Bank of Baroda Personal Loan
| Bank Link | http://www.bankofbaroda.com/pfs/familyloans_more.asp |
| Loan Amount | Minimum : Rs. 20000 and Maximum of Rs. 2,00,000 (Subject to condition) |
| Interest Rate | 16.75% |
| Tenure | Up to 36 months (maximum) |
| Pre Payment Charges | No pre-payment charges. However, penalty of 2% on overdue amount |
Service Charges
Processing Fee: 2% of the Loan amount or a Minimum of Rs. 250/-
Other Charges
For borrower under priority sector - NIL
Others - Rs.50/- per occasion (Rural Branches Rs.10/- per occasion)
Upto Rs.5/- lacs ---- Rs.500/-
Above Rs.5/-lac--- Rs.100/- per lac & part thereof subject to maximum of Rs.15,000/-
Charges for late payment of EMI: 2% p.a. on overdue amount for overdue period. In addition to above, Service Tax as applicable from time to time shall be levied.
| Self | |
|---|---|
| Minimum Age (in yrs.) | No Age Criteria Provided |
| Minimum Income (in Rs.) | Income Criteria Not Available |
| Minimum Work Experience (yrs.) | stable business (minimum 1-year);insurance business for the last -5- years |
| Residence Status (yrs.) | Bank Account Statement/ Latest Electricity Bill/ Latest Telephone Bill/ Latest Credit Card Bill/ Employers letter certifying current mailing address/Passport(Valid)- provided the passport address is present address mentioned in application form / Existing Registered House Lease/ Government I-card with photo and address/ Ration Card/ Latest Property Tax / Water Tax bill. |
| Id Proof | Any One-Govt. I Card/ Passport Copy/ Voters ID card/ Driving Licence/Copy of PAN Card |
| Address Proof | Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate |
| DOB Proof | Birth Certificate or 10th Class Passing Certificate |
| Salaried | |
|---|---|
| Minimum Age (in yrs.) | No Age Criteria Provided |
| Minimum Income (in Rs.) | Income Criteria Not Available |
| Minimum Work Experience (yrs.) | Permanent confirmed employees (minimum 1 year service) |
| Residence Status (yrs.) | Bank Account Statement/ Latest Electricity Bill/ Latest Telephone Bill/ Latest Credit Card Bill/ Employers letter certifying current mailing address/Passport(Valid)- provided the passport address is present address mentioned in application form / Existing Registered House Lease/ Government I-card with photo and address/ Ration Card/ Latest Property Tax / Water Tax bill. |
| Id Proof | Any One-Govt. I Card/ Passport Copy/ Voters ID card/ Driving Licence/Copy of PAN Card |
| Address Proof | Ration card Tel/Elect. Bill/ Rental agr. / Passport copy/Trade licence /Est./Sales Tax certificate |
| DOB Proof | Birth Certificate or 10th Class Passing Certificate |
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