Standard Chartered Bank Personal Loan
 

 

Need cash for expanding your business, designing your dream home, giving your children the best education, making your daughters wedding the talk of town, taking that dream vacation with your loved ones, the latest PC for your child - all this and more made possible through Standard Chartered Personal Loans. With exciting schemes, easy repayment options and competitive interest rates, Standard Chartered Personal Loan is a hassle free experience. When the need comes knocking, you can be sure that there will be money to welcome it!

   
  Loan Processing Charges(For new loans only, Not aplicable for top up loans) :- 2.00% of loan amount Documentation charges up to Rs. 1,500 + Service Tax as applicable.
  EMI Bounce Charges on first bounce:- Rs. 350 + Service Tax as applicable.
  EMI Bounce Charges on second bounce:- Rs. 500 + Service Tax as applicable.
 

Swap charges:- Rs.500 per instance + Service Tax as applicable .

   
  The above rates are purely indicative. The actual rates that you can get from the bank depend on various factors like income, company profile, turnover, repayment history, qualification and negotiating power etc.
   
 
Eligibility...

Salaried EmployeesSalaried doctors, CAs, employees of select MNCs, public and private limited

companies, government sector employees including public sector undertakings and central and local

bodies:

Minimum age of applicant: 21 years

Maximum age of applicant at loan maturity: 60 years

Minimum Employment: Minimum 1 year of cumulative experience for both salaried \

individual/professional. Salaried Doctors require 3 years of cumulative experience

Minimum Net Monthly Income: Rs 15,000 per month

Maximum loan available: Rs 10 lacs

Special Offer for employees of select companies

 

Self-employed DoctorsSelf-employed doctors include self-employed MBBS or BDS and doctors with higher qualification :

Minimum age of applicant: 24 years to 65 years at the time of loan maturity

Experience (doctors): 2 years continuous employment

Minimum annual income : Rs 2.40 lacs per annum gross receipts (Rs 1.80 lacs per annum for

select locations)

Maximum loan available: Rs 20 lacs for self employed doctors

Special scheme for Self Employed doctors

 

 
Special Features & Documentation...
 

Here are some of the features of the personal loan you can avail of:

A variety of loans available to Salaried and Self Employed Individuals

Loan Amount available

Upto Rs 30 Lacs for salaried

Upto Rs 10 Lacs for Self Employed

Competitive Interest Rates

No Securities, Collaterals or Guarantors required

Repayment Options varying from ECS, PDCs or Account Debits

Easy documentation and quick processing

If you have a Personal Loan with Standard Chartered Bank, top it up with ease

 

Identity proof :

Passport, Photo Pan card, Driving License, Votes ID Card, Photo Ration Card

Residence proof :

Passport, Telephone Bill, Ration Card, Electricity Bill, Driving License, Life/Medical

Insurance policy, Rental Agreement, Apartment Allotment Letter

 
 
FAQ...
Q. What are the minimum and maximum loan amounts?

You can avail of loans ranging from Rs50,000/- to Rs 30,00,000/- depending on your eligibility,

income and repayment capacity.

 

Q. What are the loan tenure options?

The loan can be repaid over a period of 12 to 60 months tenors are only available for select profile of

customers.

 

Q. Are there any additional charges?

A processing fee of a maximum of 2% of the loan amounts and requisite documentation charges is

payable upfront. This fee will be deducted from the Loan amount at the time of disbursal.

 

Q. How much time will it take for my loan to be approved?

Your loan will be disbursed within 4-7 working days post receipt of the required documents.

 

Q. Do I have to provide any security, collateral or guarantors?

No security, collateral or guarantors are required for obtaining a Personal Loan.

 

Q. What is EMI?

EMI stands for Equated Monthly Installments. This installment comprises both principal and interest

components.

 

Q. How do I repay the loan?

You can repay the loan in Equated Monthly Installments (EMI's) using the ECS facility, post-dated

cheques favouring Standard Chartered Bank or a direct account debit (only for Standard Chartered

Bank Account holders)

 

Q. Can I prepay my loan?

You can pre-pay your loan with preclosure charges of 5% anytime after completion of six EMIs by giving

the bank a 21 day notice.

 

Q. Do I need to open an account with Standard Chartered Bank for availing and/or servicing the

loan?

We will encourage you to start a banking relationship with us so that we will be able to offer a host of

other value added services, which are complementary to the loan, however opening an account with us

is not mandatory.

 

Q. Do I get special privileges as a Standard Chartered Customer?

As a Standard Chartered Customer, you will be offered special interest rates, asked for minimal

documentation and your application will be processed on priority.

 
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   Latest News
 
What Are Some Advantages of Unsecured Business Loans?

If you've been in the process of starting up your own business, or are helping someone do so, then you must know that the biggest factor that determines whether or not that business succeeds is not its marketing nor is it the sales people and it certainly isn't whether or not the website is cutting edge.

The one factor upon which your hopes and dreams rest, the one thing that determines whether or not your business will succeed is cash flow. That is, the ability to maintain enough cash in the business to pay for expenses, such as equipment, overhead such as lighting, rent and heat, and of course, to pay the owner. After all, it is why you started your business in the first place right? With this in mind, you may want to consider unsecured business loans to aid in cash flow.

That said, there are times, especially when your business is just starting out, where you will need more cash than you have on hand. Here again, unsecured business loans can be of great help. But have you stopped to consider some of the advantages?
August 4, 2010
 
 
 
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