A Pre-Qualified Unsecured Personal Loan is a Personal Loan scheme offered exclusively to our existing selected salaried individual customers.

The minimum age is 23 and the maximum age is 60 years.

The minimum CIBIL score required should be 731.

The loan amount can range from a minimum of Rs. 1,00,000 to a maximum of Rs. 10,00,000.

The loan tenure can range from a minimum of 12 months to a maximum of 48 months.

The eligible ROI is determined based on Bureau Score and may vary from 11% to 16%.

A fixed rate of interest is charged. Interest rate type is “Fixed”.

The applicable charges for a Pre-Qualified Unsecured Personal Loan include a) CIBIL Charges b) NeSL Charges c) Stamp Duty Charges

Yes, the loan carries a processing fee of 1% plus GST on the sanctioned amount.

Foreclosure is not allowed within the first 12 months. After 12 months, there are no foreclosure charges.

Yes, part-payment is allowed.

A penal charge of 2% will be levied on the missed EMI payment.

Defaulting on the loan may lead to penalties, a negative impact on your credit score, and potential legal action for loan recovery.

No, EMI dates cannot be changed once the loan is disbursed.

No, the loan tenure cannot be changed once the loan is disbursed.

Once the loan is disbursed, a Standing Instruction for the EMI will be set up. The EMI will then be automatically repaid to the loan account as required.

The loan is disbursed through direct account transfer.

To close your Unsecured Personal Loan, please visit your branch with the following documents: a.) Request Letter signed by the loan applicant. b.) Payment can be made through cash, cheque, or demand draft.

You can download it via Net Banking, Mobile Banking, or at your respective CUB Branch.

You can obtain a No Objection Certificate (NOC) at your respective CUB Branch.

The offer link is valid for up to 30 days from the offer start date.

45 Minutes from initiating the Link.

Use the “Resume Application” option to log into the existing application and generate a new E-Sign link.

You can resume a partial or incomplete application by using the “Resume Application” option on the login page.

You should have the following details ready: a) Registered Mobile Number with Bank b) PAN c) Aadhaar Number

No, no additional documents are required.

The following devices are compatible: a) Mobile (iOS & Android) b) Desktop c) Tablet (iOS & Android)

No, there is no option to choose a higher loan amount than the eligible amount.

No, a second loan application cannot be processed while the first one is still active.

No, only the mobile number registered with the bank account can be used.

Please visit your account holding branch for any changes in contact details.

a.) SMS to the registered mobile number. b.) Mobile Banking. c.) Whatsapp and d.) E-Mail

Yes, you can reach our customer care at (Ph.04471225000) (EMail:customercare@cityunionbank.in).

Yes, you can find detailed product features at our website (www.cityunionbank.com).