Purpose : To meet any genuine need.
Eligibility : 15 times of net salary. Confirmed employees of well known PSU’s/Limited Co./Central/State Govt/Reputed firms/schools & colleges etc., drawing gross salary of Rs.15,000/- & net salary of not less than Rs.10,000/-
Loan Amount : Max. Rs.5.00 lacs (Secured) Rate of
Rate of Interest : 16%p.a.
Tenure : Max 60 months. Payable in EMI
Security : 1. hypothecation of assets purchased/existing & Collateral Securities like Pledge of FDR/NSC/LIC Policies etc.
2. Two personal sureties having net salary of Rs. 10,000/- p.m. & acceptable to Bank
Processing Fees : 1% +GST
Other Conditions : Undertaking by Employer under Section – 49 of MSC act for direct deduction of loan installments. Take home salary should be min. 40% of gross salary. No pre payment charges.

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