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Personal Loans

Get an instant approval*

on your Personal Loan. Apply online now

Apply for personal loan online
  • 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 ₹ 50 Lakhs* * T&C apply

Features and Benefits

  • Flexible repayment with tenor upto 60 months
  • Personal Loan for salaried individuals
  • No Security or Guarantor required
  • Hassle free documentation process
  • Instant decision when you apply online
  • Personal Loans offered up to ₹ 50 lacs
  • Interest Rates from 11.99%* onwards
Know more about Personal Loan

Personal Loan Faqs

Get instant Decision

Make opportunities happen with a Standard Chartered personal loan

  • 1Provide Info

  • 2View Quote

  • 3Apply Online
 

Do you have an existing relationship with SCB *

 Yes   No

Do you have an existing SCB Debit/Credit Card? *

 Yes   No

Title *

Full name of the customer *

City of Residence *

Employment Type *

Email ID *

Mobile Number *

 IMPROVE YOUR LOAN ELIGIBILITY IF YOU HAVE ANY OF THE BELOW
  Home Loan
  Insurance Policy
  SCB credit card
  Other bank credit card

HOME LOAN DETAILS

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*
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INSURANCE POLICY DETAILS

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*

STANDARD CHARTERED CREDIT CARD DETAILS

(mm-yyyy) *  
*

OTHER BANK CREDIT CARD DETAILS

*
(dd-mm-yyyy) *  
*
 
 
* Indicates a required field
  

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 Modes
  • Cheque 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.

    • Personal Loan FAQs

  • What are the minimum and maximum loan amounts?
    You can avail of personal loans ranging from Rs 1lakh to 50lakhs for salaried segment and Rs 1lakh to 30lakhs for self employed depending on your eligibility, income and repayment capacity.

  • What are the options for repayment tenures?
    The loan can be repaid over a period of 12 to 60 months.

  • Are there any additional charges?
    A processing fee and requisite documentation charges are payable upfront. This fee will be deducted from the Loan amount at the time of disbursal.

  • How much time will it take for my loan to be approved?
    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.

  • Do I have to provide any security, collateral or guarantors?
    No security, collateral or guarantors are required for obtaining a Personal Loan with Standard Chartered Bank.

  • What is EMI?
    EMI stands for Equated Monthly Installments. This installment comprises both principal and interest components.

  • How do I repay the loan?
    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).

  • Can I repay my loan earlier?
    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.

  • Do I need to open an account with Standard Chartered Bank for availing and/or servicing the loan?
    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.

  • Do I get special privileges as a Standard Chartered Customer?
    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.

  • How does Standard Chartered Personal Loan benefit me?
    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!

  • Who can apply for Standard Chartered Personal Loan?
    All resident individuals meeting our criteria can apply for a personal loan with Standard Chartered Bank.

  • I am an existing Standard Chartered Personal Loan customer. Can I get an additional loan amount?
    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.

  • How can I apply for Standard Chartered Personal Loan?
    Its simple! Fill in your details in the form and let our advisors call you and help you with your needs.

  • How much would I need to repay each month?
    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?

  • We offer 50% discount on processing fee of your Personal Loan application only if you apply online. So for example if you apply online for a Personal Loan of Rs 30 lakhs, you are eligible for a discount of 50% on 2% processing fees. Please note these offers are subject to change. from time to time.

    • 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
  • Be it a dream holiday, marriage, renovation of your home, child's education or buying latest gadgets, our Personal Loans help you fulfil all your needs. We provide low interest Personal Loans of upto 50 lakhs at interest rates as low as 11.99%. Check your actual rate and loan eligibility instantly using the online personal loan eligibility calculator by just filling up a few details.

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    Features and Benefits

    • Flexible repayment with tenor upto 60 months
    • Personal Loan for salaried and self-employed individuals
    • No Security or Guarantor required
    • Hassle free documentation process
    • Instant decision when you apply online
    • Personal Loans offered up to ₹ 30 lacs
    • Interest Rates from 11.99%* onwards
    • Fee & Charge Details Read More
    • FAQs Read More
    • Terms and Conditions Read More
    • Most Important Document Read More
    Know more about Personal Loan

    Personal Loan Faqs


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