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Eligibility Guide

Loan Eligibility & Documents



Eligibility Criteria

  • Minimum age: 21 years
  • Minimum salary: ₹25,000/month
  • CIBIL Score: 700+
  • Work experience: 1+ year
Interest Rate
10.5%+
Max Tenure
60 Months

Apply for Personal Loan

Required Documents

1
Aadhaar Card (Identity Proof)
2
PAN Card
3
Last 3 months salary slips
4
Bank statement (6 months)
5
Employment letter / offer letter

Eligibility Criteria

  • Minimum age: 21 years
  • Minimum salary: ₹40,000/month
  • CIBIL Score: 750+
  • Property in approved list
Interest Rate
8.5%+
Max Tenure
30 Years

Apply for Home Loan

Required Documents

1
Identity proof (Aadhaar/PAN)
2
Address proof
3
Income proof (12 months salary/ITR)
4
Property documents (sale deed, NOC)
5
Bank statements (12 months)

Eligibility Criteria

  • Business age: 2+ years in operation
  • Annual turnover: ₹20L+
  • CIBIL Score: 700+
  • GST registration preferred
Interest Rate
12%+
Max Tenure
84 Months

Apply for Business Loan

Required Documents

1
Business registration certificate
2
GST returns (2 years)
3
Bank statement (12 months)
4
Audited financials (2 years)
5
Director/proprietor KYC

Eligibility Criteria

  • Minimum age: 18 years
  • Gold purity: 18–24 karat
  • Any income level accepted
  • Indian residency required
Interest Rate
9%+
Max Tenure
24 Months

Apply for Gold Loan

Required Documents

1
Identity proof (Aadhaar/PAN)
2
Address proof
3
Gold ornaments / coins (18–24 karat)
4
Ownership declaration form
Rate Comparison

Current Interest Rates

Rates as of May 2026. Subject to change based on RBI policy and individual profile.



Loan Type Bank / NBFC Interest Rate EMI per Lakh Tenure
Personal Loan SBI 11.15% ₹2,174/L 5 years Apply
Personal Loan HDFC Bank 10.75% ₹2,163/L 5 years Apply
Home Loan SBI 8.50% ₹769/L 20 years Apply
Home Loan ICICI Bank 8.75% ₹783/L 20 years Apply
Business Loan Axis Bank 13.25% ₹2,277/L 5 years Apply
Gold Loan Manappuram 9.90% ₹869/L 12 months Apply
Calculator

Calculate Your Monthly EMI

Use our EMI calculator to plan your finances before applying. Adjust the loan amount, interest rate, and tenure to see the exact monthly payment.

01
Application

Fill the online form with basic details about yourself and loan requirement.

02
Documentation

Submit soft copies of required documents through our secure portal.

03
Verification

Our team verifies your documents and runs a credit check within 24 hours.

04
Sanction Letter

Receive your sanction letter with loan amount, rate, and terms confirmed.

05
Disbursement

Funds transferred directly to your bank account within 1–2 working days.

EMI Calculator
₹10.00 L
₹50K₹1 Cr
10.5% p.a.
8%24%
5 Years
6 Months30 Years
Monthly EMI
₹21,494
Total Interest
₹2.90 L
Total Payment
₹12.90 L
Principal (78%) Interest (22%)

Apply for This Loan