They are Personal loan and Quick Loan. We have introduced a facility for the customer to schedule his money transfer within IOB multiple times for a specified date every month Dear Customer, Internet Banking services are planned for scheduled technical maintenance on Saturday (23.01.2021) between 5AM and 5.30AM. The bank offers various banking and financial services such as investments, deposit accounts, credit cards, debit cards, loans, etc. For salaried person, the take home pay is at least 40% of the gross salary after taking into account the installment for the present loan. 204 for every lakh in the loan amount as processing fees and no hidden charges makes Indian Overseas Bank personal loans a prospective and viable option for borrowing for your urgent financial requirements. Credit Score and analysis that are provided as part of your credit profile are powered by Equifax™, Sign-up and get Credit Insights delivered directly to your inbox. Maximum loan amount is Rs.10 lakh. LIC agents are also eligible to apply for the loan subject to conditions. We achieve this with a cutting edge combination of data science and technology that ensures that both lenders and borrowers have a transparent common platform to make their decisions. A Government Office DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. CreditMantri shall not be in any manner whatsoever, be held responsible for any reliance on the same. Vidya Jyoti Education Loan Scheme. We make it easy for you to browse through and compare the various financial products on offer on the market; access our free and user-friendly online tools; and finally, enjoy a stress-free application process with quick approvals. MUDRA Loan Application. 2 crores. Vehicle should be insured for the full value with the bank clause Application form, Salary certificate of applicant and guarantor with deduction particulars, undertaking letter from employer to deduct monthly installment and recover the dues from terminal benefit in case of necessity. Are there any other charges? Indian Overseas Bank offers personal loans of more than Rs. Undertaking letter from the employer undertaking to deduct from salary, loan installment every month and remit to bank to be produced. Income tax assessment order or return with ITO acknowledgement for Professionals etc. You are allowed to pay more than the EMI if you wish to, and we do not charge any prepayment penalty. This instalment comprises both principal and interest components. Does ICICI bank allow partial prepayment of personal loan? You have the option to avail the loan with either a fixed interest rate or a floating one. Yes, your spouse's income can be included provided he/she guarantees the loan or the loan is taken jointly. can be fulfilled using the personal loans offered by Indian Overseas Bank. Indian Overseas Bank home loan EMI calculator is an online tool, which is also available at Paisabazaar.com. How does Indian Overseas Bank Personal loan compare with those offered by other banks? Product name, logo, brands, and other trademarks featured or referred to within Credit Mantri are the property of their respective trademark holders. How to Apply for Indian Overseas Bank Two-Wheeler Loan? We help you avoid loan rejection by carefully determining your eligibility and matching you with the right lender/product. 204 for every lakh in the loan amount as processing fee for Personal loan. 60,000/- whichever is lower Can I get a personal loan without a salary slip? There is Rs. EMI stands for Equated Monthly Instalments. Valuation certificate from two reputed auto dealers - for used car Retail Credit Interest Rates . We'd love to help you through every step along the way. Apply Online or Get Instant Approval. Indian Overseas Bank (IOB) offers car loans for new and used cars at interest rates ranging between 9.15% p.a. Indian Overseas Bank a major public sector bank established on 10 th February 1937. A 750+ credit score can increase your credit approval chances, Get low interest loans & Lifetime FREE credit cards. No Pre payment charges. Indian Overseas Bank, is the only bank of Indian origin providing banking services in the Royal Kingdom of Thailand since 23rd December 1947. How much personal loan can I get on my salary? Product name, logo, brands, and other trademarks featured or referred to within Credit Mantri are the property of their respective trademark holders. How to Apply for a Personal Loan in Axis Bank? Credit Cards Debit Cards. Repayment ; 10% on Life policies (surrender value) of LIC of India and other private insurance companies. account at the branch where the loan is sanctioned. You can either apply online or visit the nearest Indian Overseas Bank loan centre for a personal loan. Processing Charges (Click here) Retail Credit Interest Rates (Click here) You can either apply online or visit the nearest Indian Overseas Bank loan centre for a personal loan. Repayment. However, the quantum of loan, rate of interest and the processing charges depends on the scheme one has opted for. Used Car: Upto 75% of the market value of the car For buying a new or used car (not more than 5 years old) or new two-wheeler, Used Car: Upto 75% of the market value of the car, New Two-wheeler: 90% of the cost of the vehicle or 10 times the gross monthly income or Rs. An application form All written queries will be responded within 1 working day. Indian Overseas Bank Home Loan EMI Calculator helps users know the approximate value of the loan instalments that they need to pay monthly for servicing their home loans. The Bangkok branch of IOB is as old as Independent India and has completed 6 glorious decades of banking services in Thailand. book 3. 75 lakhs. The employee should have a S.B. The total monthly income of the applicant including that of spouse and other income should be not less than Rs. Note: The mentioned interest rates, fees and charges are subject to change and depend on the sole discretion of the bank, NBFC and RBI. IOB personal loan rates start at just around 13.55%; however, you need to provide the bank with a guarantor. IOB SURAKSHA - Now buy Accidental Death Insurance (1) PLAN 'A' - Coverage of Rs.5 Lakhs at an annual premium of Rs.100 + GST & (2) PLAN 'B' - Coverage of Rs.10 Lakhs at an annual premium of Rs.200 + GST through IOB Net Banking under UTILITY PAYMENT/RECEIPTS -- IOB Suraksha. Salary of the employee should be routed through the S.B. Pushpaka Loan Scheme Application Form (Click here). 8. It is one of the most preferred bank in India by all kinds of people for any financial service. 10 times of the gross salary or 90% of the cost of article whichever is less, but not to exceed Rs. Get instant notifications from CreditMantri, You can manage them anytime using browser settings, Door No.3, Block B, No. Indian Overseas Bank provides attractive interest rates on personal loans when compared to other lenders. Apply For Credit Cards. New Car: Repayable in 84 equated monthly installments Indian Overseas Bank education loan covers a range of programmes and disciplines offered by different educational institutions of India. How do I get a personal loan from HDFC bank? It can be availed by both salaried and self-employed individuals … How can I apply for the Indian Overseas Bank personal loan? Some of the information presented on this website has been collated from publicly available sources. 4. Maximum Repayable is 60 equated monthly installments without holiday period. Download the application They are “Vidya Jyothi” and “Vidya Jyothi Suraksha”. With an Indian Overseas Bank personal loan, you can choose between fixed rates of interest and floating interest rates. account in the branch from where the loan is proposed to be availed. How to Get a Personal Loan from ICICI Bank? Less documentation required. The processing fees charged by the IOB bank are 1.01% to 1.10% of the total loan … The Indian Overseas Bank (IOB) provides high-value loans at subsidized rates for studies in both India and Abroad. NEAS 2019. A Self-employed Professional Do I have to pledge some form of security? Documents Indian Overseas Bank Personal Loans Overview. In confirmed service with a take home pay of more than 50% of the gross salary, after PF and Insurance deductions New Car: Upto 90% of the cost of the car CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. The loan can be applied for in the name of the firm or company. 2. book, Vehicle should be insured for the full value with the bank clause, Salary certificate, IT return or assessment order as a proof of income, Quotation/proforma invoice - for a new car/ new two-wheeler, Valuation certificate from two reputed auto dealers - for used car, Pushpaka Loan Scheme Application Form (Click here), ©Copyright/ Indian Overseas Bank - 2010 - 2020     |     Best viewed at IE 11. Indian Overseas Bank Education Loan: Apply Online for Indian Overseas Bank Education Loan Interest Rate @10.25% in 18 January 2021 Check Eligibility Quick & Easy Processing at creditmantri.com Last Updated on 05.01.2021. Can you get a personal loan if you have bad credit or no credit? Our dedicated and best-in-class customer service will go the extra mile (or two) to support you on every step of your credit journey. Bank will not verify the purpose declared. Which app/bank offers instant personal loans at the lowest interest rates? December 1947 income should be routed through the S.B to apply for Indian Overseas Base... Of Indian origin providing banking services in the case of loan for meeting social financial commitments such as the,. The Bangkok branch of iob is also the first-ever Bank that ventured into personal financing for calculating loan... With lowest EMI/lakh of Rs.2,212 by Indian Overseas Bank loan centre for a personal loan, this has. One is the most preferred Bank by all kinds of people for any reliance on the Analysis we... Is as old as Independent India and has completed 6 glorious decades of banking services in the case loan. 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