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All-India Toll Free number1800 22 22 441800 208 2244 All-India Toll Free number for PMJDY Scheme1800 22 22 43
Dedicated Number for NRI+918025302510  
 
 
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Retail Loans
Union Smile
Features Forms & Documents FAQs
PURPOSE
 
Avail Union Smile to meet short term financial requirements such as unforeseen medical expenses, timely payment of electricity bill, telephone bill, school fees, water charges, etc. by drawing overdraft on your SB account with your bank.
 
ELIGIBILITY
A person has to meet the following criteria to avail the loan:
  • Indian citizen above 21 years.
  • Salaried people who have salary account with our bank.
  • Or Pensioners who draw their pension from our bank.
 
QUANTUM OF LOAN
 
Maximum of 90% of one month's salary / pension
 
MARGIN
10%
 
MORATORIUM PERIOD
 
NIL
 
REPAYMENT
  • Entire overdraft amount plus interest to be recovered from next month's salary / pension.
  • If requested, repayment by EMIs with a maximum repayment period of 3 months can be permitted
 
RATE OF INTEREST AND PROCESSING CHARGES
  • Please click here to know our latest rate of interest
  • There are no processing charges.
 
SECURITY
  • No security is required
 
GUARANTEE
  • No guarantee is required
 
INSURANCE
  • No insurance is required.
 
**Conditions apply. For further details, please visit our nearest branch.
 
I would like to convey my appreciation to you for the timely assistance provided to many of our students that helped them obtain an educational loan for studying at the ISB for PGP 2009-10.
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