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Loan & Advances

Kal Housing Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • Construction / Purchase / Repairing of Flat / Tenament / Raw House  / Bunglows.
    • The existing repayment obligation/s of the loan/s availed by the borrower will be added to the proposed Home Loan EMI for calculation of EMI / NMI Ratio. The said ratio must remain within the benchmark level as per the Bank’s below mentioned guidelines.
      Net Annual Income EMI / NMI Ratio
      Above Rs.1.20 Lacs and upto Rs.2.00 Lacs 40.00%
      Above Rs.2.00 and upto Rs.5.00 Lacs 50.00%
      Above Rs.5.00 Lacs and upto Rs.10.00 Lacs 55.00%
      Above Rs.10.00 Lacs 65.00%
  • Loan Amount : Max. Rs. 70.00 Lakh or 85 % of Sale Deed whichever is lower
  • Provision for SUBSIDY under Pradhan Mantri Awas Yojana in eligible cases

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Education Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For Domestic & Foreign Education.
  • Repayment Period : Max. 10 years
  • Avail benefits under PADHO PARDESH YOJANA

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Car Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For purchase a new car.
    • Individuals between -21- to -65- years of age
    • Permanent employees of Central / State Government, Central / State Government Boards, Public Sector Undertakings, Public or Private Companies or reputed establishments.
    • For salaried customers other than above mentioned categories, regular employee with minimum -3- years of service.
    • Professionals, Self-employed persons, Businessmen, Industrialists, & Farmers.
    • CIBIL score of the applicant should be more than 600.
  • Loan Amount :
    • 80 % of Quotation of Vehicles (Basic price + Insurance + R.T.O. charges)
  • Repayment Period : Max.  84 Months
  • No Processing Fees till 31-Mar-2022

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Kal Two Wheeler Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For purchase of Two Wheeler
    • Existing Customers / Borrowers of the Bank and Close relatives, Salaried Employees are eligible to apply for this loan
  • Loan Amount : Max. Rs. 5.00 Lakh
  • Repayment Period : Max. 60 Months

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Kal FD-OD

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For Higher Education, Courses approved by AICTE or Top Ranked Colleges / Universities.
  • Loan Amount :
    • Min. : Rs. 500.00 Lakh
    • Max. : No limit
  • Repayment Period : Till Fixed Deposit due.

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Loan Against Property

Rate of InterestDetails

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  • Purpose & Eligibility :
    • Business expansion / professional needs / marketing
    • Improvement/extension of existing property
    • Repayment of high interest bearing existing loans from other banks/FIs
    • Purchase of new Shop / Office / Go-down for business expansion
    • Working Capital needs
  • Loan Amount :
    • For Salaried : Min. Rs. 2.00 Lakh ; Max. Rs. 300.00 Lakh
    • For Business Class : Min. Rs. 5.00 Lakh ; Max. Rs.750.00 Lakh
  • Repayment Period : 7 years

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Personal Loan

Rate of InterestDetails

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  • Purpose & Eligibility :
    • For Personal need other than for the purpose of speculation,gambling and such undesired activities not encouraged by bank.
    • Loan Amount :
      • Min. : Rs.25000/-
      • Max. : Rs. 5 Lakh
    • Repayment Period : 12 to 60 months

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