Loan eligibility depends on multiple factors and varies from case to case.
It is assessed based on income profile, bank statements, existing
liabilities, credit history and property details (where applicable).
Factors Affecting Eligibility
• Type of employment (Salaried / Self-Employed)
• Monthly income and stability
• Existing EMIs and obligations
• Bank statement transactions
• Credit history
• Property details and applicable authority (if any)
• PAN Card
• Aadhaar Card
• Last 3 months salary slips
• Last 6 months bank statement (salary account)
• Form 16
• Appointment / confirmation letter
• Existing loan statements (if any)
• PAN Card
• Aadhaar Card
• Business proof (GST / Shop Act / Registration)
• Last 12 months bank statement
• ITR with computation (last 2–3 years)
• Balance Sheet & Profit & Loss account
• Existing loan statements (if any)
• Document requirements may vary as per loan type and bank policies
• Final eligibility is subject to lending institution approval
• Clear and complete documents help in faster processing
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