Multiple banks. Different interest rates. Call it a "conflict of interest".
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    OBC Personal Loan for Home Loan Borrowers

    We found 1 OBC Personal Loan for Home Loan Borrowers

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.85% - 11.85% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria

    OBC Personal Loan for Home Loan Borrowers is Rated as "Great!" by 45 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    What is the purpose of OBC Personal Loan for Home Loan Borrowers?

    OBC Personal Loan for Home Loan Borrowers offers personal finance for four purposes. Listed below are the four purposes for which the loan is offered.

    • Personal finance for purchase of consumer durables, kitchen appliances, furnishing items(Television set, tables, couch, room coolers, carpets) including insurance of premium purchased goods
    • Purchase of life insurance policy under group protection plan for the home loan borrower( for the safety of the family’s future and housing loan liability)
    • Loan for travel for self or family members. Covers travel costs, hotel stay and foreign travel related expenses such as visa, airport tax, etc.
    • Any other personal expenditure

    What is the nature of facility offered on OBC Personal Loan for Home Loan Borrowers?

    Overdraft is the nature of facility offered on OBC Personal Loan for Home Loan Borrowers.

    What are the features of OBC Personal Loan for Home Loan Borrowers?

    Listed below are the features of OBC Personal Loan for Home Loan Borrowers.

    • Personal loan specially designed for Home Loan Borrowers
    • Flexibility in using the personal loan amount for various purposes
    • Overdraft facility offered
    • High loan amounts
    • Quick approval
    • Easy application process
    • Minimum documentation
    • Flexible repayment period

    Are there any benefits of OBC Personal Loan for Home Loan Borrowers?

    There are various benefits of OBC Personal Loan for Home Loan Borrowers. Listed below are the benefits of OBC Personal Loan for Home Loan Borrowers.

    • High loan amounts up to maximum of Rs.10 lakh
    • There is no prepayment penalty charged on pre-payment of the loan
    • High flexible repayment periods
    • Dedicated team of customer service to help the borrower with the process
    • Quick approval

    What is the security offered on OBC Personal Loan for Home Loan Borrowers?

    Listed below is the list of duty stamped undertaking that should be provided by the borrower.

    • The bank can extend the mortgage when required
    • The borrower can’t create any other charge on the property used for the loan
    • Title deed of the property shall remain with the bank until the personal loan is repaid

    What are the fees and charges applicable on OBC Personal Loan for Home Loan Borrowers?

    Given below is the list of fees and charges applicable on OBC Personal Loan for Home Loan Borrowers.

    • Penal interest- 2% penal interest over normal lending rate is charged on the overdue amount

    What is the rate of interest offered on OBC Personal Loan Home for Borrowers?

    The rate of interest rate offered on OBC Personal Loan for Home Loan Borrowers is base rate plus 1.50% which makes the final rate of interest 11.20%.

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  • OBC Personal Loan for Home Loan Borrowers Reviews

    • Oriental Bank of Commerce Personal Loan
      "Work on Customer Oriented"
      0.5 1.0/5 "Really Bad"
      When I applied with Oriental bank for the personal loan, I received call from them stating they need documents from me. So I kept all the documents ready and I am waiting for the call from OBC but I did not receive any calls from them but I got mail stating my application has been rejected. The reason for I choose OBC is because of the interest rate, with them the interest rate is around 11.85% but with other banks it is 17%. But I did not receive the loan.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • Oriental Bank of Commerce Personal Loan
      "Delayed response"
      0.5 2.0/5 "Expected more"
      After me applying for a personal loan with Oriental Bank of Commerce, they delayed by couple of days to contact me. And then the process seemed long too. So I cancelled my application and I went ahead with another bank. I am not too sure on the interest rate and charges.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 25, 2017
    • Oriental Bank of Commerce Personal Loan
      "Its Good"
      0.5 3.0/5 "Satisfactory"
      Oriental bank of commerce executives did not visit my place to collect the documents they asked me to upload the documents through online channel, I tried uploading but there was an issue. Then I didn't get any response from them, finally my application was closed.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • Oriental Bank of Commerce Personal Loan
      "Delayed response"
      0.5 2.0/5 "Expected more"
      Since OBC contacted me much after I had applied for a personal loan, I did not wish to proceed ahead. I received a call after couple of days and it was not a very satisfactory experience. No information on the interest rate and processing charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • Oriental Bank of Commerce Personal Loan
      "Satisfied"
      0.5 4.0/5 "Great!"
      I have not taken the personal loan with the Oriental bank of commerce because I have postponed the plan to some extent. Rate of interest was around 10% for the personal loan and the customer service was good one and they were polite too.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 24, 2017
    • Oriental Bank of Commerce Personal Loan
      "Better "
      0.5 4.0/5 "Great!"
      I have expected more capital with the Oriental bank of commerce as the personal loan but they were not okay to provide, so I have cancelled the application. Rate of interest was around 13% and the services were good and its the unexpected one. I don't have any issues with them till now. Customer service was good one with them.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • Oriental Bank of Commerce Personal Loan
      "Could have more clarity in the services"
      0.5 3.0/5 "Satisfactory"
      When I applied for a personal loan with Oriental Bank of Commerce, the bank did not proceed ahead though my documentation was perfect. They collected all my papers and started the process and finally declined the loan without giving me a proper reason for it. The had a good deal on the interest rate and fee.
      Was this review helpful? 0
      , vadodara
      Reviewed on May 24, 2017
    • Oriental Bank of Commerce Personal Loan
      "Good in services"
      0.5 4.0/5 "Great!"
      OBC contacted me when I had applied for a personal loan and checked on my requirement. Since I was out of town I could not submit my documentation and the loan was closed. The interest rate of around 11% and the bank had a affordable processing fee as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 24, 2017
    • Oriental Bank of Commerce Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The Oriental Bank of Commerce executive told that they will come and collect the documents , but no one turned on the promised date and time. The response and the follow up is fine with them. The rate of interest is nominal when compared with others. Overall I am satisfied with the service.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • Oriental Bank of Commerce Personal Loan
      "Below average service"
      0.5 1.0/5 "Really Bad"
      Oriental bank commerce executive told that my company is not listed in their list, that was the reason I haven't got the personal loan from OBC. They haven't explained me about the product. The oriental bank of commerce can be improved and focused with customer queries in future .
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2017
    • Oriental Bank of Commerce Personal Loan
      "Good services & deal"
      0.5 4.0/5 "Great!"
      Since my requirement got delayed and I was not sure when I would need the funds. So I cancelled my request for the personal loan with OBC. The bank was the best at that moment with the rate of interest and processing charges. They were charging around 11% and the processing charges was also nominal for me. The services were good as they contacted me on time.
      Was this review helpful? 0
      , pune
      Reviewed on May 22, 2017
    • Oriental Bank of Commerce Personal Loan
      "Best Service"
      0.5 4.0/5 "Great!"
      ICICI bank took around 7 days to disburse my personal loan. The rate of interest was very nominal with ICIC bank. The response and the follow up was very prompt, they took initiative and approved a car loan with ICICI bank. I can tell, ICICI service was very supportive concerned to my car loan .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 28, 2017
    • Oriental Bank of Commerce Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I had applied for the personal loan with Oriental bank of Commerce and their response was quite good. They gave me a call in very next day, after they got my application. But I have got the same interest rate with ICICI bank, that was the reason I can't avail loan from OBC bank. The rate of interest and other charges were very much nominal with OBC.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 28, 2017
    • Oriental Bank of Commerce Personal Loan
      "Responce Was Not Good"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with Oriental Bank of Commerce. The team contacted me once and told that they going to come and collect documents from me but no one turned up bank agent said to scan and send the copy I said I cannot do that because I was at hospital at that time. They even asked me to scan and send the documents , I had asked them for the address for correspondence even that they refused to provide.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 26, 2017
    • Oriental Bank of Commerce Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      Approached Oriental bank of commerce for my personal loan, they are asking for the guaranteer Id and signature, which is not applicable with other banks. Because I don't have any guaranteer, so that was the reason I haven't got loan with Oriental bank of commerce. The interest rates and other charges are very low when I have approached.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2017
    • Oriental Bank of Commerce Personal Loan
      "Average service and improvement needed"
      0.5 2.0/5 "Expected more"
      Applied for a personal loan with Oriental bank of Commerce. I haven't got a single call about my personal loan application, but they have sent a text message based on my profile. OBC needs to improve their response and they are losing their customers very easily. They need to be customer centric in future.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 22, 2017
    • Oriental Bank of Commerce Personal Loan
      "Process has to be changed"
      0.5 4.0/5 "Great!"
      The company which I was working it was not listed with the Oriental Bank of Commerce because its 75 years old company. So Iam unable to process with them but I am very happy with their service, they were responded well and their interest rate is very least in the market.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 21, 2017
    • Oriental Bank of Commerce Personal Loan
      "Delayed response"
      0.5 3.0/5 "Satisfactory"
      I did not go ahead with OBC for the personal loan as they called me only after one week, after they informing me that I would get a call within two to four hours. The other thing was they wanted the bank statement from the guarantor as well. The only good thing was the interest rate and charges.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 21, 2017
    • Oriental Bank of Commerce Personal Loan
      "Its Average"
      0.5 3.5/5 "Pretty good"
      Currently I have dropped the plan of taking the personal loan due to some personal reason from my end but I am planning to take the loan after Diwali. Oriental Bank followed up nicely on my loan application and requested to submit the documents but I did not proceed further.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 21, 2017
    • Oriental Bank of Commerce Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      Oriental bank of commerce approved personal loan. They have disbursed my loan within a week of time. The documentation was collected in a proper way. It would be good, if they don't ask the personal proofs with Guaranteer. The rater of interest and the charges are very high when compared with other banks. The response and the follow up was helpful and very supportive with OBC.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 19, 2017
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