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Loan & Advances

Kal Housing Loan

Rate of InterestDetails

8.00 % – 8.60 %

  • Purpose & Eligibility :
    • For construction of Bunglow/Tenaments
    • For purchase of ready build flat / Tenament/ Raw house
    • For repairing / renovation of flat / Tenament
    • 40% of Average monthly income be equivalent or less than proposed monthly Installment and interest after deduction of other loans EMI.
  • Loan Amount : Max. Rs. 70.00 Lakh or 80 % of Sale Deed whichever is lower
  • Repayment Period : 20 years
  • Provision for SUBSIDY under Pradhan Mantri Awas Yojana in eligible cases

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Education Loan

Rate of InterestDetails

8.75 % – 8.90 %

  • Purpose & Eligibility :
    • For Higher Education, Courses approved by AICTE or Top Ranked Colleges / Universities.
  • Loan Amount :
    • Domestic Education Loan : Rs. 10.00 Lakh for
    • International Education Loan : Rs. 30.00 Lakh for
  • Repayment Period : Max. 10 years
  • Avail benefits under PADHO PARDESH YOJANA

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Car Loan

Rate of InterestDetails

8.70 % – 8.95 %

  • Purpose & Eligibility :
    • For purchase a new car.
  • Loan Amount :
    • 80 % of Quotation of Vehicles
  • Repayment Period : Max.  84 Months
  • No Processing Fees till 31-Mar-2020

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Kal Two Wheeler Loan

Rate of InterestDetails

9.75 % – 10.75 %

  • 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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Housing Loan to Allottees of GHB/AMC

Rate of InterestDetails

8.00 % – 8.60 %

  • Loan Amount & Margin :
    • 80 % of [Sale Deed + Stamp Duty, Registration Charges, GST, Property Insurance]
    • As maximum Housing Loan amount subject to total exposure not exceeding Rs. 70.00 Lakh per dwelling unit.

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Kal FD-OD

Rate of InterestDetails

Same Party / Own Funds :Fixed Deposit Rate + 1.00%

Third Party :FD Int. Rate + 2.00%

  • 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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Unsecured Loan – Salaried

Rate of InterestDetails

13.00 %

  • Purpose & Eligibility :
    • Salaried employees of the Borrowers / Customers of our Bank / various organizations like PSU Companies, Universities, Govt.School / Semi Govt. Dept.
      • Employer agrees to provide their personal guarantee for Unsecured Loan.
      • Borrower agrees to debit mandate from Bank / NACH mandate from his/her salary account.
  • Loan Amount :
    • Max. Rs. 5 Lakh
  • Repayment Period :

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Loan Against Property

Rate of InterestDetails

10.00 % – 11.50 %

  • 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

11.00 % – 12.00 %

  • 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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Premium Current Account

Rate of InterestFacilities

N.A.

  • Quarterly Average Balance Rs.1,50,000/-
  • Services :
    • Free Mobile Banking
    • Free Internet Banking
    • Free SMS Service
    • Free E-Statement
    • Free Chequebook
    • No RTGS – NEFT Charges
    • No MICR/CTS Charges
    • No Folio Charges
    • No Outward return charges
  • Personal Accident Insurance coverage of Rs. 5 Lakh.
  • 50% concession processing charges in relating to Retail Loan.

 

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