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भारतीय रिजर्व बैंक / एलआईसी नीतियों के एनएससी / केवीपी / राहत बांडों के खिलाफ ऋण / ओडी

भारतीय रिजर्व बैंक / एलआईसी नीतियों के एनएससी / केवीपी / राहत बांडों के खिलाफ ऋण / ओडी

Target groups All properly introduced customers (including all Staff Members, VRS/ Retired staff, Corporate / reputed partnership firms), whose capacity to service the loan and interest are appraised

This facility may be sanctioned either as Term Loan or OD against said securities under this SLP

Age Minimum entry Age 18 years.
Purpose For any permitted bankable purposes such as Trade, Housing, Profession,
Personal consumption and educational purposes etc
Quantum of Loan Term Loan:

Minimum Rs.10000/- subject to prescribed margins with no upper ceiling.

OD Facility:

Minimum limit Rs.200000/- subject to prescribed margins throughout the tenor of the loan with no upper ceiling.

Margin Loan /Overdraft against Own NSC/KVP/LIC Policy/RBI relief Bonds-25 %.

Loan against NSC/KVP/LIC Policy/RBI relief Bonds, availed by entities other than individuals -50 %.

Rate of Interest Click here
Processing fee Click here
Repayment Not exceeding :

  • 5 years OR till the date of maturity of the instrument, whichever is earlier – in the case of NSC/Relief bonds
  • 6 years OR till the date of maturity of the Policy, whichever is earlier in the case of Advance against LICs
Security Creation of appropriate charges on the Securities in the name of Applicant / Borrowers:

  • Lien on NSC – Post Office Lien marking charges to be recovered
  • LIC:  Assignment of LIC Policy in Bank’s favour.
  • Relief Bonds: Transfer of bonds in Bank’s favour

Loan Against Money back Policy is not permitted under this scheme.

Documents to be submitted for processing the application 1. Salary Certificate / IT Return copy for assessing the capacity to service the interest / installment.
2. Original NSC / KVP/ RBI Relief Bond / LIC Policy.

( अंतिम संशोधन May 21, 2021 at 06:05:55 PM )

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