Who is eligible

• Salaried person 
  ( Should  have permanent employment for last 2 years  
  
  
• Professional 
  ( Should have been in the profession for the last 2 years ) 
  
  
• Businessman 
  ( Should be in business for the last 2 years and generate adequate and consistent income and good net worth )

  
Loan amount eligible

• Rs10,00,000/- for De-mat  shares      

Security

• Main            : Pledge of shares acceptable to the Bank                          minimum 3 scripts
  
  
• Guarantors  :   1or 2 persons acceptable to the Bank.

Margin

• 50% of the  fair value in case of  De-mat shares

Rate of Interest   

•   16% on reducing balance method.

Special Features 

• Wife /husband/parents/Brother/ sister can be co applicants income of the co applicant will be considered for assessing repayment capacity
  
  
• Interest calculated on daily reducing balance
  
  
• No prepayment/commitment  charge levied unless the Liability is taken over by another financial institution

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