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Indian Overseas Bank Loans

Indian Overseas Bank is one of the favorite choices for borrowers in India. The bank offers an all-inclusive array of loan products to cater to the various needs of the customers. Indian Overseas Bank loans are tailor made to suit the budgets of the borrowers and come with attractive rates and terms.

About Indian Overseas Bank Loans

Indian Overseas Bank loans are known for the competitive interest rates and flexible repayment terms. Loans from Indian Overseas Bank (IOB) are available under different categories which are given below:

Indian Overseas Bank Loans – Personal Banking

The personal banking division of Indian Overseas Bank offers the following loan products:

1) Retail loans

  • Consumption Loans-Sahayika
  • Clean Loan
  • Vehicle Loans- Phushpaka
  • Educational Loans-VidyaJyoti
  • Commercial Cash Credit against Jewellery

2) Home Loans and Mortgages

  • Home Improvement Scheme
  • Housing Loans - Subha Gruha
  • Mortgages- Liquirent (Loan Against Rent Receivables)
  • Mortgages- Home Décor
  • NRI Home Loan
  • Mortgages- Easy Trade Finance
  • Housing loans for NRIs and housing loans for family members of NRI

Indian Overseas Bank Loans – Corporate Banking

The corporate banking division of Indian Overseas Bank comes up with the following innovative loan products:



1) Micro Small & Medium Enterprises (MSME)

  • Working Capital Loans
  • Term Loans
  • Loans for Self Employed and Professional

2) SME Policies

  • Policy on Nursing and Rehabilitation of Sick MSME Units
  • Loan Policy for Micro and Small Enterprise Sector
  • OTS Policy for Micro and Small Enterprises

3) Loans for IT and IT-enabled services (Business Process Outsourcing)

4) Loans for Medium and Large Industries

Indian Overseas Bank Loans – NRI Banking

The NRI banking division of Indian Overseas Bank offers the following loan products:

  • Home loans for non resident Indians
  • Home loans for family members of non resident Indians

Indian Overseas Bank Loans – Rural Banking

The rural banking division of Indian Overseas Bank offers the following loan products:

1) Priority sector lending

2) Rural products

  • Akshay
  • Sanjeevini
  • Credit Card (Laghu Udyami Credit Card)
  • Housing - Credit cum subsidy for Rural Housing
  • Credit Card Swarojgar
  • IOB Credit Card (Artisan Credit Card)

3) Short term agricultural loans

  • Credit Card KCC
  • New Kisan Credit Card
  • Agri General Purpose credit card
  • Kisan Green Card
  • Agri Bike
  • Agri Clinic
  • Agri Land

4) Loans for associated agricultural activities

5) Medium Term Agricultural Loans

6) Indirect Agriculture Loans

7) Micro Finance Self Help Groups

8) Long Term Agricultural Loans

Besides the abovementioned loan products, Indian Overseas Bank also offers some other specialized loan products which include the following:

  • Loans against LIC policies
  • Loan against Indira Vikas Patra, National Savings Certificates and Kisan Vikas Patra
  • Loan Schemes for Urban Micro Enterprises
  • Personal loan to citizens
  • Pensioners’ loan scheme

Whatever be your requirement, Indian Overseas Bank loans can work as a perfect financing solution for you. For getting a really good loan offer, you should talk to the nearest branch of Indian Overseas Bank.



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