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Personal Banking - ADVANCES |
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Deposits |
Advances |
Safe Deposit Lockers |
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Welcome to SBBJ PENSION LOAN:
Are you a Central/state Govt. and SBBJ pensioner (Including family pensioner)
An all purpose loan.
Lead your life in Peace and Harmony by fulfilling your obligations and responsibilities.
Just visit the branch from where you draw pension.
Enjoy the SBBJ Advantage:
Low interest rates, easy repayment options, total transparency.
Key features of the scheme are furnished below:
| Name of the scheme |
SBBJ Pension Loan |
| Purpose |
General purpose loan for various expenses
Age not more than 72 years |
| Eligibility |
Central/state Govt. and SBBJ pensioners (Including family pensioners) who draw pension from SBBJ branches/ Treasuries. |
| Loan Amount |
15 times of monthly pension maximum Rs. 1.00 lacs
In case of family pensioners- 10 times of monthly pension maximum Rs. 0.50 lac
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| Margin |
NIL |
| Repayment |
EMI Upto 60 months
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| Security |
NIL |
| Processing Fee |
Waived |
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Welcome to SBBJ TWO WHEELER LOAN:
Are you a permanent employee of Central / State Govt., Quasi Govt. and PSUs?
Are you thinking of purchasing a two wheeler?
Just visit any of our nearest branch.
Enjoy the SBBJ Advantage:
Low interest rates, easy repayment options, total transparency.
Key features of the scheme are furnished below:
| Name of the scheme |
SBBJ Two Wheeler Loan |
| Purpose |
Purchase of new Two Wheeler |
| Eligibility |
Permanent employees of Central / State Govt., Quasi Govt., reputed PSUs, profit
making public limited companies, reputed institutions and MNC’s corporates enjoying credit
facilities from our Bank having credit rating of SBBJ-1 & SBBJ-4 and reputed institutions
with minimum of 2 years service drawing salary through account maintained with our bank.
Min. NMI of Rs.5000/- or net Min. Annual income Rs.60000/-
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| Loan Amount |
Min, Rs.10000/-, 12 times of NMI Max. Rs.75000/-
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| Margin |
20% |
| Repayment |
36 to 60 months
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| Security |
Hypothecation of vehicle purchased
Hyp. Charge noting with RTO
PDCs for EMI
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| Processing Fee |
1.15% of the loan amount |
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Welcome to Vishesh Vahan Yojna for Raj. Govt. Employees:
Key features of the scheme are furnished below:
| Name of the scheme |
Vishesh Vahan Yojna for Raj. Govt. Employees |
| Purpose |
Purchase old car, (old upto 4 years)
Purchase of new Two Wheeler
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| Eligibility |
Regular employees of State Govt. having minimum service of 2 years and upto the age of
55 years.
(At a time only one account can be outstanding)
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| Loan Amount |
12 times of Monthly Income or
Max Rs.12 lac for new car
Max. Rs. 5 lacs for old car
Max. Rs 0.75 lacs for two wheeler whichever is less
Spouse income not to be included.
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| Margin |
New Vehicle:
Upto Rs. 6 lacs 15%,
Above Rs. 6 lacs 30%
Old vehicle: Upto 2 years: 30%
Above 2 years: 40% for two wheeler new 10%
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| Rate of interest |
As applicable from time to time
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| Repayment |
For new car
84 EMI
For old car (upto 2 years) 60 EMI
For old car (above 2 years) 36 EMI
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| Security |
Hypothecation of vehicle purchased
Third party guarantee
Hyp. Charge noting with RTO
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| Processing Fee |
NIL |
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Welcome to SBBJ Home Cash:
Key features of the scheme are furnished below:
| Name of the scheme |
SBBJ Home Cash |
| Purpose |
Any purpose, viz. extension/repair of house, purchase of car/ consumer durables,
education / medical expenses of family members, personal expenses, etc
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| Eligibility |
All Home Loan customers with a satisfactory repayment record of at least one year and
who maintain a SB/CA account with us.
Present market value of the house property less (i) margin of 25% on the property value
and (ii) the present outstanding in the Home Loan account.
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| Loan Amount |
Minimum loan amount: Rs.25, 000/-, Maximum Rs.10,00,000/-.
EMI/NMI Not to exceed 60%.
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| Margin |
NIL |
| Repayment |
Maximum of 120 EMIs. or
The remaining period of housing loan in case of not extension of charge.
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| Security |
Extension of mortgage of the house property.
Can be waived at request.
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| Processing Fee |
0.60% of the loan amount with a minimum of Rs.500/-. |
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Welcome to SBBJ Rent plus:
Key features of the scheme are furnished below:
| Name of the scheme |
SBBJ Rent plus |
| Purpose |
General purpose, against rent receivable from the property leased out to corporate entities
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| Eligibility |
Owners of residential buildings and commercial properties which are to be rented or
already rented to MNCs / Banks / large & Medium size Corporates. The facility under the
Scheme may be restricted to properties located in Metro and Urban centers only.
7 years or the residual lease period, whichever is less. Discretion to allow longer
repayment period (max 10 years) may be vested to the Sanctioning Authority not below the
level of ZOCC.
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| Loan Amount |
Scale of finance -Lowest of:
i) 85% of realizable value of the property mortgaged (as per latest valuation report of
the Bank’s approved valuer) OR
ii) Maximum permissible limit under the Scheme i.e.Rs. 10.00 crores
OR
iii) 60% of [total rent receivable for the residual lease period or loan period,
whichever is lower minus total of advance deposit, estimated amount of property tax,
service tax, TDS and other statutory dues for the period]
Max. Rs. 10.00 crores
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| Margin |
40% of rent receivable |
| Repayment |
EMI for 84 months or the unexpired period of lease
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| Security |
Equitable mortgage of the property & tripartite agreement with lessee and borrower
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| Processing Fee |
0.60% of loan amount |
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