Loan Eligibility & Criteria

We offer flexible loan solutions designed to meet diverse financial needs. Please review eligibility requirements and documentation criteria below.

Personal Loan

Eligibility Criteria

  • Indian citizen
  • Age between 21 to 60 years
  • Salaried or self-employed
  • Minimum 1 year work experience
  • Good credit history preferred

Documents Required

  • PAN Card & Aadhaar Card
  • Salary slips / income proof
  • Bank statements (6 months)
  • Passport-size photographs

Home Loan

Eligibility Criteria

  • Indian resident aged 21 to 65 years
  • Salaried or self-employed applicant
  • Stable income and repayment capacity
  • Property must have a clear and marketable title

Documents Required

  • Property documents
  • Sale agreement / allotment letter
  • Income proof & bank statements
  • KYC documents

Business Loan

Eligibility Criteria

  • Minimum 2 years of business existence
  • Proprietor / Partnership / Pvt. Ltd. firms eligible
  • Consistent income and turnover
  • Regular ITR filing history

Documents Required

  • Business registration certificate
  • PAN Card (individual & business)
  • ITR (last 2 years)
  • Bank statements (last 12 months)

Education Loan

Eligibility Criteria

  • Confirmed admission to a recognized institution
  • Applicant must be an Indian citizen
  • Parent / guardian as co-applicant mandatory

Documents Required

  • Admission letter & fee structure
  • Academic records
  • Co-applicant income proof
  • KYC documents

Vehicle Loan

Eligibility Criteria

  • Indian resident aged 21 to 65 years
  • Applicable for two-wheelers and commercial vehicles
  • Stable income source

Documents Required

  • Vehicle quotation / invoice
  • Identity & address proof
  • Income proof
  • Bank statements

Mortgage Loan

Eligibility Criteria

  • Self-owned residential or commercial property
  • Applicant age between 25 to 65 years
  • Regular income source
  • Clear ownership of property

Documents Required

  • Property ownership documents
  • Income proof / ITR
  • Bank statements
  • Identity & address proof

Car Loan

Eligibility Criteria

  • Age between 21 to 65 years
  • Salaried or self-employed individual
  • Stable income with repayment capacity
  • Valid driving license

Documents Required

  • Vehicle quotation
  • Income proof
  • KYC documents
  • Bank statements

Gold Loan

Eligibility Criteria

  • Applicant must own gold jewellery
  • Minimum age 18 years
  • Gold purity as per lender guidelines

Documents Required

  • PAN Card / Aadhaar Card
  • Passport-size photographs
  • Gold jewellery for valuation
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