Union Bank Personal Loan : घर बैठे आप यूनियन बैंक से ₹5 लाख तक लोन प्राप्त करें

Union Bank Personal Loan 2024 – Complete Guide

About Union Bank Personal Loan

Union Bank of India offers a hassle‑free personal loan that can be obtained online with minimal documentation. The loan is designed for Indian citizens aged 21 years or above who have a steady monthly income. Interest is fixed at **9 %**, making it one of the most affordable options in the market.

Eligibility Criteria

Required Documents

• Aadhaar Card
• PAN Card
• Proof of Residence (e.g., electricity bill, rent agreement)
• Income Proof (salary slip, bank statement, or IT returns)
• Bank Account details
• Passport‑size photograph
• Mobile number and email ID

Loan Features

• Maximum loan amount: **₹15 Lakh** (special scheme for women up to **₹50 Lakh**)
• Repayment tenure: Up to **5 years** (women’s scheme up to **7 years**)
• Interest rate: **9 %** (advertised as 11.35 % in some promotional material)
• Quick online processing with minimal paperwork

How to Apply Online

1. Visit the official Union Bank personal loan page: https://www.unionbankoreplaceia.co.in/english/personal-loan.aspx
2. Click on the **Personal Loan** section in the menu bar.
3. Fill in the required personal and financial details.
4. Upload the documents listed above.
5. Submit the application and await verification.

Helpline

For assistance, call Union Bank’s dedicated helpline: 1800 2222 43/44

Official Links

• Union Bank Personal Loan – Official Page

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Frequently Asked Questions

• What is the interest rate for Union Bank personal loan? The advertised rate is **9 %** per annum.
• Who can apply for the loan? Any Indian citizen aged 21 years or above with a regular monthly income, except government employees and Union Bank staff.
• What is the maximum loan amount? Up to **₹15 Lakh** for general applicants; women can avail up to **₹50 Lakh** under a special scheme.
• How long is the repayment period? Up to **5 years** for regular loans; the women’s scheme offers up to **7 years**.
• Which documents are mandatory? Aadhaar, PAN, residence proof, income proof, bank account details, passport‑size photo, mobile number, and email ID.
• Is the loan process completely online? Yes, the application, document upload, and submission are all done through the bank’s official website.
• What is the helpline number for queries? Call **1800 2222 43/44** for assistance.
• Can non‑resident Indians apply? No, the loan is available only to Indian citizens residing in India.
• Is there any processing fee? The notification does not mention a processing fee; refer to the official website for any updates.
• How quickly can the loan be disbursed? The bank promises disbursement in a short time after verification, typically within a few days.

Conclusion

Union Bank’s personal loan offers a competitive interest rate of 9 % and flexible repayment terms, making it an attractive option for salaried individuals seeking quick funding. With a straightforward online application and minimal documentation, eligible applicants can secure loans up to ₹15 Lakh (or ₹50 Lakh for women) without visiting a branch. For further details or assistance, refer to the official page or contact the helpline.