Pre-Qualified Personal Loan

Unlock Your Dreams with a Hassle-Free Personal Loan up to Rs.10 Lakhs!

Step into the realm of possibilities with CUB’s Pre-Qualified Personal Loans and make your dreams come true! Get an instant personal loan online.

Unveiling the Benefits of Pre-Qualified Personal Loans:


1. Verify that you have Stable internet connectivity to proceed for Loan Application.
2. Only use the link which received from the Bank Officially via SMS, Net banking, or Mobile banking to avoid misleading phishing sites.
3. Keep a valid mobile number registered with the bank ready for application login.
4. Verify that you have the Aadhaar registered mobile number for proceeding E-Signing.
5. Have your Aadhaar number and PAN ready for application process.
6. Familiarize yourself with the product features on the Bank’s website before logging in to avail the loan.
7. Focus on comparing product features, not just pricing.
8. Choose the right Loan amount option that fits your needs.
9. Ensure you have enough funds to cover processing charges, or any other fees mentioned in the sanction letter.
10. Thoroughly read the loan terms and conditions in the Sanction Letter before proceeding E-Sign.
11. Reach out to customer care service for any issues or queries during the process.


1. Don’t start the loan process through untrusted phishing websites or applications.
2. Don’t use inactive mobile numbers or email ids for login.
3. Don’t trust individuals who are not Bank officials and offer favours for online processing.
4. Don’t apply for a loan amount that is more than your requirement. This could lead to unnecessary debt.
5. Don’t blindly accept terms & conditions in the application process as it could lead to confusion about the loan process.
6. Don’t delay or skip your EMI payments as it can affect your credit score and lead to penalties.


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) (

Yes, you can find detailed product features at our website (

Last Updated on: 20-06-2024 03:35:20 PM

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