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If you are a govt./PSU employee, corporate employee or pensioner, you can apply for Oriental Bank of Commerce Personal Loan that offers various schemes like Oriental Bank of Commerce Personal Loan Scheme for Govt, Oriental Bank of Commerce Personal Loan Scheme For Corporate and Oriental Bank of Commerce Personal Loan Scheme For Pensioners. From Oriental Bank of Commerce, you can avail a loan amount of upto Rs. 10 lakh and can repay it in affordable EMIs.
Oriental Bank of Commerce Personal Loan - Documents Required
The documents required to avail Oriental Bank of Commerce Personal Loan may vary as per the type of scheme you choose. However, the basic documents that are required as are follows:
- Photo identity proof(any one document): Passport, Pan Card, Voter Identity Card, Driving License, Aadhaar Card
- Address proof(any one document): Ration Card, Bank Account Statement, Passport, Driving License, Electricity Bill, Telephone Bill, Sale Deed/Property purchase agreement(for owned properties), Aadhaar Card
- Salary proof: Last 3 months/6 months’ bank statement (dependent on scheme) showing salary credits, Latest Salary Slip
Oriental Bank of Commerce Personal Loan - Eligibility Criteria
Oriental Bank of Commerce Personal Loan Scheme for Govt
- You should be a permanent and confirmed employee of Public Sector Undertaking (PSU) and Centre / State Govt. Deptt. and other Government institutions like Universities/Colleges etc.
- You should have a salary account with the bank
- Your monthly salary should be minimum Rs. 10,000
- Your net take home salary should not be less than 30% of gross salary after deducting the EMI of the proposed loan
- If you don’t have a salary account with the bank, your dross monthly salary should be at least Rs. 50,000
Oriental Bank of Commerce Personal Loan Scheme For Corporate
- You should be a permanent employee of reputed corporates and other reputed non-government organizations/institutions including colleges/schools
- You should have a salary account with the bank
- you should have at least 3 years of working experience that also includes service with the previous employer(s), if any
- Your minimum monthly income should be at least Rs. 10,000
- Your net take home salary should be less than 30% of gross salary after deducting the EMI of the proposed loan
- If you don’t have a salary account with the bank, your monthly salary should be at least Rs. 50,000
Oriental Bank of Commerce Personal Loan Scheme For Pensioners
- The pensioner should not be more than 75 years of age and family pensioner that is spouse who is authorized to receive pension after the death of the pensioner, should not be more than 70 years
- The net home pension should be at least 50% of gross pension (including the installment of proposed loan)
- The family pensioner is also eligible for personal loan
FAQs
How do I get in touch with the customer care of Oriental Bank of Commerce?
- You can give a call on 0120-2580001, 1800-180-1235 or 1800-102-1235
- You can visit the corporate office at Plot No. 5, Institutional Area, Sector-32 Gurgaon – 122001
- You can fill the feedback/complaint form here
What is the processing fee of Oriental Bank of Commerce Personal Loan?
The processing fee is 0.50% of the loan amount with a minimum of Rs. 500/- +Service tax, if any.
How can I apply for Oriental Bank of Commerce Personal Loan offline?
To apply for Oriental Bank of Commerce Personal Loan offline, you can either contact the customer care or can visit the nearest branch.