BOI दे रहा है आधार कार्ड पर ₹50000 से ₹100000 तक का लोन, ऐसे करें अप्लाई

Bank of India Personal Loan – Complete Guide

About Bank of India Personal Loan

Bank of India (BOI) offers personal loans up to ₹20 lakh to meet various financial needs such as medical expenses, education, marriage, or any other personal requirement. The loan is available to Indian citizens with a stable income source and a good credit (CIBIL) score.

Eligibility Criteria

Required Documents

• Voter ID / Passport / Driving Licence
• Age proof (e.g., Birth Certificate, School Certificate)
• Business proof (if self‑employed)
• Income proof (salary slips, IT returns)
• 6‑month bank statement
• Address proof (Passport copy, Ration Card, Electricity bill)
• Aadhaar Card
• PAN Card
• Bank passbook

Interest Rate & Repayment

Application Process (Online)

1. Visit the official Bank of India website.
2. Click on the ‘Loans’ section and select ‘Personal Loan’.
3. Fill in the required personal and financial details in the application form.
4. Upload the scanned copies of the documents listed above.
5. Submit the application. A reference number will be generated for status tracking.
6. For any assistance, call the BOI Customer Care at 1800 103 1906.

Special Scheme – “Bank of India Star Mitra Loan”

BOI offers a dedicated scheme for differently‑abled (Divyang) individuals with concessional interest rates under the “Star Mitra Loan” program.

Why Choose Bank of India Personal Loan?

• Competitive interest rates
• Flexible repayment tenure (1–5 years)
• Quick online processing with status tracking
• Special rates for pensioners and Divyang candidates

FAQ

• What is the maximum loan amount? Up to ₹20 lakh.
• What is the minimum age to apply? 18 years.
• Is a CIBIL score mandatory? Yes, a good CIBIL score is required.
• Can self‑employed individuals apply? Yes, provided they submit valid business and income proofs.
• What is the interest rate for pensioners? 11.75% per annum.
• How long is the repayment period? Between 12 and 60 months.
• Are there special schemes for differently‑abled persons? Yes, the “Star Mitra Loan” offers lower rates.
• How can I track my application? Use the reference number generated after submission on the BOI portal.
• What is the customer care number? 1800 103 1906.
• Can I apply without visiting a branch? Yes, the entire process can be completed online.

Conclusion

Bank of India’s personal loan provides a convenient financing solution for a wide range of personal needs, backed by competitive interest rates and flexible repayment options. By meeting the eligibility criteria, preparing the necessary documents, and following the simple online application steps, borrowers can secure loans ranging from ₹50,000 to ₹20 lakh. For further details, explore the official BOI website or contact their customer care.

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