Clean EMI is a private facilitation service that prepares and forwards loan applications to Indian Overseas Bank and 11 other Public Sector Undertaking (PSU) banks. Our team checks your CIBIL score and documents before your file reaches a Indian Overseas Bank branch, so you visit only once the paperwork is in order. Indian Overseas Bank alone reviews, sanctions and disburses any loan — Clean EMI does not sanction loans and is not affiliated with, operated by, or endorsed by the Government of India or Indian Overseas Bank.
Indian Overseas Bank is one of the 12 PSU banks on this portal, and is empanelled for every loan category listed below. A CIBIL score of 700 or above is required across all of them.
Fill the eligibility form and choose Indian Overseas Bank as your preferred bank. We run a CIBIL check and verify your documents.
Once your file is complete, we forward it to a Indian Overseas Bank branch matched to your loan category and location.
You visit the branch for final verification; Indian Overseas Bank independently reviews, sanctions and disburses the loan.
Indian Overseas Bank branch verification typically asks for the same core documents as any PSU home/LAP loan — PAN, Aadhaar, address proof, income proof and bank statements — plus property or business documents specific to the loan type.
Yes. Indian Overseas Bank is one of the 12 PSU banks this portal routes applications to, subject to eligibility and document verification.
A CIBIL score of 700 or above is required to proceed with an application, across every PSU bank on this portal, including Indian Overseas Bank.
Fill the eligibility form, choose Indian Overseas Bank as your preferred bank, and our team verifies your documents before forwarding your file to the nearest branch.
No. Clean EMI is a private, independent loan facilitation service. It is not a bank, not a government body, and not affiliated with Indian Overseas Bank. Loans are sanctioned and disbursed solely by Indian Overseas Bank.
Fill the eligibility form; we check your CIBIL and documents.
We identify the right PSU bank and scheme for your profile.
You visit once; the bank reviews, sanctions and disburses.
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