Oriental Bank of Commerce Personal Loan Kochi - IFSC, Rates February 2024, Eligibility, EMI

Oriental Bank of Commerce Personal Loan in Kochi

About Oriental Bank of Commerce Personal Loan in Kochi

Oriental Bank of Commerce (OBC) is regarded highly among the banking community due to its ability to develop innovative products that become the taste of the masses. Doesn’t matter if it is the case of people in the north of India to people down to the southwest coast i.e Kochi, the commercial hub of Kerala, the bank is a favourite among many in the country. It’s the bank’s personal loan offer that makes a lot of difference to the people’s lives in Kochi. Want to gain extensive information pertaining to Oriental Bank of Commerce Kochi? Read the information as they come to you from now onward.

Oriental Bank of Commerce Personal Loan Kochi at a Glance

Interest Rate11.40% - 16.95%
Loan Amount₹ 5-10 Lakh
Loan TenureUpto 5 Years
Processing Fee0.5% of the loan amount, subject to a minimum of ₹500
Prepayment ChargesNIL

Oriental Bank of Commerce Personal Loan Eligibility Criteria in Kochi

Want to Avail Oriental Bank of Commerce Personal Loan? Do make sure you are in line with the eligibility criteria set by the lender in Kochi.

  • The loan can be availed by public and private sector employees, as well as the pensioners.
  • The confirmed employees of both public and private sector firms with a net monthly income of ₹10,000 are the eligible candidates for the bank’s personal loan.
  • Further, the net income should not be lower than 30% of the gross income after the deduction of the proposed EMI.
  • Pensioners must not be over 75 years at the time of loan maturity.
  • Also the net amount of pension should not be 50% of the gross pension (Including the proposed loan EMI)

Documents Required for Obtaining Oriental Bank of Commerce Personal Loan in Kochi

OBC wants the customers to be ready with the below documents to access a personal loan in Kochi. 

  • Loan Application Form
  • Identity Proof-PAN Card/Aadhaar Card/Driving License/Voter ID/Passport
  • Residence Proof-Passport/Aadhaar Card/Utility Bill/Voter ID
  • Income Proof-Last 3-6 Month Salary Slip, Last 6-month bank statement, Latest Form 16 & ITR
  • Passport Size Photographs of applicants and co-applicants

Check for more information in Personal Loan Kochi

Oriental Bank of Commerce Personal Loan Kochi Branches

You can find the list of following branches by glancing at the below table. It showcases the addresses, as well as critical information like MICR Code, IFSC Code and others.

Branch NameComplete AddressIFSCMICRContact Detail
PanyapallyGautam Hospital, Panyapally, Kochi, Kerala-682005ORBC01010086820220030484-2221591
S.A. RoadABM Complex, Manorama, Junction, S.A. Road, Kochi, KeralaORBC01011416820220050484-2319292

  • Personal Loan Interest Rates February 2024
    HDFC Bank10.75% - 14.50%
    ICICI Bank10.75% - 19.00%
    IndusInd Bank10.25% - 26.00%
    Kotak Bank10.99%
    RBL14.00% - 23.00%
    SMFG India Credit12.00% - 24.00%
    Standard Chartered Bank11.49%
    Tata Capital10.50% - 24.00%