Personal Loan (Secured / Unsecured)

Our KVB - Personal Loan (Secured / Unsecured) is so designed to cater to personal needs and to meet out unforeseen exigencies.

Features and Benefits
  • This is a short-term, long-term loan.
  • The loan is granted for personal purposes.
  • Process is paperless, quick and convenient.
  • In principle sanction provided in 15 minutes subject to satisfaction of CIBIL and rating scores.
Charges and Limits
Quantum of Loan PL Unsecured Loan : Minimum Rs. 0.50 Lakhs Maximum Rs. 10 Lakhs.
PL Secured Loan : Minimum Rs. 0.50 Lakhs.
Margin NA
Maximum Repayment Tenor In Installments (EMI) or Bullet / Lump sum Payment at the end of the validity period.
In case of LIC Policies - Repayment under EMI up to 60 months.
Primary security Demand Promissory note
Collateral Security In case of Secured Loan: Government Bonds, Bank Deposits, Land & Building etc. Subject to the satisfaction of the bank.
Guarantee A suitable Guarantor with sufficient net worth, acceptable to the Bank (preferably spouse or family members or friends)
Processing Charges 1.00% of the loan requested amount.
Other Terms & Conditions
  • The Net Take Home pay after deducting the proposed Loan Instalments shall be at least 25% of gross pay.
  • Salary certificate is must to establish repayment capacity.
  • For Self Employed Individuals, IT returns to ensure income and repayment capacity.
  • Branches shall verify credit worthiness, integrity, local standing and repayment capacity of the borrower before entertaining the proposals under the Scheme.
  • An undertaking from the employer to deduct loan instalments and interest from the salary of the borrower in case of salaried employees shall be insisted on.
Interest Rate

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