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

आईओबी पर्सनल लोन (वेतनभोगी)

Indian Overseas Bank personal loan for confirmed salaried employees up to ₹15 Lakhs.

ऋण राशि सीमा₹50,000 to ₹15,00,000

ब्याज दर (APR)11.50% - 14.75% p.a. (floating RLLR-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

Indian Overseas Bank's core unsecured personal credit product for confirmed employees of Central and State Governments, Public Sector Undertakings, and reputed corporate firms.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹15 Lakhs without any third-party guarantor • Transparent public-sector pricing tied to RBI Repo-linked rate • Zero prepayment penalties when closed from own personal funds • Attractive interest concessions for corporate salary package account holders.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Confirmed permanent employees of Govt, PSUs, and Reputed Corporates with salary account in IOB. Min Age: 21, Max Age: 58. Min Net Monthly Salary: ₹15,000. Min CIBIL: 700.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty if closed from own verified personal funds; 2% for takeover.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address: PAN Card, Aadhaar Card • Employment Proof: Employee ID Card, confirmation 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 check-off agreement or standing instruction mandate 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. Log into IOB Mobile App > Loans > IOB Personal Loan. Select amount and e-sign.

2. नए ग्राहक (ऑनलाइन):

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

3. बैंक शाखा में जाकर:

1. Visit home IOB branch. Submit Application Form 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?

Up to ₹15 Lakhs or 20 times net monthly salary, whichever is lower.

Can private sector employees apply?

Yes, confirmed employees of reputed private companies with at least 2 years service vintage are eligible.

Are there prepayment charges?

No prepayment charges apply if pre-closed from borrower's own funds.