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Punjab under the British especially after annexation in 1849 witnessed a period of rapid development giving rise to a new educated class fired with a desire for freedom from the yoke of slavery.
Amongst the cherished desires of this new class was also an overriding ambition to start a Swadeshi Bank with Indian Capital and management representing all sections of the Indian community. The idea was first mooted by Rai Mool Raj of Arya Samaj who, as reported by Lala Lajpat Rai, had long cherished the idea that Indians should have a national bank of their own.
He felt keenly “the fact that the Indian capital was being used to run English banks and companies, the profits accruing from which went entirely to the Britishers whilst Indians had to contend themselves with a small interest on their own capital”.
At the instance of Rai Mool Raj, Lala Lajpat Rai sent round a circular to selected friends insisting on an Indian Joint Stock Bank as the first special step in constructive Swadeshi. Lala Harkrishan Lal who had returned from England with ideas regarding commerce and industry, was eager to give them practical shape.
Personal Loan Scheme For Public
To make available Financial Assistance to the salaried for their personal needs. To meet all types of personal needs (e.g., for medical treatment of self or a family member, marriage of self, son/daughter, defraying expenses on education of wards, expenses for domestic or foreign travel etc.)
i. Drawing salary from our Bank:
All Confirmed/ permanent employees of Central/ State Govt./ PSUs minimum 2 years of service, including service with the previous employer(s), if any, all reputed* companies/Institutions including Schools, Colleges, Universities, autonomous bodies, Hospitals,/Nursing Homes who are drawing their salary through accounts maintained with our branches.
ii. Check-off facility:
Others minimum 3 years of service, including service with the previous employer(s), if any.
Up to 24 times of Gross Monthly Salary with a maximum of Rs.20.00 Lakh depending upon the repaying capacity.*
The entire loan (principal & interest) shall be repaid within the remaining period of service or in a maximum 72 (Seventy-Two) equated monthly installments (EMIs) whichever is earlier. Repayment to start one month after the disbursement of the loan.
The Overdraft Limit shall be adjusted within the remaining period of service or in a maximum period of 72 months by reducing Drawing Power (DP) equivalent to EMI amount at the beginning of every month.
Personal loans allowed to Defence Personnel including officials of Military Station Headquarters, Border Security Force, Central Reserve Police Force, Central Industrial Security Force, Indo Tibet Border Police etc. shall be Repayable in maximum 60 equated monthly installments.
PERSONAL LOAN SCHEME FOR SELF-EMPLOYED
To make available Financial Assistance to self-employed for their personal needs.
For personal use.
The scheme is applicable to professional and initially scheme shall be applicable to CA/CS, Data Analysts, Architect/ Valuers, LIC Agents, Engineers, Software Developers and Financial Consultants only
Individual only – Professionals having minimum gross annual income (GAI) of Rs. 6.00 lakh for the last two years and also having minimum CIC score of 750 and above.
Maintaining his/her Saving Fund/ Current Account satisfactorily with us for the last 2 years with minimum annual credit transactions in all saving/ current accounts of the customer in our bank/ other banks, in similar capacity, amounting to Rs5.00 lac in the previous financial year
Quantum Of Finance
10 times of average Gross monthly income of last two years with a maximum of Rs.5.00 Lakh*
Margin – NIL
Suitable third-party guarantee, other than a close relative, acceptable to the Bank, having the minimum gross annual income (GAI) of Rs. 6.00 lakh for the last two years. CIC score of the guarantor will be a minimum 650
Maximum 60 EMIs or up to 65 years of age whichever is earlier
The above are only salient features of the scheme. For details please contact nearest branch
Loan amount will also depend on the maximum permissible deduction permitted under the scheme.
The scheme is applicable in Metro and Urban branches (initially in metro Branches only) only.
Visit the official website “CLICK HERE”
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