Nagarik Sahakari Bank Ltd., Bhiwandi offers *Personal Loan* facilities to meet the diverse personal financial needs of its customers. The scheme is designed to provide quick financial support with simple procedures and convenient repayment options.
Purpose of Loan:
► Medical and healthcare expenses
► Education and skill development
► Marriage and family functions
► Travel, consumer durables, or household needs
► Any other genuine personal requirement
Key Features:
► Attractive interest rates* with transparent terms
► Quick processing and easy documentation
► Flexible repayment tenure
► Loan amount based on income and repayment capacity
► Suitable for salaried and self-employed individuals
Eligibility:
► Salaried employees, professionals, self-employed persons, and business owners
► Stable income source and satisfactory credit history
► Age and income criteria as per Bank norms
Loan Amount & Margin:
► Loan amount determined on the basis of income, existing liabilities, and repayment ability
► Margin, if applicable, as per Bank policy
Repayment:
► Repayment through monthly EMIs
► Standing instructions, ECS, or salary deduction (where applicable)
► Repayment period as decided by the Bank
Security:
► Personal guarantee/surety acceptable to the Bank
► Additional security or guarantor, if required by the Bank
