State Bank Of Patiala - 2018 2019 MBA
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  #1  
Old 13th October 2016, 03:02 PM
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Default State Bank Of Patiala

I want to take two wheeler Loan from State Bank Of Patiala so can you please provide me the details of loan?
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  #2  
Old 13th October 2016, 04:14 PM
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Default 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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