Explore Loan Options

Personal Loan

Usually an unsecured loan for eligible salaried or self-employed applicants.

Typical eligibility factors

• Age generally 21–60/65 years, depending on lender
• Stable employment or verifiable business income
• Acceptable credit history and repayment capacity
• Minimum income and work/business vintage as set by lender

Common documents

• PAN and identity/address proof
• Recent salary slips or income proof
• Usually 3–6 months bank statements
• For self-employed: ITR, computation and business proof

Car Loan

Finance for a new or used car, subject to vehicle, borrower and lender criteria.

Typical eligibility factors

• Minimum age and income as per lender policy
• Stable salary or business income
• Credit score, existing EMIs and repayment capacity
• Vehicle age, model, valuation and down payment for used cars

Common documents

• PAN, identity and address proof
• Salary slips / ITR and bank statements
• Employment or business proof
• Vehicle quotation; RC and valuation documents for used cars

Home Loan

Funding to purchase, construct, extend or renovate a residential property, depending on product.

Typical eligibility factors

• Age, income, employment/business stability
• Credit profile, FOIR and repayment capacity
• Property title, legal and technical due diligence
• Margin contribution/down payment and loan-to-value limits

Common documents

• KYC, PAN and photographs
• Salary slips / ITR, Form 16 where applicable
• Bank statements and employment/business proof
• Agreement for sale, title chain, approved plan and property tax/other property papers as applicable

Education Loan

Funding for eligible higher education courses in India or abroad; co-applicant and collateral requirements may apply.

Typical eligibility factors

• Admission to a recognized institution/course
• Academic record and course eligibility
• Co-applicant income and credit profile
• Collateral/security based on loan amount and lender scheme

Common documents

• Student and co-applicant KYC
• Admission letter, fee schedule and academic records
• Co-applicant income proof and bank statements
• Collateral/property documents if required

Business / MSME Loan

Finance for working capital, expansion, equipment, business needs or eligible government-backed schemes.

Typical eligibility factors

• Business vintage, turnover and cash flows
• Banking conduct, credit history and existing obligations
• GST, ITR and financial performance where applicable
• Promoter contribution, security or guarantee if required

Common documents

• Entity PAN, constitution and KYC of promoters
• Udyam, GST and business registration where applicable
• Bank statements, ITR, audited financials and GST returns
• Project report, quotations, projections and collateral papers if applicable

Loan Against Property (LAP)

A secured loan against eligible residential or commercial property.

Typical eligibility factors

• Verifiable income and repayment capacity
• Property title, valuation and legal/technical checks
• Credit history and existing obligations
• Property type, location and lender loan-to-value policy

Common documents

• KYC and income proof (salary or business)
• Bank statements, ITR and financials
• Title deeds, chain documents and property tax receipts
• Approved plan and other property papers requested by lender

Loan Against Securities

Credit against eligible shares, mutual fund units, bonds or other accepted securities.

Typical eligibility factors

• Eligible securities held with an accepted depository/issuer
• Available collateral value after applicable haircut
• Borrower KYC and lender credit policy
• Ongoing maintenance of collateral cover

Common documents

• PAN, identity and address proof
• Demat/holding statement or investment proof
• Bank details and mandate/pledge documentation
• Income and other documents if requested

Other Loan Categories

Ask our team about availability of these and other lender products.

• Two-wheeler loan
• Commercial vehicle loan
• Machinery and equipment finance
• Working capital / cash credit / overdraft
• Project finance
• Gold loan
• Loan for professionals
• Top-up and balance transfer

Documents

Documents depend on loan purpose, applicant type, security and lender policy. The team will share a product-specific checklist after initial assessment.