Applying Personal Loan through ATM - PowerPoint PPT Presentation

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Applying Personal Loan through ATM

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Now you don't need to go to Banks, NBFCs and P2P lenders to apply for Personal Loan. You can apply it either online or through the ATM very easily. – PowerPoint PPT presentation

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Title: Applying Personal Loan through ATM


1
Applying Personal Loan through ATM
2
Guess whatnow apply loan from ATM
  • ATMs are generally used for
  • To withdraw cash
  • Generate the PIN to your debit/credit card
  • Check balance amount
  • Transfer money
  • You will be surprised to know that now you can
    apply for a personal loan through an ATM.
  • When you complete any transactions in ATM, you
    can see a pre-approved personal loan offer on the
    ATM screen.
  • However, it is generally offered to pre-selected
    eligible customers.
  • These days almost all ATMS have been designed to
    provide the loan offer based on the customers
    eligibility, such as income, work profile, and
    other personal details.

3
Popular Banks providing instant personal loan
from ATM
  1. Instant personal loan from ICICI Bank ATM
  2. Instant Personal Loan from HDFC Bank ATM
  3. Instant Personal Loan from SBI ATM

4
Instant personal loan from ICICI Bank ATM
  • Customers need to take the following steps to get
    a personal loan on ICICI Bank ATM
  • Complete the transactions (like Balance
    inquiry/Cash withdrawal) at the ATM.
  • A pre-qualified personal loan offer notification
    will be displayed on ATM screen to the customer
    with maximum loan amount the customer is eligible
    for. Click on Apply Now to proceed further.
  • All offers will be shown on the screen according
    to your eligibility. Select any offers.
  • Accept the terms and conditions displayed on the
    screen.
  • For a 2-factor authentication to initiate the
    loan disbursement process, you need to
    authenticate it through your ATM Card PIN.
  • Post authentication, the loan amount will be
    credited into your bank account.

5
Features Benefits of Personal Loan from ICICI
Bank ATM
  1. No need to visit the bank.
  2. Availed at all ICICI Bank ATMs.
  3. Completely paperless and digital process.
  4. Extra layer authentication for secure and robust
    loan application.
  5. Loan amount up to ? 15 Lakhs.
  6. Interest rates starting from 11.25.

6
Instant personal loan from HDFC Bank ATM
  • HDFC Bank has started to offer an instant
    personal loan to its pre-qualified customers at
    its ATMs across the country.
  • Loans are provided based on big data analytics by
    the bank that captures the customers income
    detail, employment status, credit rating, daily
    withdrawals, and the customers repayment
    history.
  • ATMs can provide a 10-second approval and an
    instant disbursal. 

7
Instant personal loan from SBI ATM
  • SBI offers a personal loan and insurance products
    through ATMs to its customers.
  • Based on customers data such as income,
    repayment history, withdrawals and credit rating,
    pre-approved personal loan offers are displayed
    on ATM screen during times when a customer
    performs any transactions.
  • Interested customers can apply for an instant
    personal loan on SBI ATM.
  • They are required to agree to the terms and
    conditions to get the loan.
  • After the mobile number verification, the loan
    amount will be sent to the customers account. 
  • Interest rates starting from 10.90.

8
In the end
  • A personal loan through ATMs is an unconventional
    way of loan disbursement.
  • Paperless.
  • Digital.
  • Especially offered to a pre-qualified customer of
    the bank who has a good track record of income,
    employment, and credit history.
  • Getting a personal loan from ATM can be most
    helpful when a customer is in urgent need of
    funds and banks are closed.

9
Thank You !!!
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