Standard Chartered Bank

Overview

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Founded in 1969, the Standard Chartered Bank is considered to be one of the leading International banks with a strong presence in a number of countries, particularly in the Asian continent. Originally, the bank was the product of the amalgamation of two entities- the Standard Bank of British South Africa and the Chartered Bank of India, Australia and China. Herein, the Chartered Bank first opened its branches in Mumbai (the erstwhile Bombay), Kolkata and Shanghai in 1858. Today, Standard Chartered Bank has a rich history in the Indian sub-continent, spanning 150 years and inclusive of 99 branches in 42 cities. This makes the Standard Chartered Bank, India's largest international bank with a staunch local following.

Personal Loan

Standard Chartered bank, which is India's largest international bank, has been operating here since 1858. Exciting schemes, friendly repayment provisions and competitive interest rates are reasons to apply from Standard Chartered Bank, wherein your personal loan application will be smoothly processed. There is no need for collateral, security or guarantors to be provided for unsecured personal loans from Standard Chartered Bank. Loan top-up facility is also available.

 

Features and Benefits

Standard Chartered Personal Loan is available for both salaried and non-salaried individuals. You can enjoy flexible repayment tenures from 12 months to 60 months. The bank does not ask for security or guarantor. Documentation processes are easy and simple. You can apply online and get instant approval. Affordable interest rate starting from 12.99% onwards. Standard Chartered offers loan amounts up to Rs.30 lakhs. Online applicants get a 50% discount on processing fee Standard Chartered offers personal loans up to Rs.30 lakhs to salaried employees and up to Rs.10 lakhs to the entrepreneurs.
 

Eligibility Criteria

You are eligible for a Standard Chartered personal loan if you are at least 21 years old and your maximum age is not more than 58 years. Salaried and self-employed individuals can avail Standard Chartered personal loans Your minimum incomes needs to be Rs.22,000/- per month. Should have valid ID proof like passport, pan card, driving license, voter ID card and photo ration card. Should have valid address proof like passport, telephone bill, electricity bill, driving license, life or medical insurance policy, ration card, apartment allocation letter, and rental agreement.
 

Document Required

The various documents to be submitted include-

Signed application form with photograph Copy of passport/voter ID/ card/driving license Processing fee cheque Last 3 months bank statement/6 months bank passbook

Documentation for salaried applicants:

Latest salary slip Current dated salary certificate with the latest Form 16

Documentation for self-employed

Latest bank statement Latest ITR or Form 16

Disclaimer: Please note that the interest rates and eligibility criteria given here are based on the market research. To enable the comparisons certain set of data has been reorganized / restructured / tabulated. Users are advised to recheck the same with the individual companies / organizations. This site does not take any responsibility for any sudden / uninformed changes in interest rates.

Loan Against Property

Standard Chartered Home Loan helps you buy your dream home with an easy financing solution featuring low interest rates and unrivalled levels of service. If you are looking for a Home Loan that suits your pocket & fulfill the basic need of a Dream Home, then Standard Chartered is there to convert this dream into reality. The unique features, benefits & a wide range of loans (personal loan, loan against property and credit card) are available for you to purchasing a plot, construction flat, home extension and renovation.

 

Features and Benefits

Attractive interest rates-; This multipurpose loan helps you meet your personal financing needs at attractive interest rates.

High loan amounts-Borrow up to 70% of the value of your property with the Standard Chartered Loan against property.

Easy application process- Simple paperwork means applying for the loan is easy and can be quickly approved.

 

Eligibility Criteria

As far as eligibility is concerned, if you are above 21 years of age, you can take a loan against a property that you own, based on your CIBIL score and your ability to systematically repay the loan, as would be ratified with your financial documents at the time of application.

 

Document Required

S.no. KYC Documents for salaried
1. Identity and Residence proof of all applicants– Copy of Valid Passport / Voter's ID / Valid Driving licence / Ration Card (For Ration card without photo, a separate bank signature verification is essential) / Employer's issued Photo ID + Letter Or Documents 4 and 5
2. Age proof of all applicants - Copy of Valid Passport / Valid Driving licence / PAN Card / Birth certificate / School leaving certificate / Voters ID Card
3. Residence proof of all applicants – Copy of Latest Telephone bill / Latest Electicity bill / Valid Registered Rental Agreement / Pan Intimation Letter / Medical Insurance Policy / Latest bank statements received by customer by post ( Not of co-operative bank and approved by L&C) / Voter's ID / Driving License / Ration Card- same condition as Identity proof / Valid Passport / Credit card statements / RV report / Employer's issued Photo ID + Letter
4. Signature Verification proof of applicant - Copy of Valid Passport, Valid Driving Licence, Copy of Pan Card Or IPC cheque of > INR 10,000/-
S.no. Additional KYC Documents for NRI/ Mariner
5. Notarized GPOA
6. Copy of CDC and Mariner Declaration (for Mariner)
7. Indian Passport, Overseas Emploment card issued by the government in country of employment (for NRIs only)
8. Foreign passport/ National ID card/ Overseas Driver's License/ Social security card. ( For PIO)
9. Foreign passport/ National ID card/ Overseas Driver's License/ Social security card. ( For PIO)
S.no. Additional KYC Documents for Pvt. Ltd. Companies
10. Office address proof - Copy of latest Utility bill / Valid Registered Rental or Lease Agreement alongwith Utility Bill in the name of Landlord / Current A/c statement for last 6 months
11. Shop and Establishment Certificate / Sales Tax Registration Certificate / Factory Registration Certificate / SEBI Registration Certificate / Form 18 & ROC Receipt
12. Copy of MoA/AoA and True Copy of Certificate of Incorporation, Form 32 or Annual return copy with ROC
13. KYC documents ( No. 3, 4, 5) of all shareholders with more than 20% individual share in Company
S.no. Additional KYC Documents for Partnership firms
14. Office address proof - Copy of latest Utility bill / Valid Registered Rental or Lease Agreement alongwith Utility Bill in the name of Landlord / Current A/c statement for last 6 months
15. Shop and Establishment Certificate / Sales Tax Registration Certificate / Factory Registration Certificate / SEBI Registration Certificate / Utility Bill inname of firm or landlord with a lease agreement (only to be used as a 2nd address proof or operating address proof for non face to face or as a Operating address proof in face to face)
16. KYC documents ( No. 3 or 4, 5) of all partners with more than 20% individual share in Firm
S.no. Additional KYC Documents for Partnership firms
17. Office address proof - Copy of latest Utility bill / Valid Registered Rental or Lease Agreement alongwith Utility Bill in the name of Landlord / Current A/c statement for last 6 months
18. Shop and Establishment Certificate / Sales Tax Registration Certificate / Factory Registration Certificate / SEBI Registration Certificate

Home Loan

Standard Chartered Home Loan helps you buy your dream home with an easy financing solution featuring low interest rates and unrivalled levels of service. If you are looking for a Home Loan that suits your pocket & fulfill the basic need of a Dream Home, then Standard Chartered is there to convert this dream into reality. The unique features, benefits & a wide range of loans (personal loan, loan against property and credit card) are available for you to purchasing a plot, construction flat, home extension and renovation.

 

Features and Benefits

Loan is available for salaried and self employed Only one time processing fees and no hidden charges is there You can choose tenure from 5 years to 20 years You can transfer your existing high interest loan to lower interest and save on interest
 

Eligibility Criteria

1. The age of the applicant not be lower than 21 years at application, and over 60 years at loan maturity.

2. For salaried applicants, the gross annual salary must not be lesser than Rs.1,80,000. The same stands at Rs.2,50,000 for a self-employed applicant.

3. Both the salaried and self-employed applicant must have been employed/in business for a minimum of 2 years.

4. Minimum home loan offered is Rs.5,00,000 and the maximum offer is Rs.1,00,00,000. The applicable tenure is 5-20 years.

5. The various documents to be submitted include-

Application form with photograph Identity & residence proof Last 3 months salary slip Form 16 Last 6 months bank salaried credit statements Processing fee cheque Education qualifications certificate & proof of business existence (for self employed) Business profile (for self-employed) Last 3 years profit/loss & balance sheet (for self-employed)
 

Document Required

Application form with photograph Identity & residence proof Last 3 months salary slip Form 16 Last 6 months bank salaried credit statements Processing fee cheque Education qualifications certificate & proof of business existence (for self-employed) Business profile (for self-employed) Last 3 years profit/loss & balance sheet (for self-employed)