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SALARIED EMPLOYEE

This category includes salaried doctors, CAs, employees of select public and private limited companies, government sector employees such as public sector undertakings and central, state and local bodies.

You should:

• Be at least 21 years age (at time of loan application) and <=60 years age (at the end of the loan tenure).
• Have had a job for at least 2 years, and a minimum of 1 year with your current employer.
• Earn an income of at least Rs.2,50,000 annually.
• Have a telephone / mobile connection.

Documents you will need to submit:

• Identity Proof: Passport, PAN Card, Voters Id Card, Aadhaar Card, Driving License, Job Card issued by MNREGA (Recent & Legible).
• Income Proof: Latest 2 months’ salary slips with 3 months bank statements.
• Address Proof: Voters Id Card / Passport / Aadhaar
  Card / Driving License / Job Card issued by MNREGA.
• Employment ID card issued by employer.

SELF-EMPLOYED INDIVIDUAL

This category includes self-employed sole proprietors in the business of manufacturing, trading or services.

You should:

• Be at least 25 years age (at the time of loan application) and <=65 years age (at the end of the loan tenure).
• Be in business for at least 3 years.
• Earn an income of at least Rs.2,50,000 per annum.
• Have a telephone / mobile connection.

Documents you will need to submit:

• Identity Proof: Passport, PAN Card, Voters Id Card, Aadhaar Card, Driving License, Job Card issued by MNREGA (Recent & Legible).
• Income Proof: Latest 2 years ITR / Own House proof with last 3 months bank statements.
• Address Proof: Voters Id Card / Passport / Aadhaar Card / Driving License.
• Business Registration Certificate issued by State / Central Govt. Authorities.