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 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 Stamp Duty NIL
      Cheque Bounce Charges NIL
      Penal Interest NIL
      Floating Rate of Interest NIL

      Standard Chartered Bank Personal Loan Status

      You can check the status of your Standard Chartered Bank Personal Loan by the following methods – 

      • You can visit your loan branch and ask the banker for the same.
      • Log In to the Standard Chartered Bank Net banking Portal, Click on loans from the top ribbon and click on Enquire to check the status of your loan.

      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 Fees and Other Charges

      Category Details
       Standard Chartered Bank Personal Loan Interest Rate 10.50% per annum
      Standard Chartered Bank Personal Loan Processing Fee 1% of the loan amount
      Min ₹ 1000 and Max ₹ 25000
      Prepayment  No prepayment is allowed until 12 EMIs are paid
      Pre-closure No foreclosure is allowed until 12 EMIs are paid
      Prepayment Charges 13-24 months: 4% of loan principal outstanding
      25-36 months: 3% of loan principal outstanding
      >36 months: 2% of loan principal outstanding
       
      Stamp Duty As per state laws
      Cheque Bounce Charges ₹ 550/cheque +  GST
      Floating Rate of Interest Not Applicable
      Overdue EMI Interest 2% p.m.(on overdue amount)
      Amortization Schedule Charges ₹ 200 + GST

      Standard Chartered Bank Personal Loan Documents Required

      Form Duly filled application form
      Proof of Identity Proof of Address Rent Agreement (Min. 1 year of stay)
      Utility Bills
      Passport (Proof of permanent residence)
      Ration card
      Proof of Income Standard Chartered Bank Personal Loan EMI Calculator

      EMI Calculator 

      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

      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 apply for 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 bank’s time 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.

      Documents Required for Preclosure of Standard Chartered Bank Personal Loan 

      Generally, the following documents are required to foreclose your Standard Chartered Bank personal loan:

      • A valid photo identity proof
      • Loan Account Statement
      • Cheque/ demand draft/ cash to make the payment

      Standard Chartered Bank Personal Loan Foreclosure Benefits 

      Given below are a few key benefits of foreclosing your Standard Chartered Bank personal loan:

      Foreclosure / Full Prepayment

      • Helps you save on the overall interest payout.
      • Frees you from the burden of regular loan repayments.

      Partial Prepayment

      • It enables you to save on the interest component.
      • You also have the advantage of either paying a reduced EMI amount or having a shorter loan tenure.

      Standard Chartered Bank Prepayment Facility

      The bank also offers prepaid accommodation to help customers pay the full amount or part of it. If you have a balance left over and you meet the conditions below you can pay part of your principal balance to reduce the same. This will also help save interest on accumulated capital. Find out more about the facility below.

      Note:

      • Prepayment will be allowed subject to the effective payment of the first 12 EMIs.
      • Prepayments will be allowed twice the entire loan period.
      • Prepayment is allowed only once a year.
      • At any time, the advance payment will not exceed 25% of the Principal Outstanding
        Prepayments.

      Charges:

      • 13-24 months – 4% of outstanding loan balance
      • 25-36 months – 3% of outstanding loan balance
      • Over 36 months – 2% of outstanding loan balance

      Standard Chartered Bank 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

      Standard Chartered Bank Personal Loan for Salaried Employees

      Standard Chartered Bank offers Personal Loan for Salaried Employees at attractive rates of interest. The amount that you get a loan depends on the Company that you work for, The take-home salary of the employee, and the city of residence of the employee. Standard Chartered Bank offers these loans for a tenure of 12-60 months and provides instant approval along with funds to pre-approved customers.

      Standard Chartered Bank Personal Loan for Self Employed Individuals

      Standard Chartered Bank’s  Personal Loan for Self Employees is a loan product offered to self-employed individuals and in need of funds. The bank provides them with attractive rates of interest on their personal loan and tenure of 12-60 months. However, as compared to Salaried Employees, you have to present more documents here as you need to provide the bank with sufficient documents related to your business to prove its continuity as well as your steady income.

      Standard Chartered Bank Personal Loan for Tcs Employees

      • Exclusive personal loans with a reasonable interest rate of 11.25% p.a.
      • EMI for personal loans starts at Rs.2178 per lakh when terms and conditions are met.
      • The hassle-free documentation process for TCS employees.
      • Pre-approved personal loans for eligible TCS employees.
      • Interest rate starting at 11.99% p.a for superbike loans.
      • Great offers on home loans with an interest rate of 9.45% p.a and discount interest rate for women at Rs.9.40% p.a.

      Standard Chartered Bank Moratorium Process

      The process for setting up your Standard Chartered Bank loan EMIs is as follows-

      • Visit the Standard Chartered Bank website or use the mobile app
      • Click on the link where the suspension period appears
      • On the application page, state your registered mobile number, name, email address
      • Then enter your birthday and choose the type of loan
      • Enter your loan number and state your EMI value
      • Then make a decision and choose the right app
      • Click on the EMI reversal option that says I agree to pay interest earned on the remaining balance
      • Click the ‘Submit’ button
      • The bank will review the details and process your application for suspension
      • You will be given a reference when successfully completing the process on your registered number and email address

      Standard Chartered Bank Personal Loan Special Pricing 

      If a customer is looking for INR 15 lakh of the loan amount or more than that below rates would be applicable.

      Loan Amount IRR Processing Fee (+GST)
      Loan amount >=15 lakh* 10.50% INR 3999

      *Terms & conditions apply

      This offer is not applicable for Top-up/ Enhancement/ Existing loan amount closure.

      If a customer is looking for a Balance transfer and a fresh loan of above INR 10 lakh above, the below offer is available.

      NTH Loan Amount IRR Processing Fee (+GST)
      >=50000 Loan amount >=10 lakh* 10.50% INR 3999

      *Terms & conditions apply

      • Not applicable on Existing loan closure
      • Not applicable for Credit card BT

      How to Manage Personal Loan 

      Here are the 4 tips that will help you manage your loans:

      1. Pay On Time: The first step is to avoid late fees and penalties. The best way to do that is by paying your monthly payments on time every month. This also hits the credit score. These are needless and all too common consequences that will work against your financial condition.
        If you have just taken a personal loan or are about to, the best way to manage your loan is by making a monthly payment on your loan as soon as you receive the loan. By being a payment ahead of your installment plan you will have a buffer against a missed payment.
      2. Pay More Than Your Minimum: Paying beforehand is a good option for managing your plans but paying a little extra every month keeps you ahead of your loan term and provides you with some other financial bonuses.
        Moreover, paying extra on your loan reduces the length of the repayment plan. This will help you clear the debt and allows you to regain your financial independence sooner. It will also reduce the rate of interest you owe and thus, saving you money in the long run.
        Paying off your debts faster also leads to an improvement in your credit score. A lower credit score will benefit you in several ways, like dropping down payments and rate of interest.
      3. Consolidate Your Loans: For debtors managing multiple personal loans, consolidation could be the best way to simplify your debt repayment. Debt Consolidation is when you take a large loan to repay all the other loans you have taken. So, instead of paying multiple lenders every month with different rates of interests and needs, one can make a single payment to one provider.
        Debt Consolidation is helpful if you can save an interest rate on a new loan that is lower than the average interest rate of the earlier loans.
        The only disadvantage that lies here is that one will likely end up having to reimburse the debt quicker than before. Before consolidating your debt, make sure that you can make the payments on a new loan. This may also help to reimburse large portions of your loans on credit rather than with a single loan, consolidating it into more controllable pieces.
      4. Credit Score: Last but not the least, always keep a close watch on your credit score while reimbursing a personal loan. The credit score plays a major role in finances and has an important relationship with the loans taken out. How you manage your loans is reflected in your credit score. On the other hand, falling behind on your payments will subordinate the credit score. Thus, a higher credit score is important.

      Different Personal Loan offers by Standard Chartered Bank

      Standard Chartered Bank Marriage Loan

      Marriages are one of the costliest events in Indian households. Standard Chartered Bank has personal loan offers with a low-interest rate and high loan quantum to meet your wedding expenses.

      Standard Chartered Bank Personal Loan for Government Employees

      Government employees can apply for a Standard Chartered Bank personal loan to meet their financial expenses. The bank has personal loan offers to meet your different monetary needs.

      Standard Chartered Bank Personal Loan Offers for Government Employees

      Offers By Government Number of Companies Processing Fee(% of the Loan Amount IRR
      Miniratna, Navratna, and Maharasthra 55 1.50% 13.49%
      11.49%
      10.99%
      Pensioner All 1.50% 14.75%
      Employees from the Railway Department All 1.50% 16.50%
      15.00%
      14.25%
      CISF, CRPF, ITBP, SSB and BSF All 1.50% 14.75%

      State and Central Government Officers:

      Section Salary Processing charge IRR
      Government Officer Division A (GA) and Division B (GB) NTH>24k 2% 16.75%
      NTH>35k 2% 15%
      NTH>50k 1.75% 14.75%

      Standard Chartered Bank Doctor Loan

      Doctors and medical professionals can apply for a personal loan from Standard Chartered Bank and enjoy a range of offers and deals curated to their personal and professional needs.

      Standard Chartered Bank Personal Loan for Pensioners

      Government employees can fulfill their post-retirement financial needs by applying for a personal loan with Standard Chartered Bank. The bank has special offers for all the pensioners with their pension account with the bank.

      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 to your existing loan amount. Top-up loans can avail when you have paid 12 EMIs without any delay.

      Standard Chartered Bank 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 in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

      Apply for an overdraft office as a Standard Chartered Bank for an unexpected new turn of events. The adaptable improvement office has all the colossal features of a slight overdraft credit.

      Standard Chartered Bank 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 percent 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.

      Standard Chartered Bank 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 percent 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.

      Standard Chartered Bank 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 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.

      Standard Chartered Bank 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 percent p.a.
      • For a term of up to 36 months, the loan is.

      Standard Chartered Bank Personal Loan Preclosure Online

      Standard Chartered Bank enables a Personal loan borrower to make a pre-closure or a pre-payment of a loan. However, you will be able to prepay your Standard Chartered Bank Personal Loan only after 12 months after you have procured your loan and after paying 12 EMIs plus the foreclosure charges that may be applicable. If you meet this requirement, you can repay your personal loan before the original due date and close your loan early.

      Standard Chartered Bank Personal Loan Process Steps

      Step 1: Determine your requirement
      Figure out why you need a Personal Loan and how much you need. For example, you may need a loan to fund your wedding or to renovate your home. And you may need just Rs. 1 lac or Rs. 10 lac.

      Step 2: Check loan eligibility
      Once you know how much you need, you should check whether you are eligible. You can visit the Standard Chartered Bank Personal Loan Eligibility Criteria online, to find out how much you can borrow as a Personal Loan. Standard Chartered Bank offers loans up to Rs. 40 lac.

      Step 3: Calculate monthly installments 
      Use an online EMI tool to calculate your approximate loan repayments every month. You can modify the interest rate and tenure to match your monthly income, like on the Standard Chartered Bank Personal Loan EMI Calculator. Standard Chartered Bank offers pocket-friendly EMIs on all its Personal Loans starting at Rs. 2149 per lac * (T&C).

      Step 4: Approach the bank 
      You can apply for a Personal Loan with Standard Chartered Bank in various ways: Via Net Baning, online on the Standard Chartered Bank website, at an ATM, or by visiting a branch.

      Step 5: Submit documents 
      Next, find out what documents are required for a Personal Loan. You will usually need income proof (bank statements, salary slips or IT returns), address proof, and ID proof. Hand over copies of your Personal Loan documents at the bank.

      Wait for funds to be remitted to your account. Standard Chartered Bank disburses funds for pre-approved loans to customers in 10 seconds*, and for non-Standard Chartered Bank customers in 4 hours.

      That’s how to get a Personal Loan in 5 easy steps!

      Standard Chartered Bank Personal Loan Prepayment Charges 

      If you are a salaried applicant, you can pre-pay your Standard Chartered Bank Personal Loan only after paying 12 equated monthly installments completely.

      The pre-payment charges for salaried applicants are as follows:

      • 4% of the outstanding principal amount for 13 to 24 months.
      • 5% of the outstanding principal amount for 25 to 36 months.
      • 2% of the outstanding principal amount for more than 36 months.

      How to Apply for Standard Chartered Bank Personal Loan?

      Standard Chartered Bank Personal Loan

      Avail of 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

      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 Standard Chartered Bank’s main site, go to the “Track your online application status” web page.
      • To check your Standard Chartered personal loan application status, 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 Standard Chartered Bank India’s main website 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 all your Standard Chartered accounts’ key information, like your personal loan account and several banking 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 log in 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)

      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 finalizing the 6-month moratorium. This scheme is designed to offer continued relief to borrowers who, due to the pandemic’s ongoing financial distress, 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 that 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 for 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, the 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.

      How to get the best offer on Standard Chartered Bank Personal Loan?

      You can get the best personal interest rates from Standard Chartered Bank subject to an assessment of your loan amount, salary, other obligation company you work with, and loan tenure. The following factors determine the personal loan rate of interest you can expect to get from Standard Chartered:

      • Loan Amount – This is the amount borrowed by a borrower from the bank. Generally, banks offer lower interest rates for higher amounts. Standard Chartered Bank offers loans between ₹ 50,000 and ₹ 75 Lakh.
      • Salary – Income defines your capacity to repay the loan. Higher salary bracket individuals are offered loans at lower interest rates. The interest rate of the bank varies with your net monthly income.
      • Employer Category – Standard Chartered Bank has an internal list of companies falling into categories that are ranked from high to low company categories based on the company’s size, reputation, and existing relationship with the bank. Employees who belong to companies in higher company categories get attractive discounts and low-interest rate loans.
      • Relationship with the Bank – Standard Chartered Bank offers special rates, offers, and charges to the existing account holders of the bank. Those who have managed their accounts and made all the payments on time in the past will get the benefit of a low Standard Chartered Bank loan interest rate.
      • Loan Tenure – Personal loans are of shorter tenure ranges from 12 months to 60 months as they are taken to meet their immediate requirements.
      • Repayment Capacity – Before giving a loan to the borrower, Standard Chartered Bank checks the repayment capacity of the borrower. Bank verifies the repayment capacity of the customer through CIBIL as it has the repayment track record of previous loans taken. CIBIL also captures information on credit card bills payment.

      How does Standard Chartered Bank Personal Loan work, Here is the process

      Maximum Annual Percentage Rate (APR) 11% to 22.5%
      A representative example of the total cost of the loan, including all applicable fees
      Here is an illustration of the total cost of the loan:
      • Total amount borrowed: ₹ 1,00,000
      • Time period: 12 Months to 60 Months
      • Standard Chartered Bank Personal Loan Interest Rate: 10.50% to 22.00%
      • Processing Fee payable to Upto ₹ 2,500
      • Total Monthly Cost – From ₹ 2,149 for 60 Months ₹ 1,00,000 loan at 10.50% (lowest rate, longest time period) to ₹ 9,359 for 12 Months ₹ 1,00,000 loan at 22.00% (highest rate, shortest time period). This is inclusive of principal repayment.
      • Annual Percentage Rate (APR) of charge including all applicable fees: 11% to 22.5%
      • Total cost payable over loan tenure: ₹ 8,278 for 12 Months loan to ₹ 31,463 for 60 Months loan

      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 like a credit hungry individual. You 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 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 of 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?

      When you apply for a personal loan from Standard Chartered Bank Personal Loan, the documents required are an 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 searching for 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.

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

      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 finalizing the 6-month moratorium.

      ✅ 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.

      What is the Standard Chartered Bank personal loan customer care number?

      Contact 9878981166 for any queries.

      What are the Standard Chartered Bank Personal Loan pre-closure 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.

      ✅ What is the Standard Chartered Bank 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 Standard Chartered Bank 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 in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is maybe the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.

      Chartered Bank Personal Loan News

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