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Key Loan Information
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About the product:
Personal loan is an unsecured form of credit to enable the customer meet personal or emergency
requirements. It is multi-purpose in nature and therefore can be used for various purposes
including wedding, home renovation, travel purposes and more. The documentation required is
minimum with the ease of getting the amount completely digitally without any hassle.
Key features of the product:
1. No collateral / security
2. 100% digital
3. Quick approvals
4. Easy and hassle-free process
5. Short term loan
6. Minimal documentation
7. No hidden charges
Documents & Loan Eligibility Criteria:
Identity & Address proof and other mandatory
document
• Any Officially Valid Document (or the
equivalent e-document thereof containing
the details of his identity and address), i.e.,
passport, driving licence, proof of
possession of Aadhaar number, Voter's
Identity Card issued by the Election
Commission of India, job card issued by
NREGA duly signed by an officer of the
State Government and letter issued by the
National Population Register containing
details of name and address.
• Permanent Account Number (PAN) or the
equivalent e-document thereof.
Age limit 21- 55 years
Citizenship Applicant must be an Indian citizen and
resident of India
Monthly Income Applicant must have net salary of more than
10k
Employment type Salaried / Self employed
* Terms & conditions apply. Loan disbursal at sole discretion of the Lender.
Loan Details:
- Personal Loan
- Ticket size from Rs.50,000 to Rs.3.5 lakhs
- Flexible Tenure, from 12 to 36 months
Purpose of Loan:
1. Travel - Get a personal loan to fulfil your travel needs and travel to the destination of your
dreams. Get a much-required breather from daily hassle and come back energised
2. Education - Apply for an instant personal loan to help yourself or your family to pursue
higher education or professional certification and help create a brighter and more
successful career ahead
3. Emergency - A quick and hassle-free personal loan to fulfil your needs at the time of an
emergency to be with your loved ones when they need your support. To support any
financial need arising at the time of emergencies
4. Shopping - Want to buy the latest gadget or plan to buy an expensive gift for your loved
one, this personal loan will help you fulfil all your shopping needs
5. Wedding - Planning for a dream wedding, let us help you with the finances and help you in
making this occasion a memorable one.
Compulsory
Documents Required
PAN card
Aadhar Card
12-month salary credit bank statement,
in PDF format downloaded from Bank
website/ bank app/ customer care
email/ bank email
Latest 1 month pay slip/salary
certificate/HR letter confirming salary
Eligibility Criteria
CRITERIA CATEGORY CRITERIA
Salary Minimum Net Salary Deposited in
Bank should be Rs. 15,000
Full Time Employment only
•Contract employee, apprenticeship,
trainees and interns are not eligible
• Self-employed, businessmen, etc. are
not eligible
Employment
Type
Company
Type
Below type of companies are
allowed
• Private Limited Company
• Public Sector Company
• LLP
• Schools
• Hospitals, Medical Centers
• NGOs, Charitable Trusts
• Government employee (State,
Central, or Local Government body)
*Employees of Proprietorship and
Partnership firms are not eligible
Salary Credit
Salary credit should be happening
through bank transfer only.
*Salary by cheque and cash are not eligible
CRITERIA CATEGORY CRITERIA
Eligibility Criteria
Current EMI
Total Current EMI being paid by the
customer should be less than 65%
of his/her monthly in hand salary.
There should be no delay in
repayment of any loan or credit
card in the last 12 months. Any
payment which got bounced
should have been cleared of
inside 7 days.
Total current outstanding for
credit card for the customer
should not be more than 5 times
of their net in hand salary
*Customers with EMI higher than 65%
will not be eligible
e.g. If Salary = Rs. 15,000 then the
maximum EMI of the customer can Rs.
9,500 (9,500/15,000 = 63.33%)
Job history
Work experience should be of
minimum 12 months, with no job
gap in the last 12 months.
If there has been a job change in
the previous 12 months, then the
salary credit from last job should
also be happening through bank
transfer and not cheque or cash
Age
Minimum age of the customer
– 21 years
Maximum age of the customer
– 57 years
Customer should compulsorily
have an own house within their
immediate family. They could
be residing in rented house but
should have an own house.
The own house can be in the
name of the below –
• Own name
• Spouse (Husband / Wife)
• Parents (Mother / Father)
• Grandparents
• Siblings (Own Brother / Own Sister)
• In-laws (Father In-law / Mother Inlaw)
O
!Shubh Shuruaat Start Pay ke Sath!
बिजनेस प्रूफ बिजनेस लोन लेने के लिए जरूरी डॉक्यूमेंट - A
Unsecured MSME Business Loan
Loan Eligibility Criteria Documentation Required
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