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

यूनियन पर्सनल लोन (वेतनभोगी)

Union Bank personal loan for confirmed salaried employees up to ₹15 Lakhs with low processing fees.

ऋण राशि सीमा₹50,000 to ₹15,00,000 (up to 20x Net Monthly Salary)

ब्याज दर (APR)11.40% - 14.90% p.a. (floating EBLR-linked)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्क0.50% to 1.00% of loan amount + GST (Min ₹500, Max ₹7,500 + GST)

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

उत्पाद का संक्षिप्त विवरण

Union Bank of India's flagship unsecured personal loan 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 • Low processing charges capped at ₹7,500 + GST • Zero prepayment penalties for pre-closure from own sources • Fast digital in-principle approval on Vyom mobile app.

📋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 Union Bank. 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)

• Requires employer check-off agreement or standing instruction mandate. • 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 Union Bank Vyom mobile app > Loans > Personal Loan. Verify pre-populated salary details and e-sign.

2. नए ग्राहक (ऑनलाइन):

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

3. बैंक शाखा में जाकर:

1. Visit home Union Bank 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 salary multiplier?

Up to 20 times Net Monthly Salary or ₹15 Lakhs, 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.