter, along with captcha, the username and password, then select ‘login’
  • When you have signed in, you can see key information of all your Standard Chartered accounts, like your personal loan account and a number of banking services.

Know More: Standard Chartered Bank Personal Loan: Registration Process and services

How to check Standard Chartered Bank Personal Loan Statement?

There are different ways you can search online for your personal loan statement. Some main ways to go about it are the following:

  • Using the steps described above, you can login to Standard Chartered Net Banking and view/download your personal loan statement.
  • You may also visit the nearest Standard Chartered Bank branch in person to request a copy of your personal loan statement by calling customer service.

Standard Chartered Bank Personal Loan Restructuring (COVID-19)

In order to significantly mitigate the impact of the COVID-19 pandemic, a 6-month moratorium was announced on multiple term loans. Standard Chartered Bank announced an RBI-mandated one-time benefit from the restructuring of Standard Chartered Bank’s personal loan after the 6-month moratorium was finalised. This scheme is designed to offer continued relief to borrowers who, due to the ongoing financial distress of the pandemic, are still unable to begin repayment of their regular EMI.

For the loan settlement mechanism initiated by Standard Chartered Bank, an additional moratorium of up to 2 years or an extension to the current repayment period to reduce monthly EMI payments is required. It should be noted that the restructuring of Standard Chartered Bank’s personal loan would give rise to additional interest rates which would surpass those of the original loan. Therefore, only as a last resort can this relief tool be used.

Standard Chartered Bank Customer Care

  • You can call us on the following number of any product-related query: 9878981166.
  • You can also reach out to us on the Dialabank website.

Benefits of Applying for Personal Loan at Dialabank

  • Paisbazaar is a platform that offers you to simultaneously search personal loan offers from different banks and NBFCs, thereby removing the need to visit individual websites of different lenders.
  • At Paisabazaar, you are redirected to potential lenders providing loans according to your eligibility when you fill in your basic information like income, employer, loan amount you need, etc. The desired lender can be chosen according to your personal requirements.
  • The Paisabazaar EMI Calculator allows a person to estimate the EMI payable by simply providing the number, interest rate and tenure of the loan before applying for the loan.
  • You get immediate conditional e-approval once you select the desired lender and apply for the loan at Paisabazaar, and your loan application is redirected to the bank for further procedures.

Important Aspects

  • Maintain a stable credit score: Since a good credit score indicates that you have made all repayments on time in the past, a credit score tells a lender of your repayment history. Therefore a good credit score is important to have
  • Check your eligibility: Personal loan eligibility requirements can vary from lender to lender. Therefore, check if you are eligible to apply for a specific lender’s personal loan before you go forward.
  • Do not apply concurrently with several lenders: if you apply at the same time with different lenders, you can behave as a credit hungry individual and may therefore not be eligible for a personal loan.
  • Balance all credit card payments: Pay your current credit card bills to your debt-to-income ratio before accepting a personal loan, which should not be more than 50 percent.

FAQs About Standard Chartered Bank Personal Loan

✅ How to apply for a Personal Loan in Standard Chartered Bank?

You can apply for a personal loan with Standard Chartered Bank through the visit nearby branch of Standard Chartered Bank or submit the form with Dialabank. You will get the satisfaction to apply from anywhere with Dialabank.

✅ What is the Interest Rate for Personal Loan offered by Standard Chartered Bank?

The interest rate for a personal loan from Standard Chartered Bank starts at 9.99%.

✅ What is the minimum age for getting a Personal Loan from Standard Chartered Bank?

The minimum age for getting a personal loan from Standard Chartered Bank is 23 years.

✅ What is the maximum age for getting a Personal Loan from Standard Chartered Bank?

The maximum age for getting a personal loan from Standard Chartered Bank is 58 years.

✅ What is the minimum loan amount for SCB Personal Loan?

You can avail a minimum loan amount from Standard Chartered Bank Personal Loan up to Rs. 1 lakh.

✅ What is the maximum loan amount for Standard Chartered Bank Personal Loan?

The maximum loan amount for a personal loan from Standard Chartered Bank is Rs. 30 lakh.

✅ What are the documents required for Standard Chartered Bank Personal Loan?

The documents required when you apply for a personal loan from Standard Chartered Bank Personal Loan are aadhaar card, driving license, voter ID card, PAN card, salary certificate and form number 16, bank statements of the last 3 months, and ITR file.

✅ What is the Processing Fee for Standard Chartered Bank Personal Loan?

The processing fee charged for getting a personal loan by Standard Chartered Bank is up to 1% of the loan amount.

✅ How to get Standard Chartered Bank Personal Loan for Self Employed?

Standard Chartered Bank offers personal loans to self-employed to help them economically. You will need to show the ITR files of the last two years for income proof.

✅ What is the Maximum Loan Tenure for Standard Chartered Bank Personal Loan?

The maximum loan tenure duration for a personal loan from Standard Chartered Bank is 60 months.

✅ What should be the CIBIL Score for Standard Chartered Bank Personal Loan?

The CIBIL score for getting a personal loan from Standard Chartered Bank should be 750 and above.

✅ Do I have a preapproved offer for Standard Chartered Bank Personal Loan?

You can check for getting a preapproved offer from Standard Chartered Bank through Dialabank. You just fill a simple form at Dialabank and get your personal loan preapproved offer.

✅ How to calculate EMI for Standard Chartered Bank Personal Loan?

To calculate your personal loan EMI from Standard Chartered Bank, you can use the EMI calculator available for you at Dialabank.

✅ How to pay Standard Chartered Bank Personal Loan EMI?

Your personal loan EMIs from Standard Chartered Bank deducts automatically from your bank account. You can also use the net-banking service of Standard Chartered Bank to pay your personal loan.

✅ How to close Standard Chartered Bank Personal Loan?

You have to pay the outstanding personal loan amount and then contact the Standard Chartered Bank to receive your no dues certificate.

✅ How to check Standard Chartered Bank Personal Loan Status?

You will need to visit the Standard Chartered Bank branch for checking out your personal loan. Alternatively, you can visit Dialabank and fill a form to let us do the best work for you.

✅ How to close Standard Chartered Bank Personal Loan Online?

Closing the personal loan from Standard Chartered Bank, the given instructions you have to follow:

  • Visit the net-banking page of Standard Chartered Bank.
  • Login using your details.
  • Pay your personal loan.
  • Save the transaction receipt.

✅ How to pay Standard Chartered Bank Personal Loan EMI Online?

You can use the net-banking facility of Standard Chartered Bank to pay your EMI online. If you want to get a low-EMI personal loan, Dialabank will provide you with the best deals.

✅ How to check Personal Loan Balance in Standard Chartered Bank?

To check the personal loan balance in Standard Chartered Bank, you will need to contact the customer care number of Standard Chartered Bank. If you are in search of low-interest personal loans, you must visit Dialabank and apply for Personal Loan Balance Transfer.

✅ How to download Standard Chartered Bank Personal Loan Statement?

To download the personal loan statement of Standard Chartered Bank, you can use the Standard Chartered Bank’s mobile banking app. You also visit the online platform of Dialabank.

✅ How to Top Up Personal Loan in Standard Chartered Bank?

If you require a top-up on your personal loan from Standard Chartered Bank, you must visit the bank branch and contact the loan officer. Also, apply for Personal Loan Top Up with Dialabank.

✅ What happens if I don’t pay my Standard Chartered Bank Personal Loan EMIs?

If you don’t pay your personal loan EMIs of  Standard Chartered Bank, the bank will charge a penal interest. You can apply with Dialabank for a balance transfer and get a low-interest personal loan.

✅ How to find Standard Chartered Bank Personal Loan account number?

To find your personal loan account number of Standard Chartered Bank, you will need to contact your Standard Chartered Bank loan branch. Also, apply with Dialabank.

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