|
|
| Eligibility
Criteria |
| Banks |
Salaried |
Self- Employed |
| ABN AMRO Bank |
2,76,000 p.a. |
2,00,000 p.a. |
| Axis Bank |
1,80,000 p.a. |
2,00,000 p.a. |
| Barclays Finance |
1,80,000 p. a. |
1,50,000 p. a. |
| Citibank |
3,00,000 p.a. |
3,00,000 p. a. |
| Fullerton |
96,000 p.a. |
- |
| HDFC Bank |
1,80,000 p.a. |
- |
| ING VYSYA |
1,80,000 p.a. |
1,80,000 p.a. |
| ICICI Bank |
1,44,000 p.a. |
- |
|
Top  |
| Age Criteria (in Years) |
| Banks |
Salaried |
Self-Employed |
| ABN AMRO Bank |
25 to 65 |
25 to 70 |
| Axis Bank |
21 to 60 |
24 to 65 |
| Barclays Finance |
21 to 60 |
25 to 65 |
| Citibank |
21 to 60 |
25 to 65 |
| Fullerton |
21 to 60 |
- |
| HDFC Bank |
21 to 60 |
- |
| ING VYSYA |
23 to 60 |
25 to 60 |
| ICICI Bank |
21 to 60 |
- |
|
| Top |
| Residence (min) |
| Banks |
Salaried |
Self-Employed |
| ABN AMRO Bank |
1 year |
1 year |
| Axis Bank |
- |
- |
| Barclays Finance |
- |
- |
| Citibank |
- |
- |
| Fullerton |
1 year |
- |
| HDFC Bank |
1 year |
1 year |
| ING VYSYA |
1 year |
1 year |
| ICICI Bank |
1 year |
- |
|
|
| Top |
| Loan Amount |
| Banks |
Salaried |
Self-Employed |
| ABN AMRO Bank |
1,00,000-15,00,000 |
1,00,000-15,00,000 |
| Axis Bank |
1,00,000-20,00,000 |
1,00,000-20,00,000 |
| Barclays Finance |
40,000-17,00,000 |
40,000-17,00,000 |
| Citibank |
50,000-15,00,000 |
2,00,000-15,00,000 |
| Fullerton |
35,000-3,00,000 |
- |
| HDFC Bank |
50,000 - 15,00,000 |
- |
| ING VYSYA |
50,000-15,00,000 |
50,000-15,00,000 |
| ICICI Bank |
40,000-15,00,000 |
- |
|
|
| Top |
| Tenure (months) |
| Banks |
Salaried |
Self-Employed |
| ABN AMRO Bank |
12-60 |
12-60 |
| Axis Bank |
12-60 |
12-60 |
| Barclays Finance |
12-84 |
12-84 |
| Citibank |
12-60 |
12-60 |
| Fullerton |
12-48 |
- |
| HDFC Bank |
15-60 |
- |
| ING VYSYA |
12-60 |
12-60 |
| ICICI Bank |
12-60 |
- |
|
|
| Top |
| Processing Fees |
| Banks |
Fees |
| ABN AMRO Bank |
2% |
| Axis Bank |
2% |
| Barclays Finance |
2% |
| Citibank |
2% |
| Fullerton |
3%(above 50,000 loan amount),5%(Less than 50,000 loan amount) |
| HDFC Bank |
0.5%(if salaried account in HDFC) if not than 2% |
| ING VYSYA |
2% |
| ICICI Bank |
2%-3% |
| Reliance Consumer Finance |
2% |
| SBI |
2% to 3% |
|
|
| Top |
| Prepayment Charges |
| Banks |
Fees |
| ABN AMRO Bank |
5% |
| Axis Bank |
- |
| Barclays Finance |
5% |
| Citibank |
5% |
| Fullerton |
4% |
| HDFC Bank |
4% |
| ING VYSYA |
4% |
| ICICI Bank |
Lower of the two amount given below. 1. 5% of principal outstanding or 2. Interest outstanding for unexpired period of the loan. |
| Reliance Consumer Finance |
5% |
| SBI |
- |
|
|
| Top |
| Current Experience |
| Banks |
Salaried |
Self-Employed |
| ABN AMRO Bank |
- |
- |
| Axis Bank |
- |
- |
| Barclays Finance |
- |
- |
| Citibank |
- |
3 year |
| Fullerton |
6 months |
- |
| HDFC Bank |
6 months |
- |
| ING VYSYA |
1 year |
3 year |
| ICICI Bank |
1 year |
- |
|
|
| Top |
| Interest Rate |
| Banks/Rates |
Salaried |
| |
CAT A |
CAT B |
Others |
| Citibank |
16.5%-18% |
18%-20% |
19%-21% |
| HDFC Bank |
15.5% (for 35,000 & above salary) , 16.5% (upto 35,000 salary) |
18%(for 35,000 & above salary) , 19% (upto 35,000 salary) |
21%(for 35,000 & above salary) , 24% (upto 35,000 salary) |
Barclays Finance
|
21%-33% |
21%-33% |
21%-33% |
| Reliance Consumer Finance |
23% |
- |
23% |
| SBI |
16.50% |
16.50% |
- |
| ICICI Bank |
18% |
20% |
23% |
| ING VYSYA |
16%-17% |
- |
22% |
| Axis Bank |
16% |
19% |
22% |
| ABN AMRO Bank |
15.5%(salary account in Abn) , 18%(non salary account holder) |
- |
- |
|
|
| Top |
|
| Documents Required |
| Banks |
Salaried |
Self-Employed |
| Axis Bank |
Identity proof, salary slip/form16 with Salary certificate, residence proof, Proof of telephone |
Identity proof, last two years ITR,residence proof, proof of telephone |
| Barclays Finance |
Identity proof, address proof, latest 2 salary slip and 3months bank statement |
Identity proof, address proof, last two year ITR and 6months bank statement, Degree certificate |
| Citibank |
Residence proof, Identity Proof, last 6 months bank statement, Last 2 months salary slip, |
Residence Proof, Last 2 yr ITR , Identity Proof , age proof, last 6 months bank statement ,Business Proof |
| Fullerton |
Identity proof, residence proof ,last 3 months bank statement |
- |
| ING VYSYA |
Identity proof, Last 2 months salary slip, form 16,residence proof,6 months bank statement, |
Last 2 year ITR, business proof , Identity & age proof, Address proof , last 6 months bank statement |
|
| Top |
| Documents for Professionals |
| Banks |
|
| ABN AMRO Bank |
Professional qualification For eg. Degree, Registration with professional council etc |
| Axis Bank |
- |
| Barclays Finance |
- |
| Citibank |
- |
| Deutsche Bank |
Professional qualification For eg. Degree, Registration with professional council etc. |
| HSBC |
- |
| HDFC Bank |
Proof of qualification, Highest degree |
| ICICI Bank |
Proof of qualification, Highest degree |
|
| Top |
|
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