Personal Loan
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Personal Loan Eligibility
Eligibility criteria for personal loans may vary by lender, loan variant, and the applicant’s occupation profile. Here are common criteria used by most lenders:
- Age: 18 to 60 years
- Salary: Minimum Rs 15,000 per month (salaried)
- Income: At least Rs 5 lakh p.a. (self-employed)
- Credit Score: Preferably 700+ for better approval chances
- Employment Stability: Minimum 1 year; some lenders may require more
- Business Continuity: Minimum 3 years for self-employed applicants
- Employment Type: Salaried employees of reputed organizations, MNCs, Private/Public Limited Companies, Govt. bodies, PSUs, and large enterprises
Documents Required for Personal Loan
Lenders require specific documents to verify identity, income, repayment capacity, and residence. The common requirements are as follows:
| Requirement | Sole Proprietorship | Partnership / LLP | Private Limited Company |
|---|---|---|---|
| Proof of Identity | Aadhar Card, PAN Card, Passport | Aadhar Card, PAN Card, Passport | Aadhar Card, PAN Card, Passport |
| Proof of Business Existence | GST Registration, Trade License | GST Registration, Partnership Deed, Trade License | GST Registration, Incorporation Certificate |
| Financial Documents | Bank Statements (6 months), Profit & Loss, Balance Sheet | Bank Statements (6 months), Profit & Loss, Balance Sheet | Bank Statements (6 months), Profit & Loss, Balance Sheet |
| Income Proof | ITR for the last 2 years | ITR for the last 2 years, Partnership Deed | ITR for the last 2 years, Board Resolution (for loans) |
| Business Turnover | Last 12 months’ Bank Statements | Last 12 months’ Bank Statements | Last 12 months’ Bank Statements |
| Business Plan (if required) | Business Overview, Growth Strategy | Business Overview, Growth Strategy | Business Overview, Growth Strategy |
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