Personal Loan
Loans that are designed to cater to your life, goals, and everyday needs.
Domestic or emergency needs
Max ₹10L* or 20× gross salary
Repayment up to 60 EMI.
ROI as low as 11% p.a*.
Purpose
- Any domestic / emergency purpose.
Eligibility
- Salaried / businessmen / professionals. Minimum CIBIL score 640 (preferred); no repayment defaults; minimum take-home salary 25% of gross; Savings Bank account with the Bank; minimum remaining service 2 years; age 21–70 years; one guarantor and one co-employee guarantor.
Quantum
- Maximum ₹10 lakh or 20 times gross salary, whichever is less, in multiples of thousands.
Repayment Period
- 60 months (EMI).
Conditions
- Loan processing charges: 1% of the loan amount. Additional conditions apply.
Interest Rates
- CIBIL above 720: 11% p.a. CIBIL 640–720: 12% p.a. Subject to change from time to time.
- See the full Interest Rates page →
Salaried Loan
Borrow with ease. Experience hassle-free borrowing with TNSC Bank's salary loan.
Salaried, self-employed, and professionals
Max ₹15L* or 20× gross salary
Repayment up to 120 EMI.
ROI as low as 11% p.a*.
Purpose
- Urgent domestic expenses, children's education, home furnishing, purchase of electronic goods, or children's marriage.
Eligibility
- State / Central / Quasi-Government employees, cooperative and financial institutions, teachers, professors and industrial establishments; salaried employees in reputed private firms and IT companies; businessmen and professionals (doctors, lawyers, CAs, consultants, engineers). Applicant must be resident / employed within the Chennai Metropolitan area. Applicant and two co-employee guarantors should become Associate Members. Carry-home salary: minimum 25%.
Quantum
- Maximum ₹15,00,000 or 20 months' gross salary, whichever is less, in multiples of thousands.
Repayment Period
- 120 equated monthly instalments.
Conditions
- Two co-employee guarantors. Additional conditions apply.
Interest Rates
- CIBIL above 720: 11% p.a. CIBIL 640–720: 12% p.a. Salaried women employees: 10.50% p.a. (reducing balance). Subject to change from time to time.
- See the full Interest Rates page →
Plan ahead
EMI calculator
Ready to apply?
Visit any of our 51 branches with your KYC documents, or call our helpline to get started.