Multiple banks. Different interest rates. Call it a "conflict of interest".
Multiple banks. Different interest rates. Call it a "conflict of interest".
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  • OBC Personal Loan for Corporate Employees is Rated as "Great!" by 40 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

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    OBC Personal Loan for Corporate Employees

    OBC Personal Loan for Corporate Employees is one of the many personal loan schemes offered by the bank. The main purpose of this loan scheme is to provide finance to corporate employees for personal/family expenses such as wedding, travel, education, medical and other legitimate expenditures.

    Type of facility offered

    Listed below is the type of facility offered for the personal loan scheme.

    It offers a term loan comprising of 60 EMIs (Subject to the remaining period of the borrower’s service)

    Features of OBC Personal Loan for Corporate Employees

    Listed below are the features of OBC Personal Loan for Corporate Employees.

    • Personal loan for corporate employees
    • High loan amounts up to 15 times the net salary of the borrower
    • Term loan of 60 EMIs
    • Hassle free application process
    • Minimal documentation
    • Dedicated team of customer service to help with the application for the loan
    • Salary account should be with OBC
    • Quick approval

    Benefits of OBC Personal Loan for Corporate Employees

    Listed below are the benefits of OBC Personal Loan for Corporate Employees.

    • The loan offers high loan amounts up to 15 times the net salary amount of the employee(maximum- Rs.5 lakh)
    • No pre-payment penalty charges
    • Low rate of interest
    • Can be applied for online
    • Customised loan specially for corporate employees with benefits designed especially for them

    Rate of interest charged on the loan

    The floating rate of interest charged on OBC Personal Loan for Corporate Employees is base rate plus 3.25% which amounts to a rate of interest of 12.95%

    Eligibility criteria for OBC Personal Loan for Corporate Employees

    Listed below is the eligibility criteria for OBC Personal Loan for Corporate Employees.

    • Permanent employees of corporate companies and reputed non-government organisations and institutions having salary account with OBC bank
    • Length of service- Minimum 3 years of service including service with previous employers if any
    • Minimum salary- Minimum net monthly salary must be Rs. 10,000
    • The net take home salary should not be less than 30% of gross salary after deducting the EMI amount of the personal loan

    Fees and charges applicable on OBC Personal Loan for Corporate Employees

    Listed below are the fees and charges applicable on OBC Personal Loan for Corporate Employees.

    • Processing fee- 0.50% of the loan amount plus service tax
    • Pre penalty charge- There is no prepayment penalty charged
    • Penal interest- A penal interest of 2% is charged over normal lending rates on the overdue amount

    OBC Personal Loan for Corporate Employees Reviews

    • ING Vysya Personal Loan
      "Average!!!"
      0.5 3.5/5 "Pretty good"
      I have availed personal loan with ING Vysa. They are good in terms of services but interest rate is much higher. There are pre closure charges. They were demanding for more number of documents. It would be fine if they reduce their documents and make the staff to understand what documents to be submitted. I was not given the statement, not told about the charges etc until we call them and ask for one. It would be nice if the improve in this.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jul 24, 2015
    • ING Vysya Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      My personal loan experience with ING Vysya is good and it took only 3 days for the loan to get disbursed. The best part about this bank is there is part payments and foreclosing facilities available with no extra charges. One thing which I donâ??t like is they have made insurance as mandatory and they had deducted the money without my knowledge.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 14, 2015
    • ING Vysya Personal Loan
      "Good "
      0.5 3.0/5 "Satisfactory"
      I was requiring for a loan amount of 3.5Lakh but they have offered me a personal loan of 3Lakh in ING Vysa Bank.The customer service provided was really good but the interest rate and charges collected was on the higher side which can be reduced.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 29, 2015
    • ING Vysya Personal Loan
      "Not at all satisfactory...."
      0.5 4.0/5 "Great!"
      INGVysya is bad in responsiveness and they are not like normal banks where they took twenty days to disburse the personal loan. Actually I was the one who following the executives to track the details. They were not transparent in sharing required documents where they collected the papers for several times. Otherwise I am satisfied.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 06, 2015
    • ING Vysya Personal Loan
      "Very good!!!"
      0.5 5.0/5 "Blown Away!"
      I took personal loan for the term period of five years but closed it earlier with pre closure charge. ING Vysya is sanctioning personal loan with good rate of interest. I did not like the condition of pre closure as the TAT is of six months with charge of 4.5% so suggesting ING Vysya to offer with nil percentage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2015
    • ING Vysya Personal Loan
      "Worst ING Personal Loan Service"
      0.5 0.5/5 "Unacceptable"
      ING Providing worst personal loan service, executives will not respect the customers, and the process will go as long as and will not receive the loan amount within the time. They will promise a lot but they will not fulfill. they don't understand the customer problems.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Feb 16, 2015
    • ING Vysya Personal Loan
      "Happy that there is no pre closure charge!!!"
      0.5 5.0/5 "Blown Away!"
      No problem with ING Vysya bank and the interest rate is reasonable where it is only 13.5%. If we do compare with other banks the terms and conditions are flexible in this bank for personal loan. That is to say the interest rate is good and no pre closure charge and moreover we can part pay the loan. My account is with same bank so they waived pre closure completely.
      Was this review helpful? 2
      , bangalore
      Reviewed on Feb 03, 2015
    • ING Vysya Personal Loan
      "Wonderful!!!"
      0.5 4.0/5 "Great!"
      In a week time I got the approval of personal loan from ING Vysya bank. Interest rate is affordable and it is 14.25%. Top up loan can do it post six months. Like 2% was the processing charge and for some insurance they have deducted 1300. At the start there was some communication gap between me and the executive, as well the executive and the bank. For the reason of miscommunication there was a delay in process. The executive missed to get signature in the bond so I personally visited the branch of thirty kilometers to get things done.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Jan 25, 2015
    • ING Vysya Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      The experience was good when I applied for a personal loan from ING Vysya. The process was short and they did not ask for any extra documents. The verification was done over phone and within a call they helped me to get the loan. I really liked the way they approved the loan was very good. The rate of interest was 16.5% which is reasonable compared to other banks. The processing fees was 2% which can be reduced.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 22, 2015
    • ING Vysya Personal Loan
      "Satisfied in overall!!"
      0.5 4.0/5 "Great!"
      Executive of ING Vysya helped me in collecting documents as they visited twice my place. Interest rate on personal loan is affordable as they offered 13.99% and this is best in comparing to current market. Processing charge they deducted around 5% but not very sure. They did not give quoted amount where there was a little deduction of .5%. I suggest ING Vysya to reduce the processing charge as other banks are giving personal loan with 0% processing fee else they can exclude the charge.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jan 20, 2015
    • ING Vysya Personal Loan
      "Great"
      0.5 4.0/5 "Great!"
      As per my requirement, I did get personal loan from ING VYSYA. Interest rate is quite the same among all the banks however processing charges was higher. If charges could had been reduced, it would be better.Overall happy.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 09, 2015
    • ING Vysya Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      Response time is the best part in ING VYSYA in disbursing personal loan. At times, there was communication gap from customer service team. However, the interest rate is quite nominal whereas the processing charges are so higher.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 22, 2014
    • ING Vysya Personal Loan
      "Speedy approval"
      0.5 4.0/5 "Great!"
      ING VYSYA bank had considered my personal loan request and had approved the loan amount as per my requirements. I liked the speedy approval and also the disbursal was at the right point of time. Am pretty much ok with interest rates.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 16, 2014
    • ING Vysya Personal Loan
      "Outstanding "
      0.5 5.0/5 "Blown Away!"
      It was very good experience when I applied for a personal loan in ING Vysya through a different channel it was really good. It was really good and they keep updating with all the details on time. They also provided me with all the alternate options and suggestions to avail the loan as per my requirement. The rate of interest was fine and the processing fees was 2% which was reasonable.
      Was this review helpful? 0
      , greater noida
      Reviewed on Dec 10, 2014
    • ING Vysya Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      Instant response I got from ING Vysya bank on my personal loan request so it is appreciable. Including stamp duty charges, the deducting processing fee is around 5,000 and interest rate is 14.25%. I got physical loan agreement copy on time. Service is recommendable so I like to recommend ING Vysya. ING Vysya is best in performance so donâ??t have suggestion at present.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 09, 2014
    • ING Vysya Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I was very muych satisfied by the service from ING vysya bank when I applied for my personal loan . They responded very promptly and updated all the relavant information. Rate of interest was quite affordable when compared with other banks. Overall good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Nov 28, 2014
    • ING Vysya Personal Loan
      "Approach was good"
      0.5 3.5/5 "Pretty good"
      I chose ING VYSYA for availing personal loan as the approach of the customer service team was too good. Processing was extremely easier and faster. I got a very lesser interest rate around 13.6% and its attractive too. Processing fees was around 1000 which was competitive.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Nov 27, 2014
    • ING Vysya Personal Loan
      "Best"
      0.5 3.0/5 "Satisfactory"
      I have approached ING VYSYA Bank for the personal loan, my application has been declined stating that, I have got some outstanding dues against my credit card, I have been informed that, as a result my credit score has been affected badly. However, Customer service offered by them was really good and the rate of interest and processing fee is quite nominal.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 24, 2014
    • ING Vysya Personal Loan
      "Excellent and amazing"
      0.5 5.0/5 "Blown Away!"
      Almost all the banks providing the same process of personal loan . No much differences in them. When I applied for personal loan ING vysya bank called me and updated all the information. I had some outstanding in my credit card hence they asked me to clear to get the disbursal. They offered me 14% as the interest rate where I was very comfortable with it
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 21, 2014
    • ING Vysya Personal Loan
      "Fine service"
      0.5 3.5/5 "Pretty good"
      I took this personal loan from ing vysya bank before 8 months. It would be nice if they try to reduce the interest rate as its high when compared with nationalized banks. They offered me 16.25% as interest rate and processed loan within 4-5 days of time. Since I had an requirement at that time I had no choice but to avail the loan. It was taking too long time to reach their customer care in toll free. Their helping attitude was little less.
      Was this review helpful? 2
      , new delhi
      Reviewed on Nov 16, 2014
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