• Unsecured Personal Loans
• Secured Personal Loans
• Debt Consolidation Loans
• Emergency Loans:
• Wedding Loans
• Holiday Loans
• Home Improvement Loans
• Education Loans

KYC Documents:

• PAN Card
• Aadhaar Card
• Passport size photos -3 copies

Income Documents:

• Salary Slips of Last 6 Months
• Form - 16 Latest Year
• All Bank Statements of 1 Year from Till Date
• Company ID Card Copy
• Job Offer Later Copy

Resident Documents:

• Latest Electricity Bill Copy
• Rent Agreement (If Rented)

For Salaried Individuals

• Indian Citizenship is a requirement.
• Age should be between 21 and 55 years.
• Employed with the current company for at least 6 months, and overall work experience of 3 years. Stability criteria may not apply to those working with top-tier companies.
• Possession of a salary account is mandatory.
• Some banks consider highly educated or employees of super category A companies, even if it's their first or third job.
• Minimum take-home salary varies: Rs.15,000 and above per month for Super Cat A, Rs.20,000 and above per month for Cat A or listed companies, and Rs.20,000 and above per month for small Pvt. Ltd companies or government sector.
• Class 4 government officers and blue-collar profiles are generally not eligible. Banks often cater to employees of Private Ltd, Limited, and Multinational Companies.
• Minimum education requirement is 12th pass.
• Residence could be owned, rented, or provided by the company. For renters, permanent ownership address proof from any city or village in India is needed.
• Postpaid mobile connection may be necessary for certain banks.

For Self-Employed Individuals

• Business must be at least 4 years old.
• Minimum annual turnover should exceed 25 lakhs.
• Possession of a current account for at least 1 year, with average bank balance equal to the EMI amount for the new loan.
• Loan amount calculation follows the DSTR calculator.
• Maximum loan amount is twice the average IT Return of the last two years.
• Business registration documents, such as Shop Establishment, VAT, CST, and GST, are required. Turnover and IT Return should show growth compared to the previous year.
• No EMI bounce allowed in the last 3 months, and only 1 bounce allowed in the last 6 months.
• Inward cheque returns should not exceed 2% of total transactions.
• Both rented residential and office properties are not accepted as collateral.
• Recent loans taken within the last 6 months may affect eligibility.
• Banking should not account for more than 30% of total turnover.