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

यूनियन आश्रय पर्सनल लोन

Union Bank personal loan for senior citizens and retired individuals up to ₹10 Lakhs.

ऋण राशि सीमा₹25,000 to ₹10,00,000

ब्याज दर (APR)11.20% - 12.60% p.a. (floating EBLR-linked)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्क0.50% + GST (Min ₹500, Max ₹3,000)

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

उत्पाद का संक्षिप्त विवरण

Special credit facility designed for senior citizens and retired personnel to meet unforeseen medical emergencies, family obligations, and house renovation needs.

प्रमुख लाभ एवं विशेषताएं

• Tailored specifically for senior citizens and retired individuals • Simplified documentation and doorstep assistance on request • Zero prepayment penalties for pre-closure • Repayment tenure up to 5 years.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Senior citizens and retired individuals drawing pension or fixed interest income through Union Bank. Min Age: 60, Max Age: 75. Min CIBIL: 650.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty across all tenures.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN, Aadhaar • Income Proof: PPO booklet, pension slips, or Fixed Deposit interest certificates • Co-obligation: Spouse or legal heir KYC.

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

• Verifiable monthly pension or interest annuity income credit required. • Legal heir or spouse co-obligation mandatory. • Net income after EMI must not fall below 45%.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Apply via Vyom app or branch. Verification of pension/annuity and spouse co-obligation.

2. नए ग्राहक (ऑनलाइन):

1. Submit inquiry on unionbankofindia.co.in > Ashray Scheme.

3. बैंक शाखा में जाकर:

1. Visit nearest Union Bank branch with PPO / Annuity statement, KYC, and co-obligation letter.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can senior citizens without pension apply?

Yes, if they maintain verifiable regular interest income from fixed deposits or annuity products with Union Bank.

What is the maximum age limit?

Up to 75 years at loan maturity.

Is collateral required?

No asset mortgage is required; loan is backed by personal guarantee of spouse or legal heir.