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SPB Loan Against Government Security

Loan against NSC/KVP/LIC Policies/Govt Sec.


  • For Personal/Business requirements


  • Individuals & Business Entity                


  • Loan upto 60 months
  • Nominal Processing Charge
  • No Hidden Charge
  • No Pre-payment/fore-closure charges
  • Interest is charged on reducing balance on daily basis
  • Finance available upto 90% of value of Security
  • EMI must be served regularly
  • No Guarantors Required


Documents Required (Illustrative Only)

(Applicants & Guarantors)
Salaried Self-employed/ Professional Self- employed Businessmen
PAN, Election Card, Driving Licence, Passport Etc.
Resi Proof: Property Tax bill, Light Bill, Telephone Bill, Gas Bill
Form 16, Last 3 Years ITR (Computation of Income, P&L, Balance Sheet) for last 3 Years    ITR  for last 3 years
Salary Slip of last 6 Months Proof of Business Existence
Last 6 Months' Bank Statements Last 6 Months Bank Statements (self & Business)
Loan Statements & Sanction Letter of Existing Loans (If any)

Any other document/certificates as required by Bank


  • Pledge of NSC/KVP, Assignment of LIC Policies
  • Other parameters considered include age, income, number of dependents, financial stability, Family Member's income & past track record etc.


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