মালদা জেলা কেন্দ্রীয় সমবায় ব্যাঙ্ক লিঃ
The object of the policy is to provide fund to the Individual for buying car for personal use.
i) Teaching and Non -Teaching staff - A permanent salaried employee of any Govt. Sponsored Secondary / Primary School or Sr. / Jr. Madrasah / College whose salary is disbursed in our bank account through salary disbursement arrangement under e-PRADAN system.
ii) Employees of other Govt. / Semi Govt. / Statutory Bodies- If there is any specific arrangement with concern department following the West Bengal Govt. E_Payment of Salary Scheme (ePS) (Finance Department Audit Branch Notification No 6621 (F)Y Dated : 29th June, 2011) and extended to a permanent salaried Central Govt. employee drawing salary from our Bank.
iii) Other Salaried Person- A person whose salary arrangement is not with our Bank and who has sufficient repayment capacity.
iv) Business-man and Professional whose annual gross income `7,00,000/- or more and who has sufficient repayment capacity.
i) Teaching and Non -Teaching staff - Total deduction per month inclusive of the instalment is restricted to 60% (Inclusive ECCS loan) of gross pay. Whereas, in deserving cases, where Gross Salary is `35,000/- or more, such deduction may be relaxed up to 70% (Including ECCS Loan).
ii) Employees of Govt. / Semi Govt. / Statutory Bodies - Total deduction per month inclusive of the instalment is restricted to 60%.
If borrower is individual then - Minimum age- 21 Years and Maximum Age -55 Years
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