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Re: State Bank Of Patiala
State Bank Of Patiala provide two wheeler Loan scheme to purchase two wheeler loan. Two wheeler Loan- Loan amount- 18 times the NMI OR 1.5 times the NAI OR 90% of the cost of the vehicles (Ex-Showroom price including accessories) whichever is less Loan Term- Maximum : 5 Years Interest Type (Floating or Fixed) Both a) Interest Chargeable (In case of Floating Rate Loans)- 15.75% (6.25% above MCLR i.e. 9.50%) b) Interest Chargeable (In case of Fixed Rate Loans)- 16.00% (6.50% above MCLR i.e. 9.50%) Processing Fee : 1.22% of the Loan amount with a Minimum of Rs. 255/- and Maximum of Rs.510/- Fee refundable if loan is not sanctioned Penalty for delayed payments Penal Interest @ 2% over and above the applicable rate on the entire loan outstanding for the period of such default will be charged if the EMIs remain unpaid for a period of 30 days from the due date, for any reason, including a bounced cheque. EMI Payable- For Borrowers other than Agriculturists : In Equated Monthly Installments For Agriculturist Borrowers : The periodicity of Installment for repayment will be decided as yearly/half Yearly/Quartely/ monthly depending upon the income generation i.e. coinciding with the harvest of the crops/income generation from other allied agricultural activities/mix of all types of income Details of Security Collateral Obtained- Hypothecation of Vehicle and noting of Hypothecation charge in the Books of RTO in favour of the Bank Date on Which the Annual outstanding balance statement will be issued- As on 31st March every Year. Toll Free: 1800-180-2010 |
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