Benefits

Objective

Personal Loan Scheme for LIC employees

Purpose

To meet all types of personal needs.

Eligibility

All Confirmed/ permanent employees of Life Insurance Corporation of India (LIC) with minimum 1 years of service.

Quantum Of Finance

Up to 24 times of Gross Monthly Salary with a maximum of Rs.20.00 Lakh depending upon the repaying capacity

Margin

Nil

Security

Nil security if salary credited in account is more than Rs. 75000/- per month in last 3 months.

In all other cases - Suitable third party guarantee acceptable to the Bank.

Repayment (Maximum)

The entire loan (principal & interest) shall be repaid within remaining period of service or in maximum 72 (Seventy two)

Prepayment Charges

Nil

Rate Of Interest

  • Criteria
  • Rate of Interest
  • LIC employees having salary account with us
  • RLLR +BSP
  • LIC employees not having salary account with us
  • RLLR +BSP +0.50%

Processing Charges/ Upfront Fee

Nil

Documentation Charges

Nil

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