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Personal Advances / SCOOM (Two Wheelers)
 
Purpose Purchase of Two Wheeler (Scooter/Motor Cycle / Moped)
Eligibility a. Permanent employees of Central/State Government, Defence establishments and Public Sector organizations.
b. Profit making private sector organizations.
c. Minimum net salary Rs.1000/- per month.
d. Deductions (inclusive of proposed deductions for loan being considered under the scheme) should not exceed 33% of gross income.
Nature of Advance Term Loan.
Margin 10%
Loan Amount Upto 12 times the net monthly income or 90% of the cost
The vehicle and essential accessories (but excluding registration, insurance and other incidental charges) whichever is less.
Security Hypothecation of vehicle.
Insurance Comprehensive Insurance.
Repayment As per option of 36, 48, 60 Equated Monthly Instalments.

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