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

स्टैंडर्ड चार्टर्ड पर्सनल लोन

Standard Chartered Bank personal loan for corporate professionals up to ₹50 Lakhs.

ऋण राशि सीमा₹1,00,000 to ₹50,00,000

ब्याज दर (APR)10.49% - 18.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 2.25% of loan amount + GST

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

उत्पाद का संक्षिप्त विवरण

Standard Chartered Bank India's premium personal loan for salaried corporate employees, offering high borrowing limits up to ₹50 Lakhs with attractive pricing for Tier-1 corporate executives.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹50 Lakhs for substantial funding needs • Attractive interest rate slabs starting from 10.49% p.a. • Fast digital in-principle sanction via SC Mobile app • Flexible repayment tenure up to 5 years (60 months).

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried corporate employees working in rated private companies, MNCs, and financial institutions. Min Age: 22, Max Age: 58. Min Net Monthly Salary: ₹35,000. Min CIBIL: 730.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

12-month lock-in period; foreclosure charges 3% to 4% + GST after 12 months.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address: PAN Card, Aadhaar Card, Passport • 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)

• High income threshold: Minimum net take-home salary of ₹35,000/month. • Foreclosure lock-in of 12 full months. • Foreclosure fee of 3% to 4% + GST applies post-lock-in.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Log into SC Mobile App > Borrow > Personal Loan. Pre-approved limit displayed. Authenticate with OTP.

2. नए ग्राहक (ऑनलाइन):

1. Visit sc.com/in > Personal Loans. Submit mobile number, PAN, and link bank statement via Account Aggregator.

3. बैंक शाखा में जाकर:

1. Visit nearest Standard Chartered branch with 3 months salary slips, 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 Standard Chartered?

Up to ₹50 Lakhs depending on your net monthly salary and credit score.

What is the foreclosure charge?

3% to 4% plus GST on the principal outstanding after the initial 12-month lock-in period.

What is the minimum credit score required?

A minimum CIBIL score of 730 is recommended.