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One of the most popular banks in the country, Standard Chartered offers personal loans at attractive interest rates and relatively low processing fees. The interest rates offered on Standard Chartered personal loans start from just 12%, and the processing fee applicable to the loan is just 1% of the amount borrowed. The maximum amount you can borrow is Rs.30 lakh, and the repayment tenure is quite flexible, ranging from 1 year to 5 years.
Standard Chartered offers personal loans with interest rates starting from 11% and goes up to 19.20%. The processing fee applicable to the loan is 3% of the amount borrowed. The maximum amount you can borrow is Rs.30 lakh, and the repayment tenure is quite flexible, ranging from 1 year to 5 years.
Standard Chartered Personal Loan Details
Interest Rate (Monthly reducing balance)
11.00% to 19.20%
1 lakh – 30 lakh
Pre Closure Charges
Preclosure permitted after 1 year. 2% of principal outstanding (plus ST)
1 year to 5 years
No guarantor required
Standard Chartered Personal Loan Features
Standard Chartered Personal Loan is available for both salaried and non-salaried individuals.
The bank does not ask for security or guarantor.
Documentation processes are easy and simple.
You can apply online and get instant approval.
The loan will get disbursed within 4-7 days post the verification of the application form.
Online applicants get a 50% discount on processing fee
Standard Chartered offers personal loans up to Rs.30 lakhs to salaried employees and up to Rs.10 lakhs to the entrepreneurs.
Given below are the list of documents you will have to submit in order to avail a personal loan from Standard Chartered Bank:
Proof of identity
Aadhaar, Passport, Voter ID, Driving License, Photo PAN Card, Photo Ration Card, etc.
There are many reasons why Standard Chartered personal loans has become the preferred choice for many to fulfil their requirements. Standard Chartered offers:
Flexible and long repayment tenures
Competitive interest rates
Smooth application processing
Security, collateral, or guarantors are not required.
Loan top-up facility available.
How to check Standard Chartered personal Loan status?
You can simply go to the official website of the bank and enter vital details regarding your loan to track the status of your loan. You can monitor the status of your personal loan application through a reference number or without a reference number. While entering your loan application reference number, you will have to enter the ‘#’ symbol. You will also be required to key in your mobile number. For tracking without a reference number, enter your registered email ID and mobile number.
Standard Chartered personal loan customer care
Do you have any doubt about your personal loan borrowed from the international bank, Standard Chartered Bank? You can call the bank’s customer care helpline number and get answers to all your questions. The bank has exclusive customer care numbers for different cities. You may also send an email to the bank with full details about your query or complaint. You may also send an SMS to the bank that offers 24-hour customer care to its personal loan customers and customers of other products. In case you are not happy with the bank’s solution, you can get in touch with the bank’s Principal Nodal Officer.
A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.
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I taken a personal loan on one year back from STANDARD CHARTERED BANK for the tenure period of 1 year. I got this offer direct from bank, the amount was sufficient and provided lower interest so that I would suggest other bank to reduce an interest. 1% of fee was deducted from the loan. EMI is nominal to pay the amount. Mobile app is good and use to get update on time for the payment. They have given pre closure option at any time but some charge is applicable.
Whenever i called to the Standard Chartered bank they respond properly. Whatever the loan amount i apply, i got the same amount. Took the loan amount of Rs. 3.2 lakhs where my applied amount is Rs. 3 lakhs. I'm paying the EMI amount of Rs. 7000 and they have provided me an interest rate of 13%. My loan duration is 5 years. Loan service is excellent because within 3 days i have received the loan amount. Documentation process is really good.
Chosen my personal loan from Standard Chartered bank because i am having my salary account with them. I bought the loan amount of Rs. 1 lakh and the interest rate were nominal. I have produced all my documents even though I'm having a salary account with them. They have sanctioned my loan in 15 days. I have already finished the loan 5 years before.
From Standard chartered bank, they are giving the reminder regarding the loan EMI due date service point of view its good. Processing fee also less when i compared to others hence i have saved almost Rs. 7000. Without any call, the executive came to my place to collect the documents. The process is very simple. Within 7 days, the loan amount was credited to my account.
3 years back, i got the personal loan from Standard chartered bank. The service is really good and the employees were helpful
when i took the loan. I do not remember about the interest rate and processing fee. I bought the loan amount of Rs. 6 lakhs for that i have selected the duration of 3 years. Its going to be over in a couple of months.
Customer care service is not good in Standard Chartered bank. Already I was taken the loan from other bank since I want to pre-close I had taken the loan from Standard chartered because they have said they are not charging any GST. If I call the customer care there is no proper response. In Overall Tamil Nadu only 2 branches were available but response is not prompt. To avail the ECS facility, I have visited their branch for more than 15 times. I have raised the complaint about the sales executive because she has not given me proper details regarding the loan.
On 6 months before I had taken a personal loan with STANDARD CHARTERED BANK. The verification process was okay because initially banker will not process on time. Interest rate was high. Amount is sufficient tenure period of 5 years. I use to do EMI payment on time. Pre closure option is applicable after one year.
I took a personal loan with Standard Chartered Bank because my salary account is with them and the documentation process will be less. The customer service is very good. They have charged me 11.5% interest rate and done a top up 3 to 4times on my personal loan. The loan duration is 5 years.
I have taken Standard Chartered Bank credit card which i have taken through Bank directly .I have applied for 50,000 for the tenure of 1year .I have got the loan amount on time and it was sufficient as well.While submitting the documents there was no difficulties .I am really satisfied with the service.
Recently I closed Standard Chartered personal loan through foreclosure for that the bank have taken 4% of processing fee from the outstanding amount. The charges are nominal, I got the closure acknowledgement on the same but the loan interest is bit higher than others. However the processing time is faster so I will recommend this loan.
They will give information to the customer upfront and the process is transparent. Within 2 days, they have credited the amount to my account and the interest rates are high. Because i was working with Standard Chartered bank hence i have taken the loan with them.
Standard Chartered Bank is very faster in processing the loan and more over they will credit the amount within 1hr also the terms and conditions are very simple. The customer service is good but some more improvement needed. The interest rate is good.
The process is very faster and I like the services with Standard Chartered Bank. I took a personal loan one year back and the rate of interest was quite good. There is no processing fee. The loan duration is 3 years. I can do partial payment and foreclosure after 6 EMI with charges.
I took personal loan from Standard Chartered, the principal amount was Rs.1.50 lakh with the decent interest around 13% per annum. I done the process through online, I uploaded all the scanned documents within a week time the money got credited into my account.
I closed Standard Chartered loan because of the higher interest around 18% for the loan amount of Rs. 3 lakhs, I done foreclosure they took 3% from the remaining out standing, I am disappointed with their service because of the interest part.
I got the loan amount of 1.52L, there was a processing fee applicable with the personal loan of STANDARD CHARTERED BANK, i am using the loan from last 2 years. The duration for repaying the loan was 48 months, the rate of interest was nominal with the loan.
The customer service is not good in Standard Chartered bank it can be better, I took Rs. 5 lakhs of loan with five years of duration, the interest was not affordable. The process was good they sanctioned the loan on time. They just need improvement on the service.
They have given me a reasonable interest rate from Standard chartered bank. Their process is transparent. I have selected the tenure period of 5 years. I'm not sure about the pre-closure and partial payment. They have done a follow up when i apply for the loan.
I have applied for the personal loan with the bank and i have taken the loan amount of 2.5L and i have paid of 8600 rupees also i have paid for all the months as EMI. I have been using the loan from last 2 years, the duration for repaying for 3 years. The rate of interest was 14.5%. It is a pre approval loan.
I directly approach for personal loan with Standard chartered bank recently, after applying for me within two days i got loan, the loan amount which they have given to me was good, they have given me as per my requirement, the rate of interest they have charged me was nominal , so far i did not face any issue.