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  #1  
Old October 17th, 2017, 09:23 AM
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Default KVB Karur Vysya Bank

I want to apply for Personal Loan in Karur Vysya Bank KVB so can you please provide me the details of the program?
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  #2  
Old October 17th, 2017, 10:35 AM
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Default Re: KVB Karur Vysya Bank

The Karur Vysya Bank KVB offers Personal Loan (Secured/ Unsecured), designed to cater your daily personal needs and to meet out unforeseen exigencies.

Personal Loan

Their KVB – Personal Loan (Secured/ Unsecured) is so designed to cater your daily personal needs and to meet out unforeseen exigencies.

Features-

The loan is available for salaried employees of PSUs/ Reputed Institutions, Self employed individuals, All other individuals who provide full securities by covering the loan amount with NSCs, KVPs, IVP, RBI bonds, LIC policies, Bank deposits etc.

The loan is granted for personal purposes

A guarantor for a secured loan is not insisted upon. However, in case of salaried Individuals for an unsecured loan a colleague drawing the same salary should be used as a guarantor.

Maximum Repayment Tenor - 36 Months -EMI

Scheme ROI (floating) p.a.

Personal loan

- Secured One-year MCLR + 3.85%
- Unsecured One-year MCLR + 6.35%

Primary security - Demand Promissory note

Collateral security-

NSC/KVP/LIC Policies, 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 - 0.40% of the loan amount

Other Terms & Conditions-

The Net Take Home pay after deducting the proposed Loan Installments 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 installments and interest from the salary of the borrower in case of salaried employees shall be insisted on.

Contact-

Call helpline number :

1860 200 1916 (Within India)
(Local call charges applicable)
+91 044 - 30721916 (Outside India)
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