- Interest Rates
from
11.99%* onwards Know More - Save upto ₹ 30,000 on
Processing fee Know More
- Disbursal in 48 hours*
- Interest rate starting at 11.99%* Know More
- Loan upto ₹ 30 Lakhs* * T&C apply
Personal Loans
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on your Personal Loan. Apply online now
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Make opportunities happen with a Standard Chartered personal loan
Credit Card Eligibility & Documentation
Eligibility Requirement for your Standard Chartered Credit Card application:
- Applicant's age should be between 21 and 65.
- Applicant should have a stable monthly income.
- Applicant should belong to credit cards sourcing cities/locations of the Bank.
- All applications are subject to credit and other policy checks of the Bank.
Document Requirement for your Standard Chartered Credit Card application:
- Identity Proof (Any One of the following Photo cards): Passport, PAN Card, Voter Id Card, Govt ID, etc
- Address Proof (Any One of the following documents with current residence address): Passport, Driving License, Phone bill, Electricity / Other Utility bill, Rental agreement, Latest Other Bank / Credit Card statement
- 1 recent passport-sized Photograph
- Financial Documents:
- Salaried: Latest one month salary slip
- Self Employed Businessmen: Latest IT Returns with computation of income /Certified Financials, Last Business Continuity proof
- Self Employed Professionals: Latest IT Returns, Business Continuity proof.
- OR
You can also apply on Basis:- Other bank credit card
- Life insurance policy
Payment Options
Online Modes
Bill Desk Bill Desk: Now make your Credit Card payments anytime, anywhere and from any bank in a secure and convenient manner.
Online Banking If you are registered for Standard Chartered Bank's online banking facility, you can transfer the Credit Card bill amount from your Savings or Current account to the Credit Card account online.
Visa Credit Card payment An innovative service that allows transfer of funds from your Bank account to any other Visa Credit Card issued in India
Offline ModesCheque Payment You can drop a cheque, favoring Standard Chartered Bank Credit Card A/c mentioning your 16-digit Card number, at any one of our drop boxes located in ATMs, Skypack drop boxes and branches in your city.
Cash Payment You can deposit cash towards your credit card at any of the Standard Chartered Bank Branches.
Phone Banking Contact Standard Chartered Customer Service; in the menu option select the Banking Option and place a request with the executive to transfer the amount from your Standard Chartered Bank Savings or Current account to your Standard Chartered Bank Credit Card account.
Auto Debit If you have an account with Standard Chartered Bank, you can instruct us to automatically debit your bank account with either the Minimum Amount Due or Total Amount Due of your monthly outstanding on your Credit Card. Your account should be a sole account or a joint account with an 'any' or 'either' signing mandate
Standard Chartered introduces ECS (Electronic Clearing System), an innovative facility for busy people. With this facility, your Credit Card bill amount gets debited from your registered savings bank account at your request, so that you don't ever have to worry about the last minute payment rush.
Since this entire process happens through the Reserve Bank of India's electronic clearing mechanism, you can enjoy the advantages of ECS, no matter which bank you have your Savings Account with.
Offline Modes
Standard Chartered introduces ECS (Electronic Clearing System), an innovative facility for busy people. With this facility, your Credit Card bill amount gets debited from your registered savings bank account at your request, so that you don't ever have to worry about the last minute payment rush.
Since this entire process happens through the Reserve Bank of India's electronic clearing mechanism, you can enjoy the advantages of ECS, no matter which bank you have your Savings Account with.
Personal Loan FAQs
You can avail of personal loans ranging from Rs 1lakh to 30lakhs depending on your eligibility, income and repayment capacity.
The loan can be repaid over a period of 12 to 60 months.
A processing fee and requisite documentation charges are payable upfront. This fee will be deducted from the Loan amount at the time of disbursal.
Your loan will be disbursed within 4-7 working days post receipt of the required documents. Loan sanction and disbursal is at the sole discretion of the bank.
No security, collateral or guarantors are required for obtaining a Personal Loan with Standard Chartered Bank.
EMI stands for Equated Monthly Installments. This installment comprises both principal and interest components.
You can repay the loan in Equated Monthly Installments (EMI's) using the ECS facility, post-dated cheques favouring Standard Chartered Bank or a direct account debit (only for Standard Chartered Bank Account holders).
You can re-pay your loan with preclosure charges of 5% anytime after completion of 12 EMIs by giving the bank a 21 day notice.
We will encourage you to start a banking relationship with us so that we will be able to offer a host of other value added services, which are complementary to the loan, however opening an account with us is not mandatory.
As a Standard Chartered Customer, you will be offered special interest rates, asked for minimal documentation and your application will be processed on priority. You can also pay your EMI through standing instruction to debit your account.
Standard Chartered offers a Personal Loan for any of your personal requirements. You can use it for your child's higher education, purchasing consumer durables or a personal computer, a car or a two wheeler, to meet the expenses of family functions, to go on a vacation, to consolidate your expensive debt into a cheaper debt - or just about any personal payment requirement!
All resident individuals meeting our criteria can apply for a personal loan with Standard Chartered Bank.
Yes, you might be eligible for an additional amount if it has been 6 months or more since you have availed of your loan. To find out if you are eligible, please apply online and let our advisor call you.
Its simple! Fill in your details in the form and let our advisors call you and help you with your needs.
At the time of booking of your loan, the EMI (Equated Monthly Installments) is calculated based on the loan amount sanctioned, interest rate and tenure.
How do I save Rs. 30,000* on my Personal Loan application?
Sample Payslip
| For salaried customers | ||||
| Sample payslip constituents | ||||
| Table 1 | Table 2 | |||
| Earnings | Amount(₹) | Deductions | Amount(₹) | |
| Basic | 25,000 | PF | 3,000 | |
| HRA | 12,500 | TDS | 2,442 | |
| DA | 10,450 | Other deduction | ||
| Medical Allowance | 1,250 | ESI | 438 | |
| Conveyance | 800 | LWF | 5 | |
| Total Gross Salary Income | 50,000 | Total Deductions | 5,885 | |
| Gross Salary | 50,000 | Net Salary = (Gross Salary - Deductions) | 44,115 | |
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Features and Benefits
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