• Non-salaried individuals having regular source of income.
• Minimum age of the applicant should be 25 years.
• Maximum permissible age at the end of repayment to be 60 years. This is subject to assessment at the time of sanction the adequacy of income to meet repayment obligation till the age of 60 years.
• Applicant should be customer of our Bank for at least 24 months prior to considering the loan proposal.
• Applicant should necessarily maintain savings or current account with us with AQB of Rs.25000 & above for immediately preceding 4 quarters and conduct of account should be satisfactory, i.e. no cheque return for financial reasons, no adverse feature reported etc.

• Nil

• 1Y-MCLR + 6.00% (floating)

• 0.50% of the loan amount, subject to minimum of ` 500, plus applicable GST.

• 5 years (60 months)
• Up to the age of 60 years

• No security, except personal guarantee.

• Guarantee of a person having means equivalent to the loan amount and minimum Trans union CIBIL score of 700 & above (equivalent score with other credit bureau).
• Guarantee of spouse - However, if the applicant is unmarried/ widow/ widower, then guarantee of a 3rd party having equivalent means and having Transunion CIBIL score of minimum 700 & above (equivalent score with other credit bureau) to be obtained

• Mobile number and PAN are mandatory, whereas Aadhaar is mandatory except for exempted states from North-Eastern Region.

• Proof of identity (any of the following)
  1. Passport
  2. PAN Card
  3. Employee identity card
  4. Any other valid proof
• Proof of address (any of the following)
  1. Electricity bill
  2. Telephone bill
  3. Aadhar
  4. Any other valid proof
• PAN Card.
• Proof of income
  1. Last three years  ITR
• 2 photographs
• Proof of out-goes
  1. Loan repayment statement, if any
  2. LIC Policies, if any
  3. Valid proof of any other out-go

Any other document required as per the application form.