• Indian National with age > 19 years
• Must have valid Email id and Mobile number (linked to Aadhaar)
• Aadhaar Card + PAN Card
• Functional webcam with Internet connection
• Personal Bank Savings Account with Net Banking facility

• Online submission of PAN Card & Aadhaar Card

• No prepayment allowed

• Indian National
• Salaried / self employed
• Salary 20,000 Per Month

• Application form with recent photograph.
• ID Proof, Address Proof & Age Proof.
• Bank statement/ passbook for last 6 months or 3 months salary slip + Form 16 + 3 years ITR + Processing fee cheque.

• No preclosure allowed till 6 months of agreement date
• Charges from 7 months to 17 months - 7%
• Charges from 18 months to 23 months - 5%
• Charges from 24 months to 35 months - 3%
• No charges if foreclosure done after 36 months

Min age – 24 years  (as discussed)

Max age – 58 years  

Geo limit-

50kms from city centre for metros 

30kms from city centre for non-metros

Minimum salary norms-

14k - 30k

CIBIL cut-off for eligibility-

550 - 600

New to CIBIL cases accepted 

Identity proof 

a) Passport 

b) PAN Card 

c) Voters ID 

d) Driving License 

e) Aadhar Card 

Address proof 

a) Latest landline / Postpaid bill 

b) Bank statement 

c) Electricity bill 

d) Ration card 

e) Registered Rent agreement 

5% to 6 %

1) Salaried Professional

2) Min. Salary req - 22000 p.m 

3) Age more than 25 to 55 years

1) KYC document

2) Employee ID card

3) Last 2 month Salary Slip

4) Bank statements of your salary account for last 3 months

Types of Fees Charges Applicable

1) Personal Loan Interest Rates-12.99% onwards

2) Processing fees-Up to 3.99% of the loan amount

3) Bounce Charges-Rs. 600 - 1200 Per bounce (Inclusive of applicable taxes)

4) Penal interest-2% of EMI amount per month + applicable taxes or Rs. 200 per month (Inclusive of taxes), whichever is higher.

5) Secure fee (only for online approvals)-Rs. 4,499

6) Outstation collection charges-Rs. 65 + applicable taxes per repayment instrument

Age Band – 18 – 60 years 

Salaried or Self-Employed both

Bachelor / Couple / Small Family / Engaged etc

Monthly Income of the applicant must be above 15K per month

Can operate a mobile or work on a website i.e. has access to internet

Must be using Net-Banking

Must be having valid KYC (AADHAAR, Voter Card, Passport, Driving Licence, Utility Bill), PAN, Bank Account

Address Proof (Any one) – AADHAAR, Passport, Driving Licence, Voter ID, Utility Bill (Landline, Post-paid Mobile, Electricity, Gas)

Identity Proof (Any one) – AADHAAR, PAN, Passport, Driving Licence, Voter ID

PAN

Photograph

Access to Net-Banking

Nil

Service charges:0.918% per day

Extension fee: 0.50% per day

Late payment penalty: 10% per week