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| Eligibility & Documentation |
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Salaried Individuals
Self Employed
Partnership Firms
Private Limited Company
Public Limited Company
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| Salaried Individuals |
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| Eligibility Criteria |
- Minimum age of Applicant: 21 years
- Maximum age of Applicant at loan maturity: 60 years
- Minimum employment: 1 year in current employment and minimum 2 years of employment
- Gross household income i.e. including income of the spouse: Rs 200000 net annual income
- Telephone: Necessary at residence
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| Documents required: |
- Age Proof: Any one of Passport copy, PAN Card, Voters ID card, Photo driving licence with birth date ( laminated, recent , legible), Photo ration card with DOB, Employer certificate/ID, School/College Leaving certificate.
- Proof of Identity: Any one of Passport copy, PAN Card, Voters ID card, Photo driving licence with birth date, Photo ration card with DOB.
- Income Proof: Latest salary slip with latest form 16/latest ITR.
- Address Proof: Any one of Photo Ration card with DOB, Photo Driving licence with DOB, Passport copy, Telephone bill, Electricity bill, Credit Card statement with credit card copy, Employer certificate/ID.
- Sign Verification Proof: Any one of Passport copy, Photo driving licence with birth date ( laminated, recent , legible), Credit Card statement with credit card copy, Banker's verification.
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| Self Employed |
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| Eligibility Criteria |
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- Minimum age of Applicant : 21 years
- Maximum age of Applicant at loan maturity : 65 years
- Minimum employment : Atleast 3 years in business
- Minimum Annual Income : 150000
- Telephone: Necessary at residence
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| Documents required: |
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- Age Proof: Any one of Passport copy, PAN Card, Voters ID card, Photo driving licence with birth date ( laminated, recent , legible), Photo ration card with DOB, Employer certificate/ID, School/College Leaving certificate.
- Proof of Identity: Any one of Passport copy, PAN Card, Voters ID card, Photo driving licence with birth date ( laminated, recent , legible), Photo ration card with DOB.
- Income Proof: Latest ITR / Previous ITR with Adv. Tax paid challan / latest IT asessment order.
- Address Proof: Any one of Photo Ration card with DOB, Photo Driving licence with DOB, Passport copy, Telephone bill, Electricity bill, Credit Card statement with credit card copy.
- Sign Verification Proof: Any one of Passport copy, Photo driving licence with birth date (laminated, recent , legible), Credit Card statement with credit card copy, Banker's verification.
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| Partnership Firms |
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Eligibility Criteria
- Minimum Income : Rs. 100000 p.a
- Minimum turnover : Turnover Rs 25 lacs
- Telephone: Landline at office and at residence of the loan executing partner. Post-paid mobile phone of three month vintage acceptable in case of landline at only one place.
Documents required:
- Age Proof: Partnership deed.
- Proof of Identity: Partnership deed.
- Income Proof: Latest ITR and latest Balance Sheet along with Profit and Loss Account. In case of Business turnovers exceeding 40 lacs or Professional turnovers exceeding 10 lacs, the Balance sheet needs to have been audited and in which case the latest Income Tax Return need not be taken.
- Address Proof: Partnership deed or any of Telephone bill, Electricity bill.
- Sign Verification Proof: Any one of Passport copy, Photo driving licence with birth date (laminated, recent , legible), Credit Card statement with credit card copy, Banker's verification.
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| Private Limited Company |
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Eligibility Criteria
- Minimum Income : Rs. 100000 p.a.
- Telephone: Landline at office
Documents required:
- Age Proof: Memorandum and Articles of Association / Certificate of incorporation.
- Proof of Identity: Memorandum and Articles of Association / Certificate of incorporation.
- Income Proof: Latest ITR and latest audited Balance Sheet along with Profit and Loss Account.
- Address Proof: Memorandum and Articles of Association / Certificate of incorporation or any of Telephone Bill, Electricity Bill.
- Sign Verification Proof: Any one of Passport copy, Photo driving licence with birth date (laminated, recent , legible), Credit Card statement with credit card copy, Banker's verification.
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| Public Limited Company |
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Eligibility Criteria
- Minimum Income : 100000 p.a.
- Telephone: Landline at office
Documents required:
- Age Proof: Memorandum and Articles of Association / Certificate of incorporation.
- Proof of Identity: Memorandum and Articles of Association / Certificate of incorporation.
- Income Proof: Latest ITR and latest audited Balance Sheet along with Profit and Loss Account.
- Address Proof: Memorandum and Articles of Association / Certificate of incorporation or any of Telephone Bill, Electricity Bill.
- Sign Verification Proof: Any one of Passport copy, Photo driving licence with birth date (laminated, recent , legible), Credit Card statement with credit card copy, Banker's verification.
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