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Allahabad Bank Personal Loan
About Allahabad Bank Personal Loans
Founded in Allahabad more than 150 years ago, on April 24, 1865, by a group of Europeans, the
Allahabad Bank is the oldest Joint Stock Bank of India today. Allahabad Bank personal loans are
essentially offered to the employees of the organisations who have an active salary account with the
bank. Their personal loan product is referred to as ‘New Saral Loan.’ Other than that, Allahabad Bank
also extends personal loans to self-employed professionals (like doctors, lawyers, chartered
accountants, engineers, interior designers, architects etc.) and pensioners (whose pensions are credited
to their Allahabad bank account).
Allahabad Bank personal loan amount can be utilised for purchasing any consumer durable item, 2-
wheeler etc. which can be hypothecated to the bank. You can also utilise it to meet any religious, social,
domestic or other emergency expenses.
Their primary aim is to ensure customer-centric services to all their clients and evolve as a world-class
provider of various financial services. The bank lays a lot of emphasis on product innovation and human

Personal Loan Eligibility Criteria for Salaried / Employed
Allahabad Bank lays out certain important criteria for all applicants of their personal loan product. For
instance, the individual should have a certain minimum gross monthly salary and should be permanently
employed with his/her organisation for the last 2 years. The concerned organisation must have a
minimum of 20 eligible employees on its rolls (excluding State/Central government organisations).
Following are the important eligibility criteria you must meet to avail Allahabad Bank personal loan.

Allahabad Bank Personal Loan Features / Details
As per the terms of their personal loan the loan amount must not be utilised by more than 50% if it’s
being used for meeting any religious, social, domestic and/or some exigency expenses. The base interest
rate and the repayment schedule of the personal loan might change from time to time. Following are
the exact loan features and details including the applicable interest rate, repayment tenure and
repayment mode offered by this bank.

Allahabad Bank Personal Loan Fees / Charges
As is the case with any loan product, there are certain fees and charges associated with Allahabad Bank
personal loan too. Following are the details related to the processing fees, prepayment charges, late
payment charges, bounced cheque charges, foreclosure charges, NOC charges, cheque swapping
charges and other pertinent charges of this personal loan.


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