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| Loan Type | Target Group | Key Documents / Eligibility |
|---|---|---|
| Home Loans for Salaried Persons | Salaried Employees |
- Form-16 - Salary Slips - Bank Statements |
| Loans for Self-Employed Non-Professionals | Non-Professional Business Owners |
- Income Tax Returns (ITRs) - Financial Statements - Conventional Assessment Methods |
| Loans for Self-Employed Professionals | Doctors, Architects, etc. | - Gross Receipts Declared in ITRs - A specially designed loan program for professionals (such as doctors, architects, etc.) where loan eligibility is computed based on the gross receipts declared in Income Tax Returns (ITRs). The required documents are professional degrees/diplomas/certificates, experience letters, and proof of business establishment" |
| Loans for Government Employees & Pensioners | Govt. Employees, Retirees |
- Pension Eligibility - Graded Repayment Options - Lump Sum Future Payments Considered - Max Age: 80 Years at Maturity |
| Loans for Small Shopkeepers / Low-Income Applicants | Salaried, SEP/SENP without formal income proof |
- No Salary Slips or ITRs Required - Designed for Informal Income Groups |
| Conventional Loan Computation Methods | All Applicant Types (Business Focused) |
- GST Returns (Turnover & Filing Consistency) - Banking Transactions (Cash Flow, Account Health) - Repayment History |
