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Loan Faqs
Faq

What would be the tenure of the loan ? :

Maximum tenure of the loan can be 7 years including moratorium period.
Faq

What is the maximum tenure of a personal loan? :

Personal loan is a short tenure loan. Most of the banks provide you loan for a minimum of one year to a maximum of five years.
Faq

Do I have the option of pre-paying the entire loan amount? :

Yes. One can pre-pay the loan any time after 6 months of availing of the loan. One merely has to pay a small prepayment fee on the outstanding loan amount.
Faq

Is there any Age criteria for taking an Education Loan ? :

Anyone in the age group of 16-35 years can take this loan.
Faq

Can I get a home loan for purchasing a home overseas? :

No, currently no financial institution provides loan for purchasing a house abroad.
Faq

Can I get another loan for further education? :

Second time Education Loan can be sanctioned to the same student borrower for completion of next higher course at the discretion of the Bank. A student who has taken the loan for a Bachelors degree can apply for another loan for the completion of Master's degree.
Faq

How is my loan eligibility determined? :

Loan eligibility differs from bank to bank. The main factor the bank considers is your ability to repay the loan. Your profile in terms of residence and the place you work is also taken into consideration. Do make sure to check all such other eligibilities before applying.
Faq

Can I prepay my loan? :

Yes, you can prepay the entire loan outstanding after paying 6 installments of availing the same. The Bank charges a prepayment penalty which varies from 2%-5 % paid at the time of preclosure (returning the money before the stipulated tenure of the loan). Prepayment charges as applicable would be...
Faq

What is a fixed rate loan? :

In a fixed rate loan the interest rate on the loan charged by the bank is constant over the tenure of the loan. You should go for a fixed rate only if you feel that the rate of interest prevailing in the market have touched rock bottom and the rates can only move upwards.
Faq

What is a Personal loan? :

Whenever you have an urgent need of cash, personal loan is the best way to take care of your cash crunch at a reasonable rate of interest. You don\'t have to give any security or collateral to the bank. Normally, the bank does not ask for guarantors either. Once you submit your application form...
Faq

What is the interest benefit that I get on the Educational Loan? :

Banks offer lower interest rates if you start repayment during the moratorium period. If you have opted for a floating rate loan, you cannot switch to a fixed rate option mid-course. However, you can transfer your loan from one bank to another, if you find a more attractive offer. Normally, one...



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