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Personal loans are designed to fulfil the personal dreams and wishes of the applicant or to pay during an emergency. Therefore, Standard Chartered Personal Loan is for such individuals seeking finance to fund their personal expenses.
Standard Chartered Bank Personal Loan is excellent for those who require large amount loan to meet their personal expenses as it offers loan up to Rs 30 Lakhs for the period up to 5 years at an interest rate starting at 11.99% p.a. Be it a dream holiday, marriage, renovation of home, child's education, or buying the latest gadgets, Standard Chartered Personal Loan can fulfill all the dreams as well as needs. The bank has simplified the process of loan by providing the feature of the online application, so that the applicant may know that if he is eligible for loan or not.
Standard Chartered offers flexible repayment tenure up to 60 months so that one can pay EMI in small ratios also, which will not affect the other day-to-day financial requirements.
Standard Chartered Personal Loan provides easy loan within 4-7 days with interest 11.99% p.a. onwards. Below table gives the complete details of Personal Loan.
Standard Chartered Personal Loan | Details |
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Loan Category: | Personal Loan |
Loans Offering: | Personal Loan, Holiday Loan, Medical Loan, Home Renovation Loan |
Loan Type: | Unsecured personal loan |
Interest Rate: | 11.99% p.a. onwards |
Processing Fee: | Upto 3% + applicable tax |
Approval Process: | Both online and offline |
Minimum Income Requirement: | ₹20,000 |
Loan Approval Timing: | 4-7 days |
Minimum Loan Amount: | ₹1 Lakh |
Maximum Loan Amount: | ₹30 Lakh |
Minimum Loan Period: | 12 months/ 1 year |
Maximum Loan Period: | 60 months/5 years |
Type of Interest Rate: | Fixed interest |
Interest Charging Method: | Reducing balance method |
There are eligibility criteria set by Standard Chartered Bank for their personal loan:
Standard Chartered Personal Loan | Details |
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Salaried Employees | Yes |
Salaried Doctors | Yes |
Employees of public and private limited companies | Yes |
Government sector employees including Public Sector Undertakings, Central and Local bodies | Yes |
Loan for Pensioners | No |
Loan for Existing Customers | Yes |
Self-Employed | Yes |
Selected Corporate | No |
Other Criteria | NA |
Minimum Age | 23 years |
Maximum Age | 58 years at the maturity of loan |
Minimum Income Requirement | ₹20,000 |
Standard Chartered Bank offers the following products and services:
Standard Chartered Bank Personal Loan gets instant approval when applied online. The loan is available for salaried as well as self-employed individuals to accomplish their personal needs. Person can buy any gadget, travel to a dream destination, renovate a house without providing any collateral security. The loan is available for 60 months at an interest rate starting 11.99% p.a.
An emergency can knock door any time without providing any prior notice, and for that, you should be ready. So, when you need funds for your medical expenses, you can take a personal loan from Standard Chartered Bank for the amount ranging in between Rs 1 Lac to Rs 30 Lac.
Standard Chartered Bank personal loan is available at low-interest rates without providing any security or guarantor. The loan helps to handle all the expenses including flight tickets, staying and food expenses, etc. so that you can enjoy your travelling with no worry.
Any individual who is existing personal loan customer can apply for top-up and the amount is provided on his/her credit score, regular EMI payment, etc.
Standard Chartered Personal Loan offer various services, please find below the list of features offered by the vendor.
Standard Chartered Personal Loan | Details |
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Personal Loan | Yes |
Wedding Loan | No |
Education Loan | No |
Home Renovation Loan | Yes |
Two Wheeler Loan | No |
New Car Loan | No |
Used Car Loan | No |
Travel Loan | Yes |
Medical Loan | Yes |
Top Up Loan | Yes |
Here is the detail charge list for Standard Chartered Personal Loan process. We have covered all possible charges for your loan requirements for clear visibility on Standard Chartered Personal Loan processing.
Standard Chartered Personal Loan | Details |
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Co-Applicant Allow | No |
Income Criteria | Yes |
Collateral Requirement | No |
Pre Approved Credit Limit | NA |
Foreclouser Charges | Nil |
Loan Foreclouser Conditions | NA |
Bounce Charges | NA |
Bounce Charges Self Employed | NA |
Late Payment Penalty | NA |
Duplicate NOC Charges | NA |
Stamp Duty Charges | Applicable as per the respective State's Stamp Act |
Instrument Swapping Charges | NA |
Loan Cancellation Charges | NA |
Stamp Duty Charges | Applicable as per the respective State's Stamp Act |
Loan Rebooking Charges | NA |
Statement Of Account Charges | NA |
Duplicate Repayment Schedule | NA |
EMI Payment Mode | Standing Instruction (SI), Electronic Clearing Service, Post-dated cheque |
Overdue Payment Mode | NA |
Hidden Charges | NA |
In this section we have listed all important links related to Standard Chartered Personal Loan.
Standard Chartered Personal Loan | Details |
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Banks | NA |
Charges Information | NA |
Personal Loan Eligibility Calculator Link | NA |
Personal Loan EMI Calculator Link | Personal Loan EMI Calculator Link |
Education Loan EMI Calculator Link | NA |
Car Loan EMI Calculator Link | NA |
Product Demo Link | NA |
Website Link | Website Link |
Android App Downlaod Link | Android Mobile App Download |
iOS App Downlaod Link | iOS Mobile App Downlaod |
For new customers:
For existing customers:
Please find below the list of documents required to avail personal loan. Aadhar, PAN and Income Proof are the most important documents, other documents are optional. The complete list of documents you can keep ready for your loan application.
Standard Chartered Personal Loan | Details |
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Age Proof | Copy of Passport/Driving License/Aadhar Card |
Address Proof | Copy of Passport/Driving License/Aadhar Card/Voter ID/Ration Card |
Identity Proof | Registered Rent Agreement/Utility Bills last 3 months/Copy of Passport/Copy of Ration card |
Income Proof for Salaried Emp | Salary slip of last 3-6 months, ITR or Form 16, 6 month bank statement |
Income Proof for Self Emp | IT returns for the last 2 years along with audited balance sheet, P&L account statement for 2 years |
Last Updated on 2021-01-07T11:48:07+00:00