Salary Gain Scheme
Facility Overdraft in Saving Account.
Eligibility
  • Salary account holders with the bank’s branch
  • The customer should be in permanent employment with total minimum 1 year of Service, with Corporate concern of repute, Central Government / State Govt. Department / undertakings (including Government and Government Aided Educational Institutions) /Co-operative Societies.
Minimum Annual Income Minimum Take Home salary of the applicant should be Rs.25000/-p.m. (average of last 3 months’ salary credited in the account)
Purpose To meet personal needs of the customers who are salary earners.
Loan Quantum 3 times of monthly take home salary or Rs. 3.00 lakh, whichever is lower
ROI 1 Year MCLR + 3.25%
Deduction Should not exceed 60% of gross monthly salary
Security Clean
Processing fee 0.50% of the OD Amount per annum, subject to minimum Rs. 500/- p.a.
Others
  • Eligible amount to be decided on the basis of last 3 months take home salary, repayment obligations, Regular credit of salary.
  • In case of change in take home pay existing limit can be adjusted.
  • Interest on credit balance if limit is not availed. Interest on debit balance be charged on monthly basis.
  • An irrevocable written mandate by borrower to employer to route all payments/salary & allowances due to him including terminal benefits through the account maintained with the bank, and a confirmation from the employer that the mandate shall be complied with.
 
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