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Clean Loans

 Nature of the Scheme

Cash loan to Individuals

To meet any genuine credit requirement of the borrower for personal purpose.

Quantum of Finance
  • For Salaried Persons

Fresh Finance: 8 times gross salary subject to maximum of Rs. 1,00,000 /- (Salary should be routed through Andhra Bank)

Repeat Finance: 10 times gross monthly salary subject to maximum of Rs. 1,50,000/- (take home pay – 40%)

  • Take Home pay : After all deductions including the repayment instalment for the proposed loan shall not be less than 40% of gross salary.
    For Non Salaried Persons : 2 times average annual proven income (Annual income as average of last three years income shown in IT returns/ assessment orders).
    For Pensioners: 8 times of monthly pension. Cap for pensioners is Rs. 1,00,000/- . Maximum age 75 years.
    For LIC Agents :
  • For those who are income tax assesses: Two times of average renewal commission for the previous three years, subject to a maximum of Rs. 2,00,000/-
  • For those who are not income tax assesses: 50% of average renewal commission basing on a statement of income for the previous three years, subject to a  maximum of Rs. 2,00,000/-
  • Maximum age : 55 years
No Margin on clean loans

60 months (EMI)

Take home pay
40% after the proposed installment in case of salaried persons.

A good third party acceptable to the Bank



 Renewal Facility

Renewal facility can be allowed only after 1/3rd of the stipulated repayment period of loans is lapsed and the installments are regular and up to date.

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News & Events

Click here for Notice of Annual General Meeting and Record Date for Payment of Dividend

Waiver of processing charges in Housing Loans, Car Loans, Two wheeler loans, Consumer durables, Clean Loans for the festive season from 25.09.2014 to 31.12.2014

The existing customer grievance redressal mechanism would also cover the complaints relating to outsourcing

Use your Visa Debit Card for shopping in POS/Online within 3 months of card issuance & get 5% Cash back. Offer applicable to cards issued after December 2013,T&C Apply


You can now donate to Shri Saibaba Sansthan Trust, Shirdi through IMPS-Mobile Banking.

Form 15G/15H has to be submitted afresh at the beginning of each financial year to avail exemption/concession in TDS. Quoting of PAN is mandatory for availing such exemptions/concessions.

All our Banks cheques are payable at par henceforth. We request all our customers to surrender their old cheque books at their account branch and obtain CTS 2010 Standard Cheque books immediately.

We request all our customers who have issued postdated cheques for repayment of loan installments for loans availed by them to replace the old PDCs with new CTS 2010 Standard cheques.

Online Grievance Redressal System with Tracking

Online Applications for MSME and Retail Loans

Online Donations to charitable institutions through net banking

Online resetting of Internet Banking Login Password

Interbank transfer of Funds through Mobile Banking using IFSC code

As per RBI mandate, cash retraction facility is discontinued from our ATMs. Do not forget to collect cash before leaving ATM room.

Any customer of SB/Current Account group could walk in to any branch of the Bank to deposit money in his/her account maintained at any branch and there will be no charges on this for any amount.

Fictitious Offers of Cheap funds from abroad - Awareness Campaign - List of Nodal Agency (Cyber Crime Cell / Economic Offence Wing)

Complain to Local Police/Cyber Crime Authorities against Fictitious Offers of Money from Abroad

PPF and SCSS schemes

Do Not fall Prey to Fictitious Offers of Funds Transfer

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