यूनियन डिजी पर्सनल लोन (व्योम)
100% digital instant personal loan via Vyom app for pre-approved customers up to ₹5 Lakhs.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Union Bank of India's 100% digital instant personal loan facility hosted on the Vyom mobile app, offering instant in-principle approval and straight-through credit to pre-screened account holders.
प्रमुख लाभ एवं विशेषताएं
• Instant disbursement directly into Union Bank savings account • Paperless digital journey authenticated via Aadhaar OTP • Transparent EMI repayment plan with no hidden charges • Available 24x7 through Vyom mobile app.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Existing Union Bank account holders with pre-qualified credit offer and active mobile banking. Min Age: 21, Max Age: 58. Min CIBIL: 710.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
NIL prepayment penalty if pre-closed after 6 EMIs.
📂आवश्यक दस्तावेज (Required Documents)
• Completely paperless (e-KYC validated via mobile app).
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Strictly available to pre-approved existing customers holding verified KYC. • Maximum loan quantum capped at ₹5 Lakhs digitally.
🚀आवेदन के चरण (How to Apply)
1. Open Vyom App > Loans > Instant Personal Loan. Select amount and tenure, complete Aadhaar OTP e-Sign.
Not applicable for new-to-bank customers.
Not applicable — STP digital feature on Vyom app.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
How do I check my Vyom loan offer?
Log in to the Vyom app and check the 'Pre-Approved Loans' section.
Do I need physical document submission?
No, the process is 100% digital with Aadhaar OTP e-sign.
What is the maximum tenure?
Up to 48 months (4 years).