सार्वजनिक क्षेत्र का बैंक (PSU Bank)स्वरोजगार एवं पेशेवरस्वीकृति गति: 3 to 5 working days.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

बीओआई स्टार मित्र पर्सनल लोन

Bank of India personal loan for self-employed professionals and traders up to ₹10 Lakhs.

ऋण राशि सीमा₹50,000 to ₹10,00,000

ब्याज दर (APR)12.00% - 15.25% p.a. (floating RBLR-linked)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्क1.00% of loan amount + GST (Min ₹1,000, Max ₹10,000 + GST)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Unsecured credit facility provided by Bank of India to self-employed individuals, professionals, traders, and small business owners to meet personal or business exigencies.

प्रमुख लाभ एवं विशेषताएं

• Dedicated unsecured personal finance for non-salaried entrepreneurs • Competitive PSU pricing compared to private NBFCs • Repayment tenure up to 5 years (60 months) • Loan amount up to ₹10 Lakhs based on ITR assessment.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Self-employed professionals, traders, and businessmen with established business vintage of at least 3 years. Min Age: 25, Max Age: 65. Min CIBIL: 710.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL if closed from own business funds; 2% for takeover.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN, Aadhaar, Trade License • Income Proof: Last 2 years ITR-V with Computation of Income • Bank Proof: Last 12 months bank statements.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Minimum 2 years of ITRs required with declared annual income >= ₹3 Lakhs. • Business vintage of at least 3 years required. • Suitable co-obligation or third-party guarantee required if CIBIL is below 730.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Existing BOI account holders apply via NetBanking or branch with ITR copies.

2. नए ग्राहक (ऑनलाइन):

1. Submit inquiry on bankofindia.co.in > Star Mitra Loan. Branch representative contacts.

3. बैंक शाखा में जाकर:

1. Visit nearest BOI branch with 2 years ITR, business registration, and bank statements. Execute agreement.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can doctors and CAs apply for Star Mitra Loan?

Yes, self-employed professionals are prime candidates for this loan with fast-track appraisal.

What is the minimum annual income required?

Minimum verifiable annual taxable income of ₹3 Lakhs as per latest ITR.

Is collateral required?

No collateral is required for loans up to ₹10 Lakhs meeting eligibility criteria.