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Personal Banking- ADVANCES |
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Deposits |
Advances |
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Sbbj Home Loan |
Sbbj Realty |
Housing Loan For Rajasthan Govt. Employees |
Housing
Loan Scheme For Nris |
Earnest Money Deposit Scheme For Purchase Of Land/House
Sbbj Car Loan
Scheme |
Vishesh Vahan Yojna For Rajasthan Govt. Employees |
Sbbj
Education Loan Scheme |
Sbbj
Mortgage Loan Scheme |
Sbbj Personal Loan Scheme
Sbbj Two Wheeler Loan
Scheme |
Sbbj Rent Plus
Scheme |
Advance Against Rbi Relief Bonds |
Sbbj Gold Loan
Scheme |
Processing Charges On Various Personal Segment Loan Schemes
| Emi Chart
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Flexi Home
Loans |
Maxgain Home Loan |
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SBBJ
PERSONAL LOAN SCHEME
|
Purpose |
General-purpose loan for individuals for any
legitimate purpose and meeting their varying
needs including related to festival Holidaying /
Sightseeing, Pilgrimage / consumer durables or
for various personal / family expenses |
|
Eligible customers |
- Permanent employees of Central / State
Govt., Quasi Govt., PSUs, public limited
companies, intuitions, MNCs, corporates with
minimum 2 years service & drawing salary
through account maintained with the Bank.
- Self-employed and professionals with a
minimum 2 year’s standing.
- Agents of insurance/KVP/Mutual Funds etc.
with 3-5 years’ standing who are tax assesses
and whose gross annual income exceeds Rs.2.00
lacs.
- Pensioners who have been taken premature
voluntary retirement from PSUs/Govt.
(State/Central)/ Public Sector Banks.
- Traders and businessmen.
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|
Age |
Maximum 60 years |
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Income Eligibility |
- For employees where check off facility is
available AND salary is also being
received through account with us- Rs 3,000/-
as per latest salary slip
- For others i.e. (employees / pensioners
not covered above)- Rs 5000/- per month.
- Rs. 60000/- p.a. for professionals and
self employed individuals as per latest income
tax return. · Rs. 1.00 lac p.a. for traders
and businessmen.
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|
Loan Amount |
18
times of Net Monthly Income, Min. Rs. 24000/-
Salaried/ Self Employed
Salaried/ Self Employed
· Metro Centers
· Non-metro Centers Early retirement
Pensioners Traders |
Loan Ceiling
· Rs. 7.50 lacs
· Rs. 5.00 lacs
· Rs. 1.50 lacs
· Rs. 1.00 lac |
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Margin |
NIL |
|
Rate of Interest |
As per
interest rate chart |
|
Repayment |
EMI
Upto 60 months |
|
Security |
Check
off facility / Post Dated Cheques Guarantee in
certain cases |
|
Take over of loans |
Permitted with certain conditions |
|
Processing Fee |
1.15 %
of loan amount inclusive of Service tax Can be
waived upto 50% in certain cases |
|
Documents |
- Duly completed application form with
passport size photograph
- Statement of Bank Account / Pass
Book for the last six months.
- Information about the
borrower-
- Proof of identity: voter ID card,
Passport, driving licence, PAN card
- Proof of residence: recent
telephone/electricity bill, property tax
receipt/ Passport/Voters ID card.
- Proof of business address for
non-salaried individuals etc
- Proof of income:
From Employees -Salary certificate from
employer and TDS certificate - Form 16 or Copy
of IT Return for last two financial years,
duly acknowledged by ITO.
From Self Employed/Other l.T.assessees:
acknowledged copies of three years’ IT Returns
/ Assessment Orders
- Photocopies of challans of Advance I.T.
paid.
- Documents relating to repayment where
Check-off is available:
Irrevocable
Letter of Authority from employee (on standard
format).
Letter of undertaking from employer
(on Bank’s standard format).
Irrevocable Letter of Authority where
applicant himself is Drawing and Disbursing
Officer (on Bank’s standard format).
In other cases PDCs
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SBBJ PENSION LOAN SCHEME
|
Purpose |
To meet
Personal expenses of pensioners |
|
Eligibility |
Pensioners - All central and state government
pensioners, pensioners of various Central/ State
Govt. Undertakings and pensioners of SBBJ, whose
pension accounts are maintained by our branches.
Family pensioners - Family pensioner i.e. spouse
authorised to receive pension after the death of
the pensioner. The pensioners whose pension is
disbursed by Government treasuries by means of
cheques / bills payable subject to certain
conditions |
|
Age
of pensioner |
The
pensioner / family pensioner should not be more
than 72 years of age at the time of availment of
loan. |
|
Loan
Amount |
(A)
Pensioners - A maximum of 15 months
pension with a ceiling of Rs.1.00 lac.
(B)
Family pensioners- A maximum of 10
months net family pension with a ceiling of Rs.50,
000/-. |
|
Margin |
NIL |
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Primary security |
NIL |
|
Collateral Security (Guarantee) |
(A)
Pensioners - Third party guarantee (TPG)
of the spouse eligible for family pension. In the
absence of the spouse, TPG, of any other family
member or a third party having worth not less than
the loan amount.
(B) Family pensioners- Third
party guarantee of a person who has been
maintaining a satisfactorily conducted account
with the Bank; preferably of the son/ daughter of
the family pensioner. |
|
Repayment |
Pensioners upto 70 years of age |
60
EMI |
| |
Pensioners of >70 years to 72 years |
48
EMI |
| |
Commencing from the pension payable one month
after disbursal of loan. |
|
Interest Rate |
0.50%
below SBBJ BPLR, i.e. 10.75% p.a. |
|
Processing Fee |
Nil |
|
Authorised branches |
All
branches maintaining pension accounts. The loan to
be given by the branch paying the pension. |
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SBBJ TWO WHEELER LOAN
SCHEME
|
Purpose |
Purchase
of a new two-wheeler of reputed make
(scooter / motorcycle / moped) |
|
Eligibility Profession |
- Permanent employees of State / Central
Govt., Defence Establishments, Public Sector
Undertakings, corporations, private sector
companies, reputed establishments.
- Professionals, self-employed and others who
are income tax assessees. Persons engaged in
agriculture and allied activities.
|
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Income |
Minimum
NMI of Rs. 5000 for salaried persons and Rs.
60,000 net annual income of others. |
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Loan
Amount |
Min,
Rs.10000/-, 12 times of NMI Max. Rs.75000/-
Regular income from all sources (with proof) can
be considered. |
|
Type
of loan |
Term
Loan |
|
Margin |
10%
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Repayment Period & Mode |
36 - 60
months from the month following the disbursal of
loan. By way of EMI. (In the case of salaried
individuals a check off facility is preferable.
Where this is not available PDCs should be
obtained.) Customised repayment through equated
instalments at monthly / quarterly/ half
yearly/yearly intervals for agriculturists through
PDCs or Standing Instructions. |
|
Processing Fee |
1.15% of
the loan amount |
|
Security |
- Hypothecation of vehicle and noting of
hypothecation charge in the books of RTO and
Registration Book AND
- Check of facility / PDC
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|
Interest |
0.75%
above BPLR, i.e., 12.00% p.a. floating on monthly
compounding basis |
|
Insurance |
Comprehensive insurance in the name of the
borrower with Bank clause. |
|
Disbursement |
Direct
to the supplier |
|
Documents |
- Duly completed application form with
passport size photograph
- Statement of Bank Account / Pass Book for
the last six months.
- Information about the borrower-
- Proof of identity: voter ID card,
Passport, driving licence, PAN card
- Proof of residence: recent
telephone/electricity bill, property tax
receipt/ Passport/Voters ID card.
- Proof of business address for
non-salaried individuals etc
- Proof of income:
From Employees
-Salary certificate from employer and TDS
certificate - Form 16 or Copy of IT Return for
last two financial years, duly acknowledged by
ITO.
From Self Employed/Other l.T.assessees:
acknowledged copies of three years’ IT Returns /
Assessment Orders
- Photocopies of challans of Advance I.T.
paid.
- Documents relating to repayment where
Check-off is available:
Irrevocable Letter of Authority from employee
(on standard format).
Letter of undertaking from employer (on
Bank’s standard format).
Irrevocable Letter of Authority where
applicant himself is Drawing and Disbursing
Officer (on Bank’s standard format).
In other cases PDCs
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SBBJ RENT PLUS SCHEME
LOAN AGAINST FUTURE RECEIVABLES OF RENT
|
Purpose |
Finance
against assignment of future rentals to owners of
residential buildings / commercial property to
meet their liquidity mis-match |
|
Eligible customers Applicability [Coverage] |
Owners
of residential buildings and commercial properties
which are to be rented or already rented to MNCs /
Banks / large & Medium size Corporates. (For all
other type of lessees the network GM of the
circles is vested with the discretion to consider
the case.) Metro/urban/ semi-urban/rural centre.
CMC may identify individual branches to handle
loans irrespective of loan amount & constitution
of owner [i.e individual, proprietor, partnership,
company etc.] |
|
Quantum of finance Min. & Max. Loan Amount |
85% of
upto 72 months’ Rent receivable (net of property
tax, advance deposit and any other statutory
liability) less or 85% of the market
value of the property (as per Bank's approved
valuer's latest valuation report) or Rent
for unexpired lease period which ever is less
Min. Rs. 50000/- Max. Rs. 5 crores
(Exceptional cases upto Rs. 7.50 crores)
|
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Margin |
15% |
|
Processing Fees |
1.15%
of loan amount. Maximum Rs. 55,000/- |
|
Repayment Period & Mode |
Maximum
of 7 years or residual lease period
whichever is lower. EMI. Where advance rent
is received the Equated Instalment [EI] to be for
same frequency at which rent is received & EI to
be front ended i.e. recovered at beginning of the
period. |
|
Prepayment |
1%
of the loan amount prepaid |
|
Primary Security |
Clean.
Assignment of rental receivable and recording of
power of attorney with the lessee is a must. |
|
Collateral Security |
- First charge on building against the rentals
of which the loan is sanctioned OR any other
acceptable property.
- Market value of the property to be atleast
120% of the loan amount.
- Personal guarantee of partners/ directors in
case of partnership firm / company.
|
|
Insurance |
To cover
value of assets charged to the Bank. |
|
Exit
Route |
Loan to
be recalled if the account remains irregular for
three consecutive months |
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Rate
of Interest |
At SBBJ
BPLR, presently 11.25% p.a. on monthly compounding
basis |
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