1. Age:

   • Applicants must be at least 21 years old at the time of application.

   • The maximum age limit is 60 years for salaried individuals and 65 years for self-employed individuals at the end of the loan tenure.

2. Income:

   • Salaried individuals must meet the minimum monthly income requirement, which varies depending on the loan type.

   • Self-employed applicants should demonstrate a steady income flow through valid documentation.

3. Employment Status:

   • Salaried applicants must have a stable job with a minimum work experience of 6 months in the current organization.

   • Self-employed professionals or business owners must have a minimum of 2 years of experience in their field or business.

4. Credit Score:

   • A good credit score (preferably 700 or above) increases the chances of loan approval.

   • Applicants with lower credit scores may still be eligible, subject to additional terms.

5. Residency:

   • Applicants must be Indian citizens with a permanent residential address.

   • Proof of address is required during the application process.

• Personal Loans:

  • Minimum monthly income requirement for salaried individuals starts from INR 15,000.

  • Self-employed individuals must show proof of regular income through bank statements or IT returns.

• Home Loans:

  • Applicants must demonstrate repayment capacity through income and savings.

  • Property documents must meet legal and technical clearances.

• Business Loans:

  • A minimum business turnover is required, depending on the loan amount.

  • Business vintage of at least 2 years is mandatory.

• Education Loans:

  • Students must secure admission to recognized institutions.

  • Co-applicant (parent/guardian) income is considered for eligibility.

• Gold Loans:

  • Applicants must own gold ornaments or coins of specified purity.

  • No income proof is required.

To ensure a smooth application process, keep the following documents ready:

1. Identity Proof (Aadhar Card, PAN Card, Passport, Voter ID, etc.)

2. Address Proof (Utility Bills, Rental Agreement, Passport, etc.)

3. Income Proof (Salary Slips, Bank Statements, IT Returns, etc.)

4. Business Proof (for self-employed individuals)

5. Property Documents (for home loans or loan against property)

6. Gold Valuation Certificate (for gold loans)

• Maintain a good credit score by clearing outstanding debts.

• Ensure accurate and complete documentation.

• Choose loan amounts and tenures that align with your repayment capacity.

• Declare all income sources to improve eligibility