Everything you need to apply

Eligibility, documents, the step-by-step process, our fees, and answers to the questions we hear most.

Eligibility Documents Required Loan Process FAQs
Eligibility

Who can apply

Age

21–60 years at loan maturity.

Income type

Salaried, self-employed, or informal income accepted.

Credit history

No strict minimum score — assessed holistically alongside repayment capacity.

Co-applicants

Spouse or family co-applicant can strengthen eligibility.

Documents Required

What to keep ready

KYC documents

  • PAN Card
  • Aadhaar / address proof
  • Passport-size photographs

Income proof

  • Salaried: salary slips & Form 16
  • Self-employed: ITR & bank statements
  • Informal income: bank statements / alternate proof, assessed case-by-case

Property documents

  • Sale agreement / allotment letter
  • Title documents
  • Approved building plan (for construction)
Loan Process

From enquiry to disbursal

1

Online Enquiry

Share your details online or by phone. Typically same day.

2

Door-step Verification

A representative visits you once to collect and verify documents.

3

Sanction

We complete internal checks on income, property and credit, then issue your Key Fact Statement.

4

Disbursal

Funds are released as per your loan agreement and disbursal schedule.

FAQs

Common questions

What loan amount can I get?
Loans range from ₹5 lakh to ₹35 lakh*, depending on income, property value and repayment capacity.
Do you lend to self-employed or informal-income applicants?
Yes — we assess salaried, self-employed and informal income applicants using income proof appropriate to each category.
How long does approval take?
Timelines vary by case complexity and documentation, but our doorstep process is designed to minimise delays on your end.
Who do I contact if I have a complaint?
Reach our Grievance Redressal Officer via the Policies & Disclosures page or the Contact page.

*Rates, tenures and loan amounts are indicative and subject to credit assessment and documentation.