- To meet any genuine personal/domestic needs and not for speculative purposes.
- All confirmed teaching / non-teaching staff working in a school / college - drawing salary through our branches, with an undertaking letter from salary disbursing authority at District/Block level not to shift the salary account without NOC from the branch.
- Net take home after meeting the proposed EMI should be minimum 30% of the gross salary Or Rs. 10,000/- whichever is higher
- 10 months' gross salary or Rs. 3,00,000/- whichever is less.
- 1 % of the loan amount with a minimum of Rs.50/- .
- Upto 48 months.
- Suitable co-obligation