| Eligibility Criteria |
Salaried |
Self-Employed Professional & Non-Professionals |
| Salaried Employees aged 23 and above on application; and aged 58 or retirement age, whichever is earlier, at loan maturity. |
Self-employed Professionals and Businessmen above 25 years of age; and aged below 65 years, at loan maturity. |
| Minimum Gross Annual Income of Rs. 120,000 |
Minimum Gross Annual Income -
Self-employed Professionals - Rs. 100,000
Self-employed Non-Professionals - Rs. 100,000
|
| Documentation |
Application form (Applicant and co-applicant) |
| One Passport size photo (Applicant and co-applicant) |
| If Salary > 5 lac p.a, 1 year job continuity proof ; If Salary < 5 lac p.a, 3 years job continuity proof - Appointment / Promotion / Increment Letter, Form 16 or Salary Slip stating the date of joining |
Proof of Business and Minimum 3 Years experience in their current business |
| Identity proof (Applicant and co-applicant) - Any one of Pan Card, Passport, Driving License or Voter’s ID Card |
| Address Proof (Applicant and co-applicant) – Any one of Passport, Driving license, Ration Card, Voter’s ID Card, Bank statement, Rent Agreement or Utility Bill |
| Date of Birth Proof (Applicant and co-applicant) - Any one of Pan Card, Passport, Driving License or LIC policy |
| Signature proof (Applicant and co-applicant) - Any of Passport, Pan Card, Driving License or Bank Signature Verification |
| Min.3 months Salary Slips starting with the Latest Salary Slip duly authenticated by the Employer (the above to clearly indicate the break up of Gross Earnings, Deductions and Net Salary) |
Latest 2 years ITR with computation of Income, CA certified P& L Statement, Balance Sheet |
| Form No.16 with clear computation of income |
Firm's / Company's Financials, Board Resolution, Partnership Deed, Copy of MOA and AOA wherever applicable |
| Latest 6 months Salary A/c Bank statement |
Latest 6 months Bank Statement |
| If any loan running, loan Schedule and bank statement from which EMI is debited |
If any loan running, loan Schedule and bank statement from which EMI is debited |
| |
Latest Landline Telephone Bill |
| Property Papers (Complete Chain) |
Property Papers (Complete Chain) |
| *All documents submitted by the Applicant / Co-applicant / Guarantor must be self attested and clearly visible. |