Putting Your Dreams First

Salaried Individuals

Self-Employed Individuals

Business / Company

Entitled Borrowers

Government / Semi government / PSU / Private/MNCs/ Proprietorship/Partnership businesses

Proprietor /

Partners / Directors

Partnership or Private Limited firms engaged in Manufacturing, Servicing, or Trading

Self Employed Professionals such as Chartered Accountants, Company Secretary & Doctors

Age

The person should be 21years old at the time of loan application and his maximum age should be 70 years

Applicant must be a minimum

of 23 years of age at the time

of application and should be

a maximum of 70 years at

loan maturity.

Proprietor / Key Partner / Main

Director must be a minimum of

25 years at the time of

loan application and should be

a maximum of 70 years at

loan maturity.

Experience / vintage

1 year of overall experience and 2 months

with the present employer.

· Must be running the same

business for the last 3 years

· Professionals with qualification

of CA / CS/doctor with a minimum

of 1 year of practice.

Business stability/history of

minimum 3 years in the same

business.

Income

Net monthly in-hand salary should be Rs.25,000

Gross annual income should be a

minimum of Rs.3 lakh

Annual turnover should be a

minimum of Rs.10 lakh

Citizenship

Individuals with Indian citizenship

Individuals with Indian citizenship

Proprietor / Partners / Directors with Indian citizenship

Salaried Individuals

Self-Employed Individuals

Firm / Company

Identity Documents

 · Aadhaar Card

· Passport

· Voter's ID Card

· PAN Card

· Driving License

· Job card issued by NREGA

· Aadhaar Card

· Passport

· Voter's ID Card

· PAN Card

· Driving License 

· Firm/Company PAN Card, GST

Registration Certificate (If applicable)

, and Other Applicable Registration

· KYC of Partners / Directors PAN Card

and Aadhaar Card

· PAN Card

Address proof

· The electricity bill for owned

premises(up to 3 months)

· Rent agreement for Rented premises

· Passport

· Job card issued by NREGA

· The electricity bill for owned

premises(up to 3 months)

· Rent agreement for Rented premises

· Passport

· The electricity bill for owned premises

· Rent agreement for Rented premises

· Passport for Partner / Directors

Income Proof

· Last 3 month’s salary slip

· Form 16

· Collateralized property document

· Income Tax Returns for the last 2 years, along with computation

· Profit/Loss statement and balance sheet for the latest 2 years 

· Income Tax Returns along for the last 2 years

· Profit/Loss statement and balance sheet for the latest 2 years

· GST Returns

Business / Employment

proof

· Offer letter

· Salary certificate of last 1 year (with company stamp)

· Partnership deed

· No encumbrance documents

Previous chain of documents from the earlier owner(if any property approval plan)

· Partnership deed

· No encumbrance documents

· Previous chain of documents from the earlier owner(if any property approval plan)

Bank Account Statement

bank account statement of the latest 6 months and past 1 year

Operative bank account statement for the latest 6 months

Operative bank account statement for the latest 6 months

Other

document

· Passport size photograph

· Original and photocopies of property documents.

· Possession certificate

· Cost estimation of construction.