Eligibility:
- Age above 23 years
- Minimum net monthly income - Rs 20,000/-
- Permanent employment with a central or state government institution or a profit making company or a reputed organization
- Total work experience 2 years and above.
Benifits:
- Loans are tenable in a wide range i.e. 50 thousand and 15 lacs
- Easy and simple documentation
- Flexible repayment options which can stretch between 12 and 60 months.
Fees & Charges:
- Loans are tenable in a wide range i.e. 50 thousand and 15 Lacs
- Loan processing charges : Upto 2.5% of the loan amount subject to a minimum of Rs .1250/-
- Prepayment:6 EMIs
- Prepayment charges : 4% of the principal outstanding after repayment of 6 EMIs
- No Due Certificate / No Objection Certificate (NOC) : Rs. 250/-
- Duplicate no due certificate / NOC:Rs. 250/-
- Solvency certificate : Not applicable
- Charges for late payment of EMI:@ 24 % p.a on amount outstanding from date of default
- Stamp duty & other statutory charges : As per applicable laws of the state
- Credit assessment charges : Not applicable
- Non standard repayment charges : Not applicable
- Cheque swapping charges : Rs 500/- per event
- Loan cancellation charges : Not applicable
- Cheque bounce charges : Rs. 500/- Per cheque
- Legal /Incidental charges : At actual
- Part payment.
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