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Royal Bank Of Scotland Personal Loan Details

Abhyudaya Bank 3.75 / 5.04 users

Edinburgh based Royal Bank of Scotland (RBS) started its operations in India in the years 1921. RBS has captured a lot of customer base with the help of fantastic global network and ground level local knowledge.  The bank meets clients’ requirements with its unique banking system. Majority clients of the bank are leading MNCs, Government of India, blue-chip Indian corporations, large financial institutions and other retail HNIs (High Net-worth Individuals).

The bank serves over 30 million people throughout the globe in major countries like the USA and other American countries, UK and other European countries, Middle- East Asian countries, etc.

To avail Royal Bank of Scotland personal loan you should meet following eligibility criteria

  • You should be salaried or self-employed like lawyer, doctor, etc.
  • You must be minimum 18 years old.
  • CIBIL score should be acceptable to the bank.
  • You should have repaying capacity with a fair enough source of income.
  • Your company’s rating from other banks.

If you are found eligible you can apply for the loan and require submitting following documents with the bank:

  • ID card (PAN, Aadhar Card, Voter Card and Passport), Address Proof (Aadhar Card, Voter Card, Utility bills and Ration card) and a few latest passport size photographs.
  • In case of salaried employees, salary slips of last 6 months along with last 3 to 6 months statement of salary account.
  • In case of self employed individuals, you need to provide profit and loss statements, partnership deeds, if any, balance sheets, or any other such document which has relevance to the context.

How CIBIL score affects your eligibility for personal loan in Royal Bank of Scotland?

It is better to have a higher CIBIL score. The score generally ranges from 300 to 900. Ideally, a score of 700 is considered to be a good score. With this much of score in hand, you can think of zero reluctance from the bank for granting the loan if other things are found to be acceptable. The CIBIL score is calculated on the basis of your credit history which includes your previous loans, loan applications, credit cards, etc. Generally, the CIBIL score is the primary document which is seen by the banks after KYC and has a significant impact on acceptance or rejection of your loan proposal.

Average user rating 4.6/ 5
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