Salaried Applicants
Stable employment, regular salary credits, manageable obligations and a healthy credit track record.
Know where you stand
Loan eligibility depends on income, obligations, credit history, age, business stability and the lender's policy.
Basic criteria
What lenders generally evaluate
These are broad guidelines. Our experts can assess your exact profile across multiple lenders.
Self-Employed
Business vintage, profitability, banking pattern, tax filings and stability of cash flows.
Property-Backed Loans
Clear title, property valuation, legal acceptability and adequate repayment capacity.
Improve your chances
Build a stronger loan profile
Small improvements before applying can prevent rejection and help you negotiate better terms.
- Pay existing EMIs and cards on time
- Keep credit utilization under control
- Avoid multiple applications at once
- Maintain clean bank statements
- Include a strong co-applicant where useful
- Keep income documents updated