Loans

LOANS EVERY
MAN’S NEED TODAY
LOAN
Loan is a type of debt. All material things can be lent but this article focuses exclusively
on monetary loans. Like all debt instruments, a loan entails the redistribution of financial
assets overtime, between the lender and the borrower. The borrower initially receives
an amount of money from the lender, which they pay back, usually but not in regular
installments, to the lender. This service is generally provided at cost, referred to as
interest on the debt.
Acting as a provider of loans is one of the principal task of financial
institution. For other institution issuing of debt contracts, such as bond is a typical
source of funding. Bank loans and credit are one way to increase the money supply.
Other types of debt include mortgages, credit card debt, bonds, and lines of credit.
A mortgage is a very common type of debt instrument, used by many individual to
purchase housing. In this arrangement, the money is used to purchase the property. The
bank, however, is given the title to the house until the mortgage is paid off in full. If the
borrower defaults on the loan, the bank can repossess the house and sell it, to get their
money back.
Abuse in the granting of loans is known as predatory lending. It usually
involves granting of a loan in order to put the borrower in a position that one can gain
advantage over him or her.
Jisa Fernandes T.Y.BBI (V- Semester) 1

LOANS EVERY
MAN’S NEED TODAY
STATE BANK OF INDIA (SBI)
STATE BANK OF INDIA is the largest bank in India. It is also measured by the
number of branch offices and employees, the largest bank in the world. With an asset
base of $126 billion and its reach, it is a regional banking behemoth. It has laid emphasis
on reducing the huge manpower through golden handshake schemes and computerizing
its operation
HISTORY OF SBI
State bank of India are traceable to the first decade of 19th
century, when the
bank of Calcutta, later renamed as bank of Bengal, was established on 2nd
June 1806. It
remains the oldest commercial bank in Indian subcontinent and also the most successful
one providing various domestic, international and NRI products and services, through its
vast network in India and overseas.
The RBI, which is the central banking organization of India, in the year 1955,
acquired a controlling interest in the imperial bank of India and the imperial bank of
India was christened on 30yh April 1955 as the state bank of India. This acquisition of
the controlling interest was done pursuant to the provision of the state bank of India act
1955, an act enacted by the parliament of India.
GROWTH OF SBI
State bank of India has often acted as a guarantor to the Indian
governments, most notably during Chandra shekhars tenure as prime minister of India.
With more than 9400 branches and a further 4000 + associate bank branches, the SBI has
extensive coverage. State bank of India has electronically networked most of its
branches. The bank has one of the largest ATM network in the region. The state bank of
India has had steady growth over its history, though it was marred by the Harshad Mehta
scam in 1992. In recent years, the bank has sought to expand its overseas operations by
buying foreign banks. It the only Indian bank to feature in the top 100 world banks in the
fortune global 500 rating and various other rankings. According to the Forbes 2000
listing its tops all Indian companies.

LOANS EVERY
MAN’S NEED TODAY
SBI TODAY
Today, state bank of India has spread its arms around the world and has a
network of branches spanning all time zones. SBIs international banking group delivers
the full range of cross border finance solutions through its four wings- the domestic
divisions, the foreign office division, the foreign department and the international service
division.

LOANS EVERY
MAN’S NEED TODAY
LOANS PROVIDED BY STATE BANK OF INDIA (SBI)
• SBI SARAL PERSONAL LOAN
• HOUSING LOAN
SBI- HOME LOAN
SBI-FLEXI HOME LOAN
SBI-MAX GAIN HOME LOAN
SBI-REALITY HOME LOAN
SBI-FREEDOM HOME LOAN
• SHORT TERM HOUSING LOAN
• EASY TRAVEL LOAN
• CAR LOAN
• EDUCATION LOAN
• SCHOLAR LOAN
• PROPERTY LOAN
• LOAN TO PENSIONERS
• LOAN FOR EARNEST MONEY DEPOSIT
• FESTIVAL LOAN
• LOAN AGAINST SHARES/DEBENTURES

LOANS EVERY
MAN’S NEED TODAY
SBI SARAL PERSONAL LOAN
Funds readily available whenever desire or need, be it a sudden vacation that you plan
with your family or urgent funds required for medical treatment? SBI Saral - Personal
Loan is the answer for those questions.
Advantage of saral personal loan
• Low interest rates. Further, we charge interest on a daily reducing balance!!
• Low processing charges; only 1%-2% of loan amount
• No hidden costs or administrative charges.
• No security required ……which means minimal documentation…something
that you had always wanted.
• No prepayment penalties. Reduce your interest burden and optimally utilize
your surplus funds by prepaying the loan (1% of the loan amount will be
charged if you repay the loan before 6 months)
• Long repayment period of up to 48 months.
The Scheme
Purpose
The loan will be granted for any legitimate purpose whatsoever (e.g. expenses for
domestic or foreign travel, medical treatment of self or a family member, meeting any
financial liability, such as marriage of son/daughter, defraying educational expenses of
wards, meeting margins for purchase of assets etc.)
Eligibility
you are eligible if you are a Resident Indian of National having capability to repay a
loan, except agriculturists.
Loan Amount
Your personal loan limit would be determined by your income and repayment capacity.
Minimum: Rs.24, 000/- in metro and urban centres

LOANS EVERY
MAN’S NEED TODAY
Rs.10, 000/- in rural/semi-urban centres
Maximum: 12 times Net Monthly Income for salaried individuals and pensioners and 1
year's Net Annual Income in case of others, subject to a ceiling of Rs.10 lacs in all
centres
Documents Required
Important documents to be furnished while opening a Personal Loan Account:
For existing bank customers
Passport size photograph
From salaried individuals
Latest salary slip and Form 16
From Self-employed individuals and Professionals
IT returns for the last two financial years,
Proof of Professional Qualification
Copy of highest professional degree held
Proof of official address. This can include shop and establishment
certificate/Lease deed/Telephone Bill.
Margin
SBI does not insist on any margin amount.
Interest Rates
3% above SBAR floating i.e. 13.75% p.a.
Repayment
The loan is repayable in 48 EMI. You are allowed to pay more than the EMI if you wish
to, without attracting any prepayment penalty.
Security
NIL
Processing Fee
Processing charges are 1-2% of the loan amount. This is amongst the lowest fees in the

LOANS EVERY
MAN’S NEED TODAY
industry. Processing fees have to be paid upfront. There are no hidden costs or other
administrative charges.
HOUSING LOAN
Home is where the heart is! At SBI, they understand this better than most – the toil and
sweat that goes into building/ buying a house and the subsequent pride and joy of owning
one. This is why SBI Housing loan schemes are designed to make it simple for you to
make a choice at least as far as financing goes!
‘SBI-Home Loans’
Unique features:
• No cap on maximum loan amount for purchase/ construction of house/ flat
• Option to club income of your spouse and children to compute eligible loan
amount
• Provision to club expected rent accruals from property proposed to compute
eligible loan amount
• Provision to finance cost of furnishing and consumer durables as part of project
cost Repayment permitted upto 70 years of age
• Free personal accident insurance cover
• Optional Group Insurance from SBI Life at concessional premium (Upfront
premium financed as part of project cost)
• Interest applied on daily diminishing balance basis
• ‘Plus’ schemes which offer attractive packages with concessional interest rates to
Govt. Employees, Teachers, Employees in Public Sector Oil Companies.
• Provision for downward refixation of EMI in respect of floating rate borrowers
who avail Housing Loans of Rs.5 lacs and above, to avail the benefit of
downward revision of interest rate by 1% or more
• In-principle approval issued to give you flexibility while negotiating purchase of
a property
Option to avail loan at the place of employment or at the place of construction
• .Complimentary international ATM-Debit card

LOANS EVERY
MAN’S NEED TODAY
• Complimentary SBI Classic/ International Credit Card with waiver of joining and
first year’s fees
• Option for E-banking
• Concessional package under ‘Credit Khazana’ for prospective car loan borrowers
whose accounts are conducted satisfactorily
• 50% concession in charges in respect of all personal remittances/ collection of
outstation cheques
Purpose
• Purchase/ Construction of new House/ Flat
• Purchase of an existing House/ Flat
• Purchase of a plot of land for construction of House
• Extension/ repair/ renovation/ alteration of an existing House/ Flat
• Purchase of Furnishings and Consumer Durables as a part of the project cost
• Takeover of an existing loan from other Banks/ Housing Finance Companies
Eligibility
Minimum age 18 years as on the date of sanction
Steady source of income
Loan Amount
• Applicant/ any one of the applicants are aged over 21 years and upto 45 years –
60 times Net Monthly Income (NMI) or 5 times Net Annual Income (NAI),
subject to aggregate repayment obligations not exceeding 57.50% of NMI/ NAI
• Applicant(s) aged over 45 years of age– 48 times NMI or 4 times NAI, subject to
aggregate repayment obligations not exceeding 50%of NMI/ NAI
To enhance loan eligibility you have option to add:
• Income of your spouse

LOANS EVERY
MAN’S NEED TODAY
• Income of your son/ daughter living with you, provided they have a steady
income and his/ her salary account is maintained with SBI
• Expected rent accruals (less taxes, cess, etc.) if the house/ flat being purchased is
proposed to be rented out
• Regular income from all sources
Margin
Purchase/ Construction of a new House/ Flat/ Plot of land: 15%
Purchase of an existing House/ Flat: 15%
Repairs/ Renovation of an existing House/ Flat: 20%
Processing Fee
0.50% of Loan amount with a cap of Rs.10, 000/-(including Service Tax)
Prepayment Penalty
2% of the loan prepaid if the loan is preclosed before expiry of half the original tenure.
Security
Equitable mortgage of the property other tangible security of adequate value like NSCs,
LIC policies etc., if the property cannot be mortgaged
Maximum Repayment Period
 For applicant’s upto 45 years of age: 20 years
 For applicants over 45 years of age: 15 years
Moratorium
Upto 18 months from the date of disbursement of first installment or 2 months after final
disbursement in respect of loans for construction of new house/ flat (moratorium period
will be included in the maximum repayment period)

LOANS EVERY
MAN’S NEED TODAY
Disbursement
• In lump sum direct in favour of the builder/ seller in respect of outright purchase
• In stages depending upon the actual progress of work in respect of construction
of house/ flat etc.
Documents
• Completed application form
• Passport size photograph
• Proof of Identity – PAN Card/ Voters ID/ Passport/ Driving License
• Proof of Residence – Recent Telephone Bill/ Electricity Bill/ Property tax
receipt/ Passport/ Voters ID
• Proof of business address in respect of businessmen/ industrialists
• Sale Deed, Agreement of Sale, Letter of Allotment, Non encumbrance
certificate, Land/ Building Tax paid receipt etc. (as applicable and subject to
satisfaction report from our empanelled lawyer)
• Copy of approved plan and approval from the Local Body
• Statement of Bank Account/ Pass Book for last 6 months
‘SBI-Flexi’ Home Loans
A customized product designed to enable borrowers to hedge their Home Loan against
unfavorable movement in interest rates. The product gives you a one time irrevocable
option to choose one of the three customized combinations of fixed and floating interest
rates and also to choose the order in which the fixed and floating rate will be availed.
Minimum Loan Amount: Rs.5 lacs
SBI-Maxgain’ Home Loans
An innovative and customer-friendly product to enable you to earn optimal yield on your
savings and minimize interest burden on Home Loans, with no extra cost.

LOANS EVERY
MAN’S NEED TODAY
The loan is granted as an Overdraft facility with the added flexibility for you to operate
your Home Loan Account like your SB or Current Account.
The product serves to minimize your interest cost by enabling you to park your surplus
funds in ‘SBI-Maxgain’ (with the benefit to withdraw the surplus funds whenever you
require), specially in the wake of low yields from other deposit/ investment avenues.
Minimum Loan Amount: Rs.5 lacs
‘SBI-Realty’ Home Loans
A unique product if you are on the look out for a loan to purchase a plot of land for
house construction. The loan is available for a maximum amount of Rs.20 lacs* and with
a comfortable repayment period of up to 15 years.
You are also eligible to avail another Housing Loan for construction of house on the plot
financed above with the benefit of running both the loans concurrently.
(House should be constructed within 5 years from the date of availment of ‘SBI-Realty’
Housing Loan)
‘SBI-Freedom’ Home Loans
A revolutionary product designed for customers who are on the look out for a source of
finance for a property they want to invest in without mortgaging the same. All you have
to do is pledge any financial security that you have and you will get a Home Loan for
your dream home.
A must-take for those who do not want to pay stamp duty for mortgage of their property
or go through the
hassles of creation of mortgage.
You also have an option to take the loan by way of mortgage of the property and pledge
financial securities in lieu of margin money.

LOANS EVERY
MAN’S NEED TODAY
Repayment is highly customized, giving you the option to repay through regular EMIs or
through maturity proceeds of the securities pledged.
SHORT TERM HOUSING LOAN
Home is where the heart is! At, they know this better than most - the toil and sweat that
goes into building/buying a house and the subsequent pride and joy of owning one.
This is why their housing loan schemes are designed to make it simple for you to make a
choice at least as far as financing goes!
No hidden clauses or costs or unnecessary documentation. Our loans have the longest
tenors and our repayment terms are amongst the most flexible. they offer you a totally
transparent process and yes, there is no fine print! they even give you an in-principle
approval prior to identifying a house/flat, relieving you of the tension of anticipating the
approved amount!
Last, but not the least, they have specialized Housing loan branches to serve your needs
better.their newly opened personal banking branches also specalise in this.
You can avail of a housing loan for:
• Purchase or construction of a new house/ flat.
• Purchase an existing (old) house/ flat.
• Extension, repair, renovation or alteration of a house/ flat.
• Purchase a plot of land meant for construction of a dwelling unit.
Enjoy the SBI Advantage

LOANS EVERY
MAN’S NEED TODAY
Why should you opt for a housing loan from State Bank of India?
• Excellent service and lower costs.
A quick survey of similar schemes available elsewhere and you will find that SBI
housing loans offer you the..
• Lowest Equated Monthly Instalments (EMI)
Lowest interest rates, currently between 7.50% pa and 8.50% p.a. on daily
reducing balances
A nominal processing fee of 0.25% will be charged. Compare this with the 1.5%
- 2% charged by others.
• No hidden costs or administrative costs
• In-principle approval given prior to your identifying a house /flat, giving you
flexibility in choice.
• Complete transparency - When we say our rate of interest is 8% p.a. you pay only
8%. When others say 8.5%, you may be paying even 10% p.a., as interest may be
levied even on the amounts you have already repaid. This is because we apply
interest on a daily reducing balance while housing finance companies/ other
banks mostly apply interest on annual reducing balance.
• Purpose
You can take a loan for:
 Purchase or construction of a new house/ flat.
 Purchase an existing (old) house/ flat.
 Extension, repair, renovation or elteration of a house/ flat.
 Purchase a plot of land meant for construction of a dwelling unit.
 Repayment of housing loan availed from other banks/financial institutions to
avail of the benefit of our low rates of interest.
Eligibility
You can avail of an SBI Housing loan if you are over 21 years of age and have steady
source of income.

LOANS EVERY
MAN’S NEED TODAY
Documents Required
You will need to furnish the following documents along with the completed application
form:
• Proof of residence
(This applies only to new or non-bank customers, and could be either a PAN
identity card, voter identification card or passport)
• Sale Deed/ Agreement of Sale
• Bank account Statement or passbook, for the last six months
• For employees or people in service, you also need to provide:
• Salary certificate and other information, if any, about your repayment capacity
• Form 16 or a copy of the Income Tax Returns for the last 2 years
• For self employed and other IT assessees:
• IT returns for the last 3 years· Receipts of advance tax paid
• Any other information about your repayment capacity
In addition to the above mandatory documents, you are also required to furnish one or
more of the following documents wherever applicable:·
• Letter of allotment from the housing board or society
• Copy of the approved plan
• Permission for construction
• Copy of the relative order in the case of conversion of agricultural land. (not
required where the house/flat has been constructed by an approved builder)
• In the case of an old existing house, you will need to get a valuation certificate
from approved valuers as well as a certificate from a government approved
architect /structural engineer regarding the condition of the flat/house well as its
remaining life. This will give you the comfort of knowing that the property you
are purchasing is of sound construction.
Loan Amount

LOANS EVERY
MAN’S NEED TODAY
While there is no ceiling to the amount of loan we sanction the actual loan amount is
determined on the basis of repayment capacity taking into account your income, age,
assets and liabilities. As a rule of thumb - Upto 60 times the net monthly income will be
sanctioned depending upon your age. Usually, your spouse's income and the expected
rental would also be taken into account.
Margin
Your contribution (margin) for the housing loan is as under: 15% for new house/ flat
20% for old house/ flat 20% for repairs and renovation.
Interest
Avail of the lowest interest rates in the market. We give you the option of locking in the
low interest rates for the full tenure of the loan or keeping your interest option open by
linking it to the Bank's Term Lending rate. Therefore, you could either avail the loan at a
fixed rate of interest, which stays constant throughout the loan period, or at a floating
rate of interest where the interest changes (increases or decreases) depending on changes
in the Bank's Term Lending Rate.
Repayment
In 60 Equated Monthly Instalments.Our repayment terms are amongst the most flexible
in the market. Depending on your age and capacity to repay, you could pay back the loan
in easy installments.You may prepay at will without attracting any penalty, or pay more
than your stipulated monthly installment at any time, depending upon availability of
funds with you. However, in case of takeover of loan by other banks/finance companies,
prepayment penalty of 2% may be levied.
If you have already taken a housing loan from any other bank/financial institution and
wish to benefit from our low rates of interest, we can take over your existing loan.
In-principle Approval
They also give in-principle approvals based on your income and capacity to repay, to
enable you to identify a house/ flat with full confidence.

LOANS EVERY
MAN’S NEED TODAY
EASY TRAVEL LOAN
Do you want funds readily available to you whenever you desire to go on a vacation that
you plan with your family or friends? SBI’s Easy Travel Loan is the answer to your
questions.
Enjoy the SBI Advantage:
• Low interest rate. Further, we charge interest on a daily reducing
balance!!
• Low processing charges; only 1% of loan amount.
• Complete transparency; No hidden costs or administrative charges.
• No security required ……which means minimal documentation…
something that you had always wanted
• No prepayment penalties. Reduce your interest burden and optimally
utilize your surplus funds by prepaying the loan.
• Long repayment period of up to 48 months.
Purpose
To meet any kind of Travel expense such as cost of ticket, hotel stay, visa, airport tax,
purchase of Basic Travel Quota, etc.
Eligibility
You are eligible if you are:
A State/Central Govt. Employee, employee of public sector undertaking/reputed
profit making public limited company, reputed institutions, MNC with a minimum
service experience of 2 years.

LOANS EVERY
MAN’S NEED TODAY
A self employed professional, with a minimum 2 years standing. You should be 60 years
of age or less.
A Pensioner of PSU/Govt. (Central/State)/Public Sector Bank who has taken premature
voluntary retirement and is 60 years of age or less
Agent of insurance/KVP/Mutual funds etc. with 3-5 years standing who is a tax assesse
and whose gross annual income exceeds Rs. 2 lacs.
A trader, who has cash flows to repay the loans and can provide suitable third party
guarantee, you should restrict your banking requirements to the branch where the loan is
proposed to be taken.
Salient Features
Loan Amount
Your personal loan limit would be determined by your income and repayment capacity.
Minimum: Rs.24,000/-
Maximum : 12 times Net Monthly Income for salaried individuals and pensioners and 1
year's net annual income in case of self employed professionals with the under noted
ceilings.
For Salaried individuals and self employed professionals: Rs.2.5 lacs (Rs.5 lacs in New
Delhi, Chennai, Bangalore, Hyderabad, Mumbai and Kolkata and can be further
increased to Rs.10 lacs if the self-employed professional maintains a satisfactorily
conducted account with our branch or the salary of individual is regularly credited to
their account with our Bank)
For pensioners: Rs.1.5 lacs
For members of business community: Rs.3.0 lac or 1 year’s net annual profit during the
preceding financial year, whichever is lower.
Documents Required
For existing bank customers
• Copy of Passport (for overseas travellers)
• Copies of Rail-tickets/Bus tickets/Air tickets and visas(for overseas travellers)
• Copy of consolidated invoice containing ticket charges, insurance charges, other
sundry charges, etc.

LOANS EVERY
MAN’S NEED TODAY
• For salaried individuals Latest salary slip and Form 16, for Self-employed
individuals and Professionals IT returns for the last two financial years.
• Proof of Professional Qualification (for self employed professionals)
• Copy of highest Professional degree held
For New Customer:
Important documents to be furnished while opening a Personal Loan Account:
 Proof of Identity
 Copy of Passport (for overseas travellers)
 Copies of Rail-tickets/Bus tickets/Air tickets and visas(for overseas
travellers)
 Passport size photograph
 For salaried individuals Latest salary slip and Form 16 for Self-employed
individuals and Professionals IT returns for the last two financial years.
 Proof of Residential address, this can include home and establishment
certificate/Lease deed/Telephone Bill.
 Proof of Professional Qualification (for self employed professionals)
· Copy of highest Professional degree held
Margin
SBI do not insist on any margin amount.
Interest Rates
3% above SBAR Floating i.e.13.75% p.a.
Repayment
The loan is repayable in a maximum of 48 EMI. You are allowed to pay more than the
EMI if you wish to, without attracting any prepayment penalty.
Security
No security is needed except in the case of members of business community where
suitable third party guarantee is required.

LOANS EVERY
MAN’S NEED TODAY
CAR LOAN
Move ahead in life with SBI Car Loans! If you have been putting off purchasing that car,
they invite you to go through their Car Loans scheme.
Low interest rates, easy repayment options, total transparency, Low processing charges,
finance to include vehicle registration charges, insurance and one time road tax.
Well, what are you waiting for? Just step in to any of our branches (more than 6000) that
offer Car Loans or our Personal Banking Branches and give wheels to your desire!
You can apply for an SBI Car Loan to purchase :
• A new car, jeep, Multi Utility Vehicle (MUV) or SUV (any make or model)
• An old car / jeep / MUV /SUV (not more than 5 years old). (any make or model)
Enjoy the SBI Advantage :
Excellent service and lower costs. A quick survey of similar schemes available elsewhere
and you will find that SBI Car Loans for new and old vehicles offer you
• Lowest interest rates
• Longer repayment period of upto 84 months.
• Low processing charges.

LOANS EVERY
MAN’S NEED TODAY
• No hidden costs or administrative charges.
• Finance for one-time road tax, registration fee and insurance premium
• No advance EMIs.(Some Banks/companies ask you to pay one or more EMIs at
the time of disbursement of loan, thereby effectively reducing your loan amount.)
• Complete transparency : We levy interest on daily reducing balance method.
When you pay one instalment, the interest is automatically calculated on the
reduced balance thereafter. When you pay interest on an annual reducing balance,
as charged by many other companies/banks, the interest amount for the coming
year is determined on the amount outstanding at the beginning of the year. You
continue to pay interest even on the amounts you repay during the year.
Purpose
You can take finance for A new car, jeep or Multi Utility Vehicles (MUVs)
An old car / jeep (not more than 5 years old).
(Any make or model)
Take over of existing loan from other Bank/Financial institution (Conditions apply)
Eligibility
To avail an SBI Car Loan, you should be
• Individual between the age of 21-65 years of age.
• A Permanent employee of State/Central Government, Public Sector Undertaking,
Private company or a reputed establishment or
• A Professionals or self-employed individual who is an income tax assessee or
• A Person engaged in agriculture and allied activities.
• Net Annual Income Rs. 75,000/- and above.
Salient Features
Loan Amount
There is no upper limit for the amount of a car loan. It is limited only by your repaying
capacity. A maximum loan amount of 2.5 times the net annual income can be sanctioned.
If married, your spouse's income could also be considered provided the spouse
guarantees the loan the loan amount includes finance for one-time road tax, registration
and insurance! Loan amount for used cars is subject to a maximum limit of Rs. 15 lacs.

LOANS EVERY
MAN’S NEED TODAY
Documents Required
You would need to submit only the following documents along with the completed
application form if you are an existing SBI account holder:
• Bank statement for the last 6 months
• Two passport size photographs
• Latest salary slip and Form 16, in the case of salaried persons
• IT returns for the last two financial years, in the case of self employed individuals
and professionals
If you are not an account holder with SBI you would also need to furnish documents that
establish your identity and give proof of residence.
Margin
New/used vehicles 15% when loan is upto Rs.6 lacs
30% when loan exceeds Rs.6 lacs
Repayment
You enjoy the longest repayment period in the industry with us.
Repayment period for new vehicles : Maximum of 84 months
Repayment period for old vehicles : Up to 84 months from the date of original purchase
of the vehicle.
Processing Fee
0.50% of Loan amount , to be paid upfront

LOANS EVERY
MAN’S NEED TODAY
EDUCATION LOAN
A term loan granted to Indian Nationals for pursuing higher education in India or abroad
where admission has been secured.
Eligible Courses
All courses having employment prospects are eligible.
• Graduation courses/ Post graduation courses/ Professional courses
• Other courses approved by UGC/Government/AICTE etc.
Expenses considered for loan
• Fees payable to college/school/hostel
• Examination/Library/Laboratory fees
• Purchase of Books/Equipment/Instruments/Uniforms
• Caution Deposit/Building Fund/Refundable Deposit
• Travel Expenses/Passage money for studies abroad
• Purchase of computers considered necessary for completion of course
• Cost of a Two-wheeler upto Rs. 50,000/-
• Any other expenses required to complete the course like study tours, project work
etc.

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Amount of Loan
For studies in India, maximum Rs. 10 lacs, Studies abroad, maximum Rs. 20 lacs
Interest Rate
For loans upto Rs.4 lacs - 11.00% p.a. Floating
For loans above Rs.4 lacs - 12.00% p.a. Floating
Processing Fees
• No processing fee/ upfront charges
• Deposit of Rs. 5000/- for education loan for studies abroad which will be
adjusted in the margin money
Repayment Tenure
Repayment will commence one year after completion of course or 6 months after
securing a job, whichever is earlier.
Place of Study Loan Amount
Repayment Period
in Years
In India
Up to Rs. 7.5 lacs 5-7
Above Rs. 7.5 lacs 5-10
Abroad
Up to Rs. 15 lacs 5-7
Above Rs. 15 lacs 5-10
Security
Amount Studies In India Studies Abroad
Upto Rs. 4 lacs No Security No Security
Above Rs. 4 lacs to
Rs. 7.50 lacs
Third Party
Guarantee
Third Party Guarantee
Above Rs. 7.50 lacs
to Rs. 10 lacs(India)/
Rs. 15 lacs(Abroad)
Tangible
Collateral
security for full
value of loan
Tangible Collateral
security of suitable
value of loan or third
party guarantee
Rs 15 lacs to Rs. 20 ___ Tangible Collateral

LOANS EVERY
MAN’S NEED TODAY
lacs
security for full value
of loan
Margin
• For loans up to Rs.4.0 lacs : No Margin
• For loans above Rs.4.0 lacs:
o Studies in India: 5%
o Studies Abroad: 15%
Documentation Required
• Completed Education Loan Application Form.
• Mark sheets of last qualifying examination
• Proof of admission scholarship, studentship etc
• Schedule of expenses for the specified course
• 2 passport size photographs
• Borrower's Bank account statement for the last six months
• Income tax assessment order, of last 2 years
• Brief statement of assets and liabilities, of the Co-borrower
Proof of Income (i.e. Salary slips/ Form 16 e

LOANS EVERY
MAN’S NEED TODAY
PROPERTY LOAN
A dream comes true! An ALL PURPOSE LOAN for anything that life throws up at
you!! Do you need funds for a Marriage ceremony, want to take your family to a well-
deserved holiday or for a sudden medical emergency? You have some property, but
would rather not sell it? Then why not avail of this ALL PURPOSE LOAN from SBI?
SBI now makes it very much possible for you to only keep your property but also have
liquid funds.
Enjoy the SBI Advantage
• Complete transparency in operations
• Access this loan from our wide network of branches
• Interest rates are levied on a monthly/daily reducing balance method
• Lowest processing charges.
• Long repayment period of 60 months, up to 120 months for salaried individuals
with check-off facility
•  No Hidden costs or administrative charges.
• No prepayment penalties. You can have surplus funds at any time thereby
conveniently reducing your loan liability and interest burden.
Property Loan Scheme
Avail of an All-Purpose loan against mortgage of any of your property. We offer you

LOANS EVERY
MAN’S NEED TODAY
these loans at all our Personal Banking Branches and those branches having Personal
Banking Divisions amongst others.
Eligibility
You are eligible if you are:
A. An individual who is;
a An Employee or
b. A Professional, self-employed or an income tax assesse or
c. Engaged in agricultural and allied activities.
B. Your Net Monthly Income (salaried) is in excess of Rs.12,000/- or Net Annual
Income (others) is in excess of Rs.1,50,000/-.
The income of the spouse may be added if he/she is a co-borrower or a guarantor.
C. Maximum age limit: 60 years.
Salient Features
Loan Amount
Minimum: Rs.25, 000/-
Maximum: Rs.1 crore. The amount is decided by the following calculation:
• 24 times the net monthly income of salaried persons (Net of all deductions
including TDS) OR
• 2 times the net annual income of others (income as per latest IT return less taxes
payable)
Margin
we will finance up to 75% of the market value of your property.
Interest
Term Loan 0.25% above SBAR. i.e.11% p.a. Floating
Current Account Overdraft 0.50% above SBAR. i.e.11.25% p.a. Floating

LOANS EVERY
MAN’S NEED TODAY
Repayment
Maximum of 60 equated monthly instalments, upto 120 months for salaried individuals
with check-off facility. You could opt to divert any surplus funds towards prepayment of
the loan without attracting any penalty.
LOAN TO PENSIONERS
If you are a Central or State Government pensioner drawing your pension through one of
our branches and are not more than 72 years of age, you can avail of a loan from your
branch to meet your personal expenses. We understand you may have an urgent or
unexpected need for funds or a family obligation to be fulfilled and appreciate your
association with us. You can avail a loan of up to a maximum of 12 months pension,
subject to a ceiling of Rs.1,00,000. The documentation is easy.
The loan may be repaid over 5 years and will carry a low interest rate of 10.75% p.a.
There are no processing fees, no hidden costs and no prepayment penalties.
Salient features of the Scheme:
Eligibility:
All Central and State Government pensioners, whose pension accounts are maintained by
our branches. The pensioner should not be more than 72 years of age.
Purpose :
To meet personal expenses .
Loan Amount :
A maximum of 12 months pension with a ceiling of Rs.1,00,000/-
Margin :
Nil
Security :
The spouse eligible for family pension should guarantee the loan or any other family
member or a third party worth the loan amount.

LOANS EVERY
MAN’S NEED TODAY
Repayment :
60 Equated Monthly Instalments (EMIs) – if age of Pensioner at the time of loan
sanction is upto 70 years
48 Equated Monthly Instalments (EMIs) – if age of Pensioner at the time of sanction is
between 70 – 72 years
Rate of Interest :
0.50% above SBAR Floating i.e. 11.25% p.a.
LOAN FOR EARNEST MONEY DEPOSIT
This product addresses the financial requirements towards Earnest Money Deposit to
book residential plots/ built-up houses/ flats being sold by Govt. Housing Agencies,
Urban Development Authorities like PUDA, HUDA and Housing Boards.
Scheme highlights
Easy availability of loan with minimum documentation.
Option to repay this loan from the proceeds of Housing Loan availed from SBI
Interest applied on daily diminishing basis.
No administrative charges or application fee.
Eligibility
Minimum age 21 years as on the date of sanction.
Steady source of income.
Maximum Loan Amount
Rs.100,000.
90% of application money, or
10 times Net Monthly Income of the applicant
Whichever is the least, subject to the following:
o One person can be financed only for one application at any point of time

LOANS EVERY
MAN’S NEED TODAY
o In case of applications in more than one name, incomes of all the applicants may
be taken into account
Security
Third party guarantee good for the loan amount.
Tangible security in the form of NSCs/ IVPs/ TDRs/ LIC policy/ SBI Life policy etc.
covering at least 50% of the loan amount.
Tangible security clause waiver considered in respect of permanent employees of
reputed public/ private sector organizations, where check-off is available.
Repayment
In case of unsuccessful applicants – on receipt of refund from the Housing Board/
Urban Development Authority.
In case of successful applicants – lump sum repayment of the loan out of Housing Loan
availed from us for purchase of house allotted to you or for construction of house on
the plot allotted.
No penalty for prepayment.
Rate of Interest
1% above SBAR, present effective rate of interest being 11.25% p.a.
Processing Fee
0.5% of the loan amount (minimum Rs.100/-)
Disbursement
The loan would be disbursed by issuance of draft/ banker’s cheque favouring the
concerned Government Agency.
Documents
Letter of allotment from the concerned Housing Agency, Urban Development
Authority or Housing Board

LOANS EVERY
MAN’S NEED TODAY
Photograph
Proof of Identity*
-Voters’ I-card/ Passport/ Driving License/ PAN Card etc.
Proof of residence*
-Passport/ Driving License/ PAN Card/ Ration Card
-Any other satisfactory proof of residence
Proof of Income
*not required if the applicant is maintaining an account with us
SCHOLAR LOANS
If you are enrolled in any of the Elite Medical,best Engineering or top B-Schools, State
Bank of India has a tailormade loan scheme to offer which is christened as SBI
SCHOLAR LOANS.
List of Institutions are as under:
1 IIT, Kanpur 2 IIT, Delhi
3 IIT, Mumbai 4 IIT, Chennai
5 IIT, Guwahati 6 IIT, Roorkee
7 IIT, Kharagpur 8 BITS, Pilani
9
Anna University,
Chennai
10
Delhi College of
Engineering, Delhi
11 IISc, Bangalore 12 IIM, Ahmedabad
13 IIM, Bangalore 14 IIM, Kolkata
15 IIM, Lucknow 16 XLRI, Jamshedpur
17
Jamnalal Bajaj,
Mumbai
18 FMS, Delhi
19 IIM, Indore 20 IIM, Kohzhikode
21 SP. Jain, Mumbai 22 NITIE, Mumbai

LOANS EVERY
MAN’S NEED TODAY
23 MDI, Gurgaon 24 XIM, Bhubaneshwar
25 NMINS, Mumbai 26 IIT-SJSOM, Mumbai
27 AIIMS, Delhi 28
Christian Medical
College, Vellore
29 AFMC, Pune 30 JIPMER, Pondicherry
FESTIVAL LOANS
It is the festive season!!! Is the unavailability of ready funds, dampening the
celebrations?
Avail of SBI's Festival Loan and bring back the cheer and celebrate in style!!! Hurry, the
gifts and the sweets are waiting….
SBI offers you the unique facility of Festival Loans to help you meet any kind of festival
related expenses.
Enjoy the SBI Advantage :
• Low interest rates, currently 13.25% p.a.(compare with the 15 - 30% p.a. charged by
others for personal loans/credit card companies.)
• Low processing charges; 1.10% of loan amount(inclusive of service tax) per
application.
• No hidden costs or administrative charges.
• No security required if check off is available….. which means minimal
documentation…. something that you had always wanted.
• No prepayment penalties.
Purpose
To meet any kind of festival related expenses.

LOANS EVERY
MAN’S NEED TODAY
Eligibility
You are eligible to avail a Festival Loan if you are:
An Employee of Govt., PSUs, profit making public/private limited companies/
institutions etc with a minimum of 2 years service OR
Self employed person with minimum 3 years standing/experience OR
A person having regular source of income from verifiable channels like Pension and
interest from TDRs/NSCs/Govt. Securities etc
You have a net monthly income of Rs.3000/- and above.
Your spouse's income can also be considered in calculating the loan amount provided
he/she guarantees the loan or the loan is taken jointly.
Loan Amount
Your festival loan limit would be determined by your income and repayment capacity.
Minimum : Rs.5000/-
Maximum : 4 times your Net Monthly Income, subject to a ceiling of Rs.50,000/-.
Documents Required
Passport Size Photograph
Proof of official address for self employed individuals and professionals. This can
include shop and establishment certificate/Lease deed/Telephone Bill.
Latest Salary Slip and Form 16, in the case of salaried persons IT returns for the last two
financial years, in the case of self employed individuals and professionals
Interest
3% above SBAR Floating i.e. 13.75% p.a
Repayment
You can repay the loan over a period of 12 months through Equated Monthly
Installments (EMI). Should you wish to deploy your surplus funds towards prepayment
of the loan, feel free to do so without any prepayment penalty.

LOANS EVERY
MAN’S NEED TODAY
Security
Personal guarantee of the spouse or any other person of adequate worth where check off
facility is not available.
Processing Fee
You need to pay only a nominal processing fee of 1.10% of the loan amount.
LOAN AGAINST SHARES DEBENTURE
• Do you need urgent cash but you don't wish to sell or liquidate your holding of
shares?
• Leverage your investments in shares, debentures, public sector bonds and
Government securities for loans to meet unforeseen expenses!! You need not
miss out on the next stock market boom!!
• Avail of loans up to Rs.20.00 lacs against your shares/debentures to enable you to
meet contingencies, personal needs or even for subscribing to rights or new issue
of shares.
Note: Loan will not be sanctioned for
1. speculative purposes
2. inter-corporate investments or
3. acquiring controlling interest in company/companies.
Enjoy the SBI advantage
• Low interest rates. Further, we charge interest on a daily reducing balance!!
• Low processing charges; only 1% of loan amount - compare with 1-3% of others.
• No hidden costs or administrative charges..

LOANS EVERY
MAN’S NEED TODAY
• No prepayment penalties. Reduce your interest burden and optimally utilize your
surplus funds by prepaying the loan.
The Scheme
Eligibility
This facility is available to our existing individual customers enjoying a strong
relationship with SBI. This loan could be availed either singly or as a joint account with
spouse in 'Either or Survivor'/ 'Former or Survivor' mode. It is offered as an Overdraft or
Demand Loan.
Salient Features
Purpose
For meeting contingencies and needs of personal nature. Loan will be permitted for
subscribing to rights or new issue of shares / debentures against the security of existing
shares / debentures. Loan will not be sanctioned for (i) speculative purposes (ii) inter-
corporate investments or (iii) acquiring controlling interest in company / companies.
Loan Amount
You can avail of loans up to Rs 20.00 lacs against your shares/debentures.
Documents Required
You will be required to submit a declaration indicating :
• Details of loans availed from other banks/ branches for acquiring shares/
debentures.
• Details of loans availed from other banks/ branches against security of shares/
debentures
Margin
You will need to provide a margin amount of 50% of the prevailing market prices of the
shares/ non-convertible debentures being offered as security. (The market prices refer to
the prices in the Stock Exchanges as reported in the Economic Times.)

LOANS EVERY
MAN’S NEED TODAY
Interest
0.25% below SBAR Floating i.e. 10.50% p.a.
Repayment Schedule
To be liquidated in maximum period of 30 months through a suitable reducing DP
programme.
In case of a default or if the outstanding is over Rs.20.00 lacs, the shares/debentures will
be transferred in the name of the Bank.
Security:
Pledge of the demat shares/debentures against which overdraft is granted.
ICICI BANK
(INDUSTRIAL CREDIT AND INVESTMENT CORPORATION OF INDIA)
HISTORY OF ICICI
The ICICI incorporated as the initiative of the World Bank, the government of
India and the Indian industry, with the objective of creating financial institution for
providing medium and long term project financing to Indian business. Mr. A.
Ramaswami Mud liar elected as a first chairman of ICICI. ICICI emerges as the major
source of loans to Indian industry. Besides funding from the World Bank and other multi
lateral agencies, ICICI also among the first Indian companies to raise funds from
international markets.ICICI was the second entity to set up merchant banking services.
ICICI was the first institution to receive ADB loans. It was the first institution to make
public issue by an Indian entity in the Swiss capital markets. In 1986 ICICI set up as as a
bank. In 1997 the name “industrial credit and investment corporation of India” was
changed to “ICICI limited”. In 1999 ICICI launches retail finance i.e. car loans, house
loans and loans for consumer durables. In 2000 ICICI bank became the first commercial
bank from India to list its stock in NYSE.

LOANS EVERY
MAN’S NEED TODAY
ICICI is Indians second largest bank. The bank has a network of about 573
branches and extension counters and over 2000 ATMs. ICICI bank originally promoted
in 1994 by ICICI limited, an Indian financial institution, and was its wholly owned
subsidiary.
ICICI TODAY
Today, ICICI bank offers a wide range of banking products and financial service
to corporate and retail customer through a variety of delivery channels and through its
specialized subsidiary and affiliates in the areas of investment banking, life and no life
insurance, venture capital and asset management.
LOANS PROVIDED BY ICICI BANK
• HOME LOAN
HOME EQUITY LOAN
LAND LOAN
OFFICE PREMISE LOAN
• PERSONAL LOAN
• CAR LOAN
• TWO WHEELER LOAN
• COMMERCIAL VEHICLE LOAN
• LOAN AGAINST SECURITIES
• FARM EQUIPMENT LOAN

LOANS EVERY
MAN’S NEED TODAY
• CONSTRUCTION EQUIPMENT LOAN
Home Loan
The No. 1 Home Loans Provider in the country, ICICI Bank Home Loans offers some
unbeatable benefits to its customers - Doorstep Service, Simplified Documentation and
Guidance throughout the Process. It's really easy !
Salient Features:
• Attractive interest rate
• Door-step service from enquiry stage till final disbursement
• Can transfer your existing high-interest rate loan
• Free personal accidental insurance
• Special 100% funding for select pro
Eligibility
Home loan
You must be at least 21 years of age when the loan is sanctioned.

LOANS EVERY
MAN’S NEED TODAY
The loan must terminate before or when you turn 65 years of age or before retirement,
whichever is earlier.
You must be employed or self-employed with a regular source of income.
Office premise loan
Home Equity Loans
The loan must terminate before or when you turn 65 years of age or before retirement,
whichever is earlier.
Your must be employed or self-employed with a regular source of income. You must be
the owner of a self-occupied property.
Land loan
.The loan must terminate before or when you turn 65 years of age or before retirement,
Which ever is earlier? .
You must be employed or self-employed with a regular source of income.
You must be purchasing a plot of land for residential use.
The purchase has to be from a development authority or from a registered co-operative
society.
The purchase of the land must be for the construction of a house.
The plot of land must be clearly demarcated with clear Office premise loan
Office premise loan
The loan must terminate before or when you turn 65 years of age.
You must be self-employed with a regular source of income.
The loan can be for the purchase / construction / extension of a non-residential property.

LOANS EVERY
MAN’S NEED TODAY
A loan for renovation or improvement will be given only at the time of acquisition of
property.
Professionally qualified and self-employed individuals (doctors, pathologists, chartered
accountants, cost accountants, company secretaries, architects, engineers, consultants,
lawyers, chemists) can apply.
A minimum of 3 year's work experience is must
Loan Amount
A number of factors are taken into account when assessing your repayment capacity.
Your income, age, number of dependants, qualifications, assets and liabilities, stability/
continuity of your employment / business is some of them.
However, there are ways by which you can enhance your eLoan Amount
A number of factors are taken into account when assessing your repayment capacity.
Your incomes, age, number of dependants, qualifications, assets and liabilities, stability/
continuity of your employment / business are some of them.
However, there are ways by which you can enhance your eligibility.If your spouse is
earning, put him/her as a co-applicant. The additional income shall be included to
enhance your loan amount. Incidentally, if there are any co-owners they must necessarily
be co-applicants.
Did you know that your fiancée's income can also be considered for sanctioning the loan
on your combined income? The disbursement of the loan, however, will be done only
after you submit proof of your marriage.
Providing additional security like bonds, fixed deposits and LIC policies may also help
to enhance eligibility.
While there is no need for a guarantor, it could be that having one might enhance your
credibility with us. If so, our loan officer would provide you with the necessary details.

LOANS EVERY
MAN’S NEED TODAY
The final amount to be sanctioned will depend on your repayment capacity. However,
what you ultimately are entitled to will have to conform within the limits fixed for each
loan.
Also, when the company looks at the total cost, registration charges, transfer charges an
stamp duty costs are included.
Sanctioning
Documents
• Bank statement for the last six months.
• Income Documents e.g. Latest Form 16, Certified IT returns for latest 3 years.
• Admin Fee cheque.
• Loan Enclosure letter.
Other Documents
For Individual Borrowers:
Photo Id Proo, Residence Address Proof
For Non Individual Borrowers:
Id Proof, office address proof.
These are the documents required for sanctioning a loan. You may be
asked to submit further legal documents if required by ICICI Bank or its approved
lawyers.
Do retain photocopies of all documents being submitted by you.ligibility experience is a
must.
Disbursement

LOANS EVERY
MAN’S NEED TODAY
Your loan will be disbursed after you identify and select the property or home that you
are purchasing and on your submission of the requisite legal documents.
While you may be under the impression that the list of documents asked for is rather
extensive, please note that it is for your own good. Each and every single document
asked for will be verified and checked to ensure your safety.
This may take some time but we want to ensure a clear title and will complete all the
legal and technical verifications to ensure that you have full rights to your home.
The 230 A Clearance of the seller and / or 37I clearance from the appropriate income tax
authorities (if applicable) is also needed.
On satisfactory completion of the above, on registration of the conveyance deed and on
the investment of your own contribution, the loan amount (as warranted by the stage of
construction) will be disbursed by ICICI Bank.
The disbursement will be in favour of the builder/seller.
. Standard Interest Rates for Resident Indians
The interest rate on ICICI Bank Home Loans is linked to the ICICI Bank Floating
Reference Rate(FRR)/PLR. As per earlier communication, FRR/PLR was increased by
0.5% on May 8th
, 2006. Consequently interest rate for all customers under Adjustable
Rate Home Loans (ARHL) also went up by 0.5%. Subsequent to this change, as per
recent announcement, the FRR/PLR has been further increased by 0.5% effective from
June 15th
, 2006. For all the Adjustable Rate Home Loan customers, both the above
changes will be effective from July 1st
, 2
Description of Charges Home Loans
Loan Processing Charges /
Renewal Charges
Home Loans : 0.5% processing /admin
fee or Rs. 2000/- whichever is higher
Loan OD against Property or Office
Premises Loans : 1% of loan amount or
Rs. 2,000/- whichever is higher
Prepayment Charges
2 % on the principal outstanding on full
prepayment
Solvency Certificate NA

LOANS EVERY
MAN’S NEED TODAY
Charges for late payment
(loans)
Home Loans : 2% per month Home OD :
1.5% of the outstanding amount subject
to minimum of Rs. 500/- & Maximum of
Rs.5000/-
Charges for changing from
fixed to floating rates of
interest
1.75% on principal oustanding
Charges for changing from
floating to fixed rates of
interest
1.75% on principal oustanding
Cheque Swap Charges Rs. 500/-
Document Retrieval
Charges
Rs. 500/-
Cheque bounce charges Rs. 200/-
Repayment tenure
Home Equity Loans - Maximum loan tenure of 15 years.
Office premise loan - Maximum loan tenure of 15 years.
Home loan - Maximum loan tenure of 30 years
How is loan repaid?
Loan is repaid through equated monthly installments (EMI).
EMI refers to equated monthly installments. it is a fixed amount which you pay every
month towards your loan. it comprises of both principal repayment and interest
repayment. EMI payments start from the month following the month in which the full
disbursement has been made.
The EMI is to be paid every month through post-dated cheques (PDCs) or Electronic
Clearing System (ECS)*. If you are opting for PDCs, then you will have to provide 36
PDCs upfront. The PDCs are to be dated on the 1st of every month. However, if you
receive your salary a few days later, no problem.

LOANS EVERY
MAN’S NEED TODAY
Application Process
The moment you decide to buy a home, you can put in your application. Yes, you can
apply for a loan even before you have selected the property.
The property need not even be in the same city where you are residing. The only
condition being that ICICI Bank has home loan operations in both the cities.
Should there be a change in your financial status or plans, you can withdraw your
sanction within 6 months of approval.
However, we are always ready to assist our customers in the event of legitimate
problems. And, we might reconsider this if we find that there are satisfactory reasons for
the delay.
And, neither would we charge you extra for this delay.
If it is refinancing you are interested in, it is possible within 6 months from the date of
purchase of propert
Personal Loans
If you're looking for a personal loan that's easy to get, your search ends here. ICICI
Bank Personal Loans are easy to get and absolutely hassle free. With minimum
documentation you can now secure a loan for an amount up to Rs. 15 lakhs.For all your
Personal Financial needs. With an ICICI Bank Personal Loan you can get instant money
for a wide range of your personal needs like Renovation of your Home Marriage in the
Family, A holiday with your family Your child's education Buying a Laptop or a home
theatre, Medical expenses or any other emergencies Whatever be the reason, you no
longer need to hold yourself back., just choose an ICICI Bank Personal Loan and put all

LOANS EVERY
MAN’S NEED TODAY
your worries to rest. Now that's not all, getting a personal loan has never been easier. To
secure one, all you need is ONE of the following:
• A Salary Slip
• Your Credit Card statement
• Repayment Track of an existing loan.
Salient features of an ICICI Bank Personal Loan:
• Loans available for both salaried & self employed individuals
• No Security, Collaterals or Guarantors required
• Loans ranging from Rs. 20,000 to Rs. 15 Lakhs.
• Easy repayment through flexible EMI options ranging from 12 - 60 months
Eligibility
Criteria Salaried Self - Employed
Age 25 yrs. - 58 yrs. 25 yrs. - 65 yrs.
Net Salary Net annual income -
Rs. 96,000 p.a
Net Profit after tax - Rs.
60,000 p.a
Eligibilty Employees of Public
Ltd. cos. , Private Ltd.
cos. MNCs Or
Government.
Doctors, MBA's,
Architects, CA's,
Engineers, Traders &
Manufacturers
Years in current
job / profession
1 Year 3 Years
Years in current
residence
1 Year 1 Year
Documentation
Documents ( Pre Sanction) Salaried
Self
Employed
Latest 3 months Bank Statement (where
salary/income is credited)
Yes Yes
Latest 2 salary slips Yes
Last 2 years ITR with computation of
income / Certified Financials
Yes

LOANS EVERY
MAN’S NEED TODAY
Proof of Turnover (Latest Sales / Service
tax returns)
Yes
Proof of Continuity current job (Form
16 / Company appointment letter )
Yes
Proof of Continuity current profession
(IT Returns / Certificate of business
continuity issued by the bank)
Yes
Proof of Identity (any one)Passport /
Driving License / Voters ID / PAN card /
Photo Credit Card / Employee ID card
Yes Yes
Proof of Residence (any one) Ration
Card / Utility bill / LIC Policy Receipt
Yes Yes
Proof of Office (any one) Lease deed /
Utility bill / Municipal Tax receipt / title
deed
Yes
Proof of Qualification Highest Degree
(for Professionals / Govt employees
Yes Yes
Service Charges
• A processing fee of 2% of the loan amount is applicable. These fees are deducted
upfront from the disbursement amount.
• Prepayment of the loan is possible after 180 days of availing the loan.
• Foreclosure charges as applicable would be levied on the outstanding loan.
• Part pre-payment is not allowed.
• No other fees or commitment charges are levied
Description of Charges Personal Loans
Loan Processing Charges / Renewal
Charges
2* % of loan amount
Prepayment Charges
5% on the principal
outstanding
Solvency Certificate N.A.
Charges for late payment (loans) 2% per month
Charges for changing from fixed to floating
rates of interest
N.A.

LOANS EVERY
MAN’S NEED TODAY
Charges for changing from floating to fixed
rates of interest
N.A.
Document Retrieval Charges N.A.
Service Tax and other govt. taxes, levies, etc. applicable as per prevailing rate are charged over
and above these charges
* - Up to 5% for select categories
Application Process
You have the option of applying online for a personal loan. An ICICI Bank Ltd.
representative will contact you to service your loan requirements.
On receiving the completed application form with the requisite documents, ICICI shall
process your loan within 3 working days.
.
Car Loans
ICICI is the NO 1 financier for car loans in the country.ICICI has Network of more than
1500 channel partners in over 780 locations. Tie-ups with all leading automobile
manufacturers to ensure the best deals. Flexible schemes & quick processing.
The # 1 financier for car loans in the country. Network of more than 1800 channel
partners in over 1000 locations.
Tie-ups with all leading automobile manufacturers to ensure the best deals.
Flexible schemes & quick processing. .

LOANS EVERY
MAN’S NEED TODAY
Eligibility
Particulars
Salaried
Individual
Self-
Employed
Individual
Partnership
Firm
Private /
Public
Ltd Co
Age
Criteria
The
applicant
should be
atleast 21
years old at
time of
application,
and below
60 years of
age at time
of maturity
of the loan
Any
Proprietor,
partner,
professional
or director
above 21
years of age
but below
65 at the
time of the
loan's
maturity
-
Limited
companies
should
have been
in
existence
for at least
2 years
Loan Amount
Car Loans
New car
• We finance upto 95% of the ex-showroom cost of the car.
• The Loan amount also depends on the car model. Higher loan amounts are
available under specific enhanced income eligibility criteria.
• Minimum loan amount for new car Loan is Rs.1 lac.
For a used car,
• we finance up to a maximum of 90% of the valuation of the car
• Minimum loan amount for a used car loan is Rs. 75000/-
Loan Enhancement

LOANS EVERY
MAN’S NEED TODAY
• To enhance your loan amount, the certified income of the co-applicant can be
considered, if requested by the applicant.
• The co-applicant can be the spouse or son/daughter living in the same city.
• Similarly, in case of a partnership firm or a limited company one of the partners
or a director can be taken a co-applicant / guarantor for increasing the loan
amount
• However, in both cases, the asset has to be registered in the name of a single
owner, not joint ownership.
Service Charges
Car Loans
• We offer most competitive interest rates in the industry.
• Interest rates depend on Car model, Loan Tenure, Customer & Location.
• Interest is calculated on a monthly reducing balance
Description of Charges Car Loans
Loan Processing Fees Charges /
Renewal Charges
Rs 650/-
Stamp Duty Actuals
Prepayment Charges
5% on the principal
outstanding
Charges for changing from fixed to
floating rates of interest
N.A.
Charges for changing from floating to
fixed rates of interest
N.A.
Application Process

LOANS EVERY
MAN’S NEED TODAY
• You may contact the nearest ICICI Bank branch for the best deal available on the
car of your choice.
• You may also contact them by online or any of ICICI phone number
• ICICI representative will meet you at your convenience to assist you with the
documentation and other terms. The documents may be handed over to our direct
marketing associate/ dealer you are dealing with.
• The loan will be disbursed within one day of submitting all the required post-
sanction documents.
• If the vehicle is readily available with the dealer, you can get your car as soon as
the disbursal is made to the dealer. However ICICI Bank is in no way
responsible for car deliveries as they are regulated by the car manufacturer's
delivery schedules.
How to Repay
• Repayment tenure ranges from 1 year to 7 years for New Car Loans. Six Year
and Seven year loans are available for specific models.
• Maximum loan tenure for used car would depend on the age of the car. The car
should not be more than 8 years old at the time of maturity of the loan.
• You may change the tenure of the loan before the loan is disbursed. The interest
rate & EMI would change accordingly.
• The repayment due dates are 1st and 7th of every month and would depend on the
date of disbursement. Payment due dates cannot be changed.
• You can make the Payments through post-dated cheques (PDCs)
• Repayment option through Direct Debit Mandates is also available for all ICICI
Bank account holders.
• Option of repaying through ECS is also available in select cities.
• Payments through cash or credit cards are not accepted.
• You may change the PDC's in case your Bank Account is changed . However, we
would require verification of signatures by new banker. A nominal fee of
Rs.750/- (Swap Charges) would be charged for exchange of cheques.
• A full pre-payment of the loan is accepted. Part pre-payment is not allowed.

LOANS EVERY
MAN’S NEED TODAY
Service Tax will be charged as applicable.
• We charge pre-payment fee of 5% on the outstanding principal amount,Service
Tax will be charged as applicable.
• We charge Rs.250/-per bounced cheque.
Two Wheeler Loans
Avail attractive schemes at competitive interest rates from the No 1 Financier for Two
Wheeler Loans in the country . Finance facility upto 90% of the On Road Cost of the
vehicle, repayable in convenient repayment options and comfortable tenors from 6
months to 36 months . Ride home on your Dream Two Wheeler with ICICI hassle free
finance .
• ICICI Bank offers the Best Deals on Two Wheeler Loans.
• "Zoom" away in your favourite two wheeler. Avail attractive schemes at
competitive interest rates.
• Finance facility available for all two wheelers ranging from mopeds to motor
bikes.
• Now avail Finance upto 90%* of the On Road Cost of the vehicle, repayable in
convenient tenure options ranging from 6 months to 36 months*.
• Ride Easy Pay Easy with ICICI Bank Two Wheeler Loans.
• In an unlikely case of your not meeting our norms NO PROBLEM - you can still
avail our loan, any blood relative can be your co-applicant.

LOANS EVERY
MAN’S NEED TODAY
Loan Amount
ICICI fund motorbikes, mopeds, scooters and scooterettes.They are the preferred
financiers with Hero Honda, Bajaj, TVS, Honda Motors & Scooters, Yamaha,
Enfield, LML,Suzuki and Hero Motors.
Apply under any Loan Scheme from Rs.7500/- onwards to Rs.150000/- and pay in easy
installments over a period of 6 to 36 months.
They are present in over 1035 locations in India.Besides flexible & attractive finance
options, they offer you with very competitive interest rates, easy documentation and
speedy processing.
Repayment Facility of loan is available through
Post Dated Cheques presented on 5th and 10th of each month depending on the
disbursement date OR the Auto Debit Mandate (for ICICI bank account holders) & ECS
options.
Eligibility Criteria
Eligibility Salaried Self Employed
Minimum
Age
21 yr. 21 yr.
Maximum
Age*
60 yr. 65 yr.
Income For Loan amount < = Rs.
60000
A category cities -
(Mumbai, Delhi, Calcutta,
Hyderabad, Chennai and
Bangalore)
Minimum gross salary of
For self employed/
proprietorship
/partnership firm
For funding amount
<= Rs.50000, gross
income (PBDT) of
Rs.42k per annum as
per ITR and

LOANS EVERY
MAN’S NEED TODAY
Rs.5000/- per month for
funding amount
<Rs.45000
funding amount
>=Rs.45000
For B Category cities-
(All other cities excluding
"A" category cities)
funding < Rs. 45000
funding >=Rs.45000
For Loan amount > Rs.
60000
Gross salary to be Rs 7500
for all cities.
computation
Tax Challans
aggregating to
>15000(equivalent to
declared annual
income of Rs. 42000)
For funding amounts
> Rs.50000, gross
income (PBDT) of
Rs.60000 per annum
as per ITR and
computation
For Partnership
Firms:
Income is calculated
as: Net Profit +
remuneration to
Partners + interest on
partner's capital +
depreciation
Tax Challans
aggregating to >15000
For Private /Public
ltd. Co's:
Minimum PBDT of
Rs.60000
PBDT shall be

LOANS EVERY
MAN’S NEED TODAY
calculated as:
Net Profit +
Depreciation + Tax
( In all cases of
Partnerships or Pvt
ltd. Companies the
Partner/Director
would mandatory be
taken as a co
applicant )
*
Service Charges
Description of Charges Two Wheeler Loans
Loan Processing Charges / Renewal Charges
2.50 % of loan amount
(in select cities, it can
be upto 5%) or Rs.
750/- whichever is
higher
Prepayment Charges 4% on the principal
outstanding
Charges for late payment (loans)
2% per month
Charges for changing from fixed to floating
rates of interest NA
Charges for changing from floating to fixed
rates of interest NA
Cheque Swap Charges
Rs. 500/-

LOANS EVERY
MAN’S NEED TODAY
Document Retrieval Charges
NA
Cheque bounce charges
Rs. 200/-
Application Process
• .In case you visit the dealer of your choice you can contact their representative
present there to service your requests.
• If your application is approved conditionally, our representatives will be happy
to answer all your queries regarding the conditions.
• They sanction loans on completed applications within 24 hours.
• The product is hypothecated to ICICI Bank. Ltd. till the loan is repaid. ( ICICI
bank retains the right to the product till the loan is repaid). However, you still
remain the owner of it and the invoice will be in your name.
• In case you wish to withdraw your application once the loan has been
sanctioned, you can apply for cancellation of your loan by sending us a letter
asking for cancellation of application. If the loan has not been sanctioned, no
letter would be required.
• You are requested to deposit the Down Payment at the dealership counter.
• Service tax, as prevailing will be applicable on all fees and charges.
• Credit is at the sole discretion of ICICI Bank Ltd.
If your application is approved conditionally, their representatives will be happy to
answer all your queries regarding the conditions.
• They sanction loans on completed applications within 24 hours.
• The cheque, in favour of the dealership, is disbursed immediately after we
receive all the post-sanction documents from you.
• The product is hypothecated to ICICI Bank. Ltd. till the loan is repaid. ( ICICI
bank retains the right to the product till the loan is repaid). However, you still
remain the owner of it and the invoice will be in your name.
• In case you wish to withdraw your application once the loan has been
sanctioned, you can apply for cancellation of your loan by sending us a letter

LOANS EVERY
MAN’S NEED TODAY
asking for cancellation of application. If the loan has not been sanctioned, no
letter would be required.
• You are requested to deposit the Down Payment at the dealership counter.
Commercial Vehicle
Range of services on existing loans & extended products like funding of new vehicles,
refinance on used vehicles, balance transfer on high cost loans, top up on existing loans,
Xtend product, working capital loans & other banking products
Reaches you through more than 700 locations across the country.
Range of products under one umbrella.
Funding of products include, trucks, buses, tippers, light commercial vehicles, pick ups,
3 wheelers, etc.
Range of services: funding of new vehicles, refinance on used vehicles, balance transfer
on high cost loans, top up on existing loans, Xtend product, working capital loans &
other banking products..
• Preferred financier status with all leading manufacturers.
• Simple documentation.
• Quick turn around time.

LOANS EVERY
MAN’S NEED TODAY
• Flexible financing solutions to meet the individual requirement.
Eligibility
• Any individual / Partnership firm / company with more than 2 years business
experience.
• Ownership of a vehicle is not mandatory.
• Funding extended to First Time User, Transporters and Captive Consumers.
Loan Amount
Loan amount can vary from a few thousands to crores depending upon the specific
requirement.
Funding can be up to the extent of 100 % of the chassis, body funding can be extended
on special requirement & on the past experience.
Tie up with the leading manufacturers enables us to give the best deals to our customers.
Sanctioning
Loans are sanctioned for all fast-moving assets at locations where the ICICI Bank
infrastructure is available – be it direct or indirect or Direct Marketing Associates and
authorized distributors.
While we generally undertake Hypothecation funding, we also do Hypothecation
transactions. We also look into cases of taking over an old high-interest loan and
converting it into low interest loan. Once all the details are in their possession, the loan
can be sanctioned within 4 hours
Service Charges
The interest rates are fixed for the tenure of the contract and are calculated on a reducing
basis.
Description of Charges Commercial Vehicle Loans
Loan Processing Charges /
Renewal Charges
1% of loan amount or Rs. 2,000/-
whichever is higher
Prepayment Charges 4% on the principal outstanding

LOANS EVERY
MAN’S NEED TODAY
N.A.
Charges for changing from floating
to fixed rates of interest
N.A.
Repayment
In general repayment period is of 3 -4 years, however depending on the nature of the
deal the tenure can vary from 6 - 60 months.
Normally the repayment is done via PDC's or Auto Debit (In case of ICICI Bank account
holder).
Cheque bouncing charges would be as applicable.
The repayment schedule & the amortization schedule would be sent on disbursement of
the loan.
Foreclosure of the loan is allowed at a charge of 4 % on the principal outstanding.
In the event of an accident, our local representative needs to be informed of the same
Application Process
• You can apply online and even call at your nearest branch..
• There is no need for you to visit their office. All formalities will be completed at
your doorstep itself.
• Once all the details are in their possession, the loan can be sanctioned within 4
hours.
• As a policy they do not disclose the reasons for rejection.
• The asset will be hypothecated to ICICI Bank Ltd. Till the loan is repaid, ICICI
Bank Ltd retains the right to reposess the asset in case a customer does not repay
the loan.

LOANS EVERY
MAN’S NEED TODAY
• However, you are still the owner of it and the invoice will be in your name. All
the original papers will be kept in your possession and photocopies with ICICI
Bank Ltd.
Loans against Securities
A loan against Securities enables you to obtain loans against your securities. So you get
instant liquidity without having to sell your securities.
All you have to do is pledge your securities in favour of ICICI Bank We will then grant
you an overdraft facility up to a value determined on the basis of the securities pledged
by you. A current account will be opened and you can withdraw money as and when you
require. Interest will be charged only on the amount withdrawn and for the time span
utilized.
They offer loans against:
1. Demat Share
2. RBI Relief Bonds
3. Mutual Funds Units
4. ICICI Bank Bonds
5. Insurance Policies
6. UTI Bonds
7. NSC/KVP (In demat form only)
.
Eligibility

LOANS EVERY
MAN’S NEED TODAY
Shares
• Individuals (Residents and non-residents individuals) are permitted to apply.
• Hindu Undivided Families (HUFs), Limited Companies, Partnerships, Sole
Proprietors are excluded.
• Loans are granted only against the list of approved scripts, as determined by
ICICI Bank.
• The applicant should be in the age group of 18 to 75 years.
• The applicant should be a subscriber to telephone (landline) either at residence or
office.
RBI Bonds
• Individuals, Hindu Undivided Families (HUFs), Companies, Partnerships & Non
resident Indians are permitted to apply.
office.
Mutual Funds
• Individuals (Residents and non-residents individuals) are permitted to apply.
• The applicant should be a subscriber to telephone (landline) either at
residence or office.
ICICI Bank Bonds
• Only resident individuals are permitted to apply.
• The applicant should be a subscriber to telephone (landline) either at residence
or office.
Life Insurance Policies
• Only resident individuals are permitted to apply.

LOANS EVERY
MAN’S NEED TODAY
office.
For all the above
• The applicant should be a subscriber to telephone (landline) either at residence
or office.
Loan Amount
Shares
You are given a drawing power up to 50% of the value of the shares.
Since the market price of the scrips keep fluctuating, the scrips are revalued weekly
(every Friday), or more frequently if required, and the drawing power will be revised
accordingly. If the new drawing power is less than the outstanding in the current account,
the customer is required to put in the difference amount or pledge more shares to
regularize the account. Alternately, if the drawing power rises, the limit available to the
customer also automatically increases.
• Minimum loan amount is Rs 1 lakh.
• Maximum loan amount is Rs 20 lakh.
• The loan is applicable for a year and renewable at the end of each year.
Bonds
• The loan amount will depend upon the value of bonds and also the period left for
maturity
• Loan amount will be between 70% and 95% of the value of bonds.
Mutual Funds
• 50% lending on the NAV.
• Minimum loan amount is Rs.1 lakh.

LOANS EVERY
MAN’S NEED TODAY
• Maximum loan amount is Rs. 20 lakh.
ICICI Bank Bonds
• Minimum Loan amount is Rs.50000
• Maximum loan amount is Rs. 20 lakh
• Life Insurance Policies
• Minimum Loan amount is Rs.50000
• Maximum loan amount is Rs. 5 Crs.
Sanctioning
• Your loan will be sanctioned on completion of all the documents.
• You shall be required to fill the loan agreement and complete the account
opening formalities
In any of the following cases no residence cum identity proof is required:
• Account introduced by ICICI Bank Staff.
• Introduction by an existing bank customer.(Existing customer to have a
satisfactorily conducted account for at least 6 months)
• Letter from existing banker obtained in standard format.
• Customer existing account holder of bank for more than 6 months.
You will be able to enjoy all the benefits of a current account such as a
• A personalized cheque book
• ATM card
• Mobile banking facility
• Phone banking facility
Service Charges
• Interest is charged only on the amount drawn and for the period that it is utilized.
• The interest is debited to your current a/c on the last day of every month.

LOANS EVERY
MAN’S NEED TODAY
• The stamp duty varies in accordance with the stamp duty rates of the respective
states.
Description of Charges
Loans Against
Shares
Loan Processing Charges / Renewal Charges
0.50% of loan
amount
Prepayment Charges No pre payment
charges
Charges for late payment (loans)
2% per month
Charges for changing from fixed to floating rates
of interest NA
Charges for changing from floating to fixed rates
of interest NA
Cheque Swap Charges
NA
Document Retrieval Charges
NA
Farm Equipment Loans
Preferred financier for almost all leading tractor manufacturers in the country.
Financing farm equipments in over 381 locations spread across the country.
Fast processing of files with easy documentation.
Flexible repayment options in tandem with the farmer's seasonal liquidity.
Monthly, Quarterly and Half-yearly and Yearly repayment patterns to choose from.
Comfortable repayment tenures from 1 year to 9 years.
Eligibility
Agricultural Users
Any individual aged above 21 years at the beginning of the tenure and below 65 years
by the end of the tenure; involved in agriculture for the last 5 years.
1. Having minimum 2 acres of land with its value at least twice the loan amount.
2. Staying in the same place for at least 3 years.
3. Having an annual income equal to the yearly installment
4. Mortgage of land of 2 to 3 times of the loan amount

LOANS EVERY
MAN’S NEED TODAY
5. For non mortgage deals, the finance amount is based on the income levels of the
customer and the tenure desired
Commercial Users
Any individual aged above 21 years at the beginning of the tenure and below 65 years
by the end of the tenure; involved in business for the last 3 years.
1. Owns at least one tractor or commercial vehicle.
2. Owns either a house or an office or at least 2 acres of land.
3. Has a permanent phone connection either at office or at home.
Guarantor
In case the applicant is not able to meet the eligibility norms on his own, the proposal
can be strengthened by a guarantor who could be any known person of the applicant
staying in the same village having an earlier good track record or owning land at least 1.5
times the loan amount.
In case the land of the applicant is mortgaged, in agricultural deals, guarantor is not
required.
Loan Amount
The loan amount varies from customer to customer depending on the valuation of the
land being mortgaged, income of the customer and tenure desired for. We fund a
maximum of 100% of the cost of the tractor, 75% of the cost of the trailer and 50% of
the cost of the implements.
Documentation
The following documents are required from the applicant:
Agricultural use
1. Application form with photograph of the customer and all co applicants and/or
guarantor.
2. Proforma Invoice of the asset to be funded from an authorized dealer.
3. Land records of the borrower/s.
4. Land valuation and title search report of the land.
5. Residence proof of the borrower/s.
6. Identity proof of the borrower/s.

LOANS EVERY
MAN’S NEED TODAY
7. Signature verification of the borrower/s.
8. Loan agreement, duly signed by the applicants and guarantor.
9. 2 SPDCs (Security Post Dated Cheques) for entire tenure.
Commercial Use
1. Application form with photograph of the customer and all co applicants and/or
guarantor.
2. Proforma Invoice of the asset to be funded from an authorized dealer.
3. Proof of Income (any of the following):
- Billing statement for the past one year
- Latest Income tax Return
- Last 6 months bank statement
4. Residence proof of the borrower/s.
5. Identity proof of the borrower/s.
6. Signature verification of the borrower/s.
7. Loan agreement, duly signed by the applicants and guarantor.
8. 2 SPDCs (Security Post Dated Cheques) for entire tenure.
In case the customer has earlier availed of a loan from any bank/finance company,
providing the track record of the loan repayment can significantly improve the credit
assessment of the customer.
Loan Approval
Our large network of sales and verification personnel ensure that your loan is approved
in the fastest time possible. We have our Credit Managers stationed at all important
locations that will ensure that your loan gets approved within no time.
This localized approval is one of the main factors which allow us to give a fast and
consistent service to our dealers and customers.
Rates & Fees
The rate of interest varies from customer to customer and depends on various factors like
land holding, loan amount, viability of the proposition and the underlying collaterals

LOANS EVERY
MAN’S NEED TODAY
provided. Our customer service agent will be able to guide you and ensure that you get
the best possible rate of interest.
Repayment
Repayment can be scheduled over a period of 1 year to 9 years.
Repayment can be done through post dated cheques or by depositing cash/demand drafts
at the nearest ICICI Bank Farm Equipment office on the due date.
There is a penalty for late payment of dues.
The loan can be foreclosed at any point of time; a foreclosure charge of 3% of principal
outstanding will be charged.
Application Process
The easiest way to apply for a tractor loan is to visit your nearest tractor dealer who has
tied up with ICICI Bank for extending finance. He will be able to help you with the best
finance options to suit your requirements
Construction Equipment Loans
Having funded infrastructure for over 4 decades, ICICI understand the need of the
customers better.
ICICI Bank offers attractive financial packages through our excellent distribution
network.
Their products are customized for new entrepreneur to large business houses.
They have tie-up with leading construction equipment manufacturers for wide range of
products.
They take over existing high cost loans at competitive terms resulting in huge savings.
Quick processing due to easy formalities and one time sanction of loans for
disbursement over a period of time.
Financing Options

LOANS EVERY
MAN’S NEED TODAY
• New Equipment Finance – ICICI finance any kind and brand of construction
equipment once the manufacturer meets our minimum evaluation criteria in terms
of quality of the product, ability to service and customer feedback about the
product.
• First Time Users – ICICI finance new entrants with minimum approval
procedures.
• Hiring Segment – ICICI finance Plant Hirers who buy and lend equipments to
contractors for projects.
• Refinance – ICICI finance instant liquidity to meet urgent business and financial
needs.
• Switch Loans – ICICI take over existing high cost loans at competitive terms
resulting in huge savings.
• Repurchase Loan – ICICI finance buyers of second hand equipment / used
equipment. They must meet the norms of ICICI Bank.
• Genset – ICICI extend loans against purchase of Gensets subject to the
transaction proposed meeting the policy norms of ICICI Bank.
• Working Capital Loan – We extend Working Capital Loans to Small and
Medium Enterprises to take care of their working capital requirements.
Eligibility
• You should be construction companies or contractors with 3 yrs of relevant
experience.
• Individuals / Firms / Companies in hiring of construction equipments for
minimum period of three years.
• You can also be an entrepreneur with an individual of the above profile as co-
applicant who enjoys the above status.
Loan Amount
• A number of factors are taken into account while deciding the loan amount.
• Once you satisfy the eligibility criteria factors like purpose of loan, financial
strengths to repay, assets and liabilities, stability and past financial and banking
records the loan amount is decided.

LOANS EVERY
MAN’S NEED TODAY
• The minimum loan amount is Rs.1, 00,000; the maximum loan amount depends
on your profile and credit strengths.
Sanctioning
Once all details are in their possession, the loan can be sanctioned.
The documentation requirement depends upon the financing option and the eligibility
criteria while the right of rejection will remain with ICICI Bank Ltd.
Individual - Your Residence & Office proof, Last six month bank statement, List of
contracts in hand, Copy of the contracts in hand, Statement of accounts of your existing
financiers, IT Returns if available for 3 years, List of equipments presently owned with
details of free and finance details, a brief note about your profile.
Partnership Firms - Your Office proof, List of contracts in hand, Copy of the contracts
in hand, Statement of accounts of your existing financiers, Audited Financials for last
three years, List of equipments presently owned with details of free and financed assets,
a brief note about your profile.
Corporate houses - Your Office proof, List of contracts in hand, Copy of the contracts
in hand, Statement of accounts of your existing financiers, List of equipments presently
owned with details of free and financed assets, audited financials for last three years and
brief note about your profile. Disbursements
Your loan will be disbursed after you have identified and decided on the equipment
required to your satisfaction and on submission of the requisite legal documents post our
approval.
Service Charges
• They are dependent on the tenure, loan amount and the customer profile.
• Their rates are one of the most competitive in the market. faction and on
submission of the requisite legal documents post our approval.
Repayment

LOANS EVERY
MAN’S NEED TODAY
• Loans taken from ICICI Bank Ltd. can be repaid subject to meeting criteria.
Certain queries for repayment have been answered as under for clarity on
repayment. Cash / Post dated cheque / Direct Mandate from principal / Standing
instruction to the bank.
Application Process
You can apply online for Construction Equipment loan and ICICI will ensure that their
representative visits you.All formalities will be completed at your door-steps.
Description of Charges
Construction Equipment
Loans
Loan Processing Charges / Renewal
Charges
1% of loan amount
Prepayment Charges
4% on the principal
outstanding
N.A
ANSWERS ON LOAN PROVIDED BY SBI BANK
1. Which are the different loans provided by state bank of India?
Ans: The different loans provided by SBI is housing loan, car loan, education
Loan, pension loan, etc.
2. Which kind of loans is provided short term loans or long term loans?
Ans: Both short term and long term loans are provided by SBI.
3. Which are the short term loans provided by your bank?
Ans: Short term loan provided by SBI is personal loan, gold loan and demand loan
4. From where does the bank take fund for the purpose of funding the loan?
Ans: The bank uses public deposits for the purpose of funding for the loan.
5. Which loan is much popularly used or demanded by public more?

LOANS EVERY
MAN’S NEED TODAY
Ans: Housing loan is much popularly demanded by public.
6. Which are the main documents required for issuing the loan?
Ans: Identity proof, Proof of residence, Pan Card is some of the main documents
required for issuing loan.
7. Which types of interest rate is taken by the public more fixed or floating interest
rate?
Ans: Fixed rate of interest is taken more by public while issuing for loan.
8. Does floating interest rate fluctuation only depends on the market fluctuation?
Ans: For SBI floating rate fluctuation depends on SBI bank advances
.
9. Who are eligible for taking the loan?
Ans: Any person above the age of 18 is eligible for applying for loan.
10. Who determine the PLR (Prime lending rate) in case of fixed interest rate?
Ans: Reserve bank of India determines the PLR in case of SBI
.
11. Does state bank of India provide agriculture loan?
Ans: Yes SBI provides agriculture loan.
12. Does SBI provide corporate loan?
Ans: Yes SBI provides corporate loan.
13. What is value added services provided by state bank of India?
Ans: Value added service provided by SBI is internet banking, email banking,
phone banking and ATM service

LOANS EVERY
MAN’S NEED TODAY
ANSWERS ON LOANS PROVIDED BY ICICI BANK
1. Which are the different loans provided byICICI?
Ans: There are various loans like home loan, car loan, personal loan, equipment
loan etc.
2. Which kind of loans is provided short term loans or long term loans?
Ans: long term loans are provided than short term loans.
3. Which are the short term loans provided by your bank?
Ans: No short term loans are provided.
4. From where does the bank take fund for the purpose of funding the loan?
Ans: Bank takes funds from deposits for the purpose of funding for loans.

LOANS EVERY
MAN’S NEED TODAY
5. Which loan is much popularly used or demanded by public more?
Ans: Housing loan is much popularly demanded by public.
6. Which are the main documents required for issuing the loan?
Ans: Proof of identity, proof of residence, pan card is main documents required
for issuing loan.
7. Which types of interest rate is taken by the public more fixed or floating
Rates?
Ans: For home loan floating and rest of all loans fixed rate of interest is taken.
8. Does floating interest rate fluctuation only depends on the market fluctuation?
Ans: Interest rate fluctuation not only depends on market rate but also on bank
advances.
9. Who are eligible for taking the loan?
Ans: Any person above 18 who is capable to repay the loan is eligible.
10. Who determine the PLR (Prime lending rate) in case of fixed interest rate?
Ans: RBI determines the PLR.
11. Does ICICI provide agriculture loan?
Ans: Yes.
12. Does ICICI provide corporate loan?
Ans: Yes
13. What is value added services provided by ICICI
Ans: Value added services like FD against home loan, insurance on your personal
loan, personal loan with in 30 minutes, and also interest rate benefit.

LOANS EVERY
MAN’S NEED TODAY
SURVEY ON LOANS
THIS INFORMATION HAS BEEN TAKEN FROM GENERAL PUBLIC
OF ALL AGE GROUP ABOVE 18.
1. WHICH BANK DO PEOPLE MORE PREFER TAKING LOAN FROM?
SBI OR ICICI

LOANS EVERY
MAN’S NEED TODAY
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
SBI ICICI
SBI
ICICI
THIS INDICATE THAT PEOPLE PREFERENCE OF TAKING LOAN FROM
SBI AND ICICI IS EQUAL, AS BOTH ARE WELL KNOWN AND REPUTATED
BANK PEOPLE EASILY RELY ON THEM.

LOANS EVERY
MAN’S NEED TODAY
2. WHICH BANK DO PEOPLE MORE BELIEVE IN TAKING LOAN FROM?
PRIVATE BANK OR NATIONALIZED BANK
0%
10%
20%
30%
40%
50%
60%
70%
80%
NATIONALIZE
D BANK
PRIVATE
BANK
THIS INDICATE THAT PEOPLE ARE GIVING MUCH IMPORTANCE TO

LOANS EVERY
MAN’S NEED TODAY
NATIONALIZED BANK AS IT A GOVERNMENT BANK AND PEOPLE ARE
MUCH CAN ALWAYS RELY ON THEM.
3. WHICH LOAN WOULD PEOPLE MORE PREFER TO TAKE?
HOME LOAN OR EDUCATION LOAN OR CAR LOAN OR PERSONAL
LOAN

LOANS EVERY
MAN’S NEED TODAY
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
50%
HOME LOAN
EDUCATION
LOAN
CAR LOAN
PERSONAL
LOAN
THIS BAR SHOWS THAT MAJORITY OF PEOPLE LIKE TO TAKE HOME
LOAN AS IT IS THE MOST IMPORTANT TYPE OF INVESTMENT WHICH
PEOPLE WOULD LIKE TO MAKE TAKING A LOAN .
4. WHICH IS THE NATURE OF INTEREST RATES WHICH PEOPLE PREFER?
FIXED OR FLOATING

LOANS EVERY
MAN’S NEED TODAY
0%
10%
20%
30%
40%
50%
60%
70%
80%
FIXED RATES
FLOATING
RATES
THIS BAR INDICATES THAT 80% PEOPLE PREFER TO TAKE FIXED RATE
OF INTEREST AS FLOATING RATE OF INTEREST CAN FLUCTUATE ANY
TIME CREATING A BURDEN ON PEOPLE.

LOANS EVERY
MAN’S NEED TODAY
CONCLUSION
By concluding we can say that loans are one of integral part in most of our lives. As
many people are opting for loans today. Bank provides loans for each and every thing.
Housing loan is most widely taken loan by people in the present scenario, as it is difficult
to purchase a home with out taking loan. Today, if all banks take back the money they
have given to the business almost every business would die at the very same moment.
So, bank loan is like petrol in the car in today modern scenario. Loans are like the
children’s of deposits, because if people do not deposit then it is difficult for bans to
provide loans to their customers. No doubt bank charges a fair amount of interest, but is
good for a common man to take loan and make an investment of life time.

LOANS EVERY
MAN’S NEED TODAY
BIBILIOGRAPHY
WEBSITES
• WWW.STATEBANKOF INDIA. COM
• WWW.ICICI. COM
VISITED SBI BANK AT ANDHERI (EAST) BRANCH
VISITED ICICI BANK AT ANDHERI (WEST) BRANCH.
BOOKS
INDIAN BANKING BY NATRAJAN

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