https://www.kalupurbank.com/
Nature of facility is Term Loan (EMI Only).
Basically this product is launched for following groups :
- Existing Customers :
- Associated with our Bank for last 3 years.
- Having satisfactory banking relationship
- CIBIL Score 650 & above
- New Customers :
- Existing Borrowers or Depositors associated with our Bank for last 3 years and CIBIL Score 750 & above.
- Any Borrowers or Depositors of other Bank, who are having satisfactory dealing with their existing bank and CIBIL Score 750 & above.
- Loan For :
- Personal needs 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
- Nature of Facility :
- Term Loan (EMI Only)
- EMI/NMI Ratio :
- 50 % Average income of last 2 years
- No Deviation in EMI/NMI ration will be allowed
- Margin : NIL
- Tenure : 12 to 60 months
- Share Linking : 2 % of loan amount
- Personal Guarantee :
- Applicant having CIBIL Score of 700 & above , Guarantor having CIBIL Score -1 or 0 will be accepted.
- Need to provide ITR for last 2 years and income is satisfactory.
- Processing fees : Click Here
- Any Salaried persons / Professional /Self Employed /Businessmen :
- Having min. 3 years of service
- Having salary income /ITR for last 2 years
- No deviation for CIBIL Score (for both Existing & New customers) to be allowed.
- Age Limit : 21 – 65 years
- For salaried : 3 years before retirement
For Applicant :
- 2 Copies of Pan Card & Aadhaar Card
- Address Proof (Any 2 from Latest Light Bill & Tax Bill, Election Card,Driving License / Passport )
- 5 passport size photographs
- Income Proof for Salaried :
- Last 3 Year I T return with computation of Total Income
- Last 1 year Bank Statement
- Last 3 months Salary Slip
- Income Proof for Businessman :
- Last 3 Year I T return with Statement of Income, P&L & Balance Sheet
- Business Proof like Gumasta, Professional Tax, GST Certificate, Partnership Deed, Drug License, Other Proof
- Bank Statement for Current Account
For Guarantors: (Two Guarantors)
- Copy of PAN Card
- Copy of Address Proof
- 3 Passport Size photographs
- Income Proof for Salaried :
- Last 3 years I T return with computation of Total Income
- Last 1 year Bank Statement
- Last 3 months Salary Slip
- Income Proof for Businessman :
- Last 3 years I T return with Statement of Income, P&L & Balance Sheet
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