निजी क्षेत्र का बैंक (Private Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

फेडरल बैंक फेड-पर्सनल लोन

Federal Bank personal loan for salaried professionals up to ₹25 Lakhs.

ऋण राशि सीमा₹50,000 to ₹25,00,000

ब्याज दर (APR)11.49% - 16.50% p.a. (floating RLLR-linked)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्क1.00% to 2.00% of loan amount + GST (Min ₹1,000)

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

उत्पाद का संक्षिप्त विवरण

Federal Bank's premier retail personal credit facility designed for confirmed salaried professionals and business executives.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹25 Lakhs without any third-party guarantor • Fast digital processing through FedMobile mobile app • Repayment tenure up to 5 years (60 months) • Transparent Repo-linked pricing structure.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Confirmed permanent employees of reputed private companies, MNCs, and PSUs. Min Age: 21, Max Age: 60. Min Net Monthly Salary: ₹25,000. Min CIBIL: 720.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Part-payment/foreclosure permitted after 6 months; 2% to 3% fee applies.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address: PAN Card, Aadhaar Card • Employment Proof: Employee ID Card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 • Banking: Last 6 months bank statement showing salary credits.

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

• Employer salary mandate or standing instruction required. • Minimum 1 year confirmed service in current organization. • Broken period interest charged from disbursement date to first EMI cycle.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open FedMobile App > Loans > Personal Loan. Select amount and e-sign.

2. नए ग्राहक (ऑनलाइन):

1. Visit federalbank.co.in > Personal Loans. Submit online application and upload payslips.

3. बैंक शाखा में जाकर:

1. Visit home Federal Bank branch with 3 months payslips, Form 16, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit in Federal Bank?

Up to ₹25 Lakhs or 20 times net monthly salary, whichever is lower.

Can I prepay the loan after 6 months?

Yes, part-prepayment or foreclosure is allowed after 6 months with nominal charges.

What is the minimum income needed?

A minimum net monthly salary of ₹25,000.