INCRED

1. Minimum NTH salary >15K

2. Loan Amount: Upto 10 Lakh
3. ROI starting from 13.99%
4. Minimum CIBIL : 650
5. Age criteria: 21 to 55
6. We will fund to employees of Proprietor ship, Partnership, LLP, Pvt Ltd,
Public Ltd & Govt (class 4)
7. Tenure: upto 60 months
8. FOIR: upto 70% (Salary-wise)
9. New to Credit- Yes (-1/0 CIBIL) funding upto 5.00 Lakh with EPF check
10. We can fund Zero deduction salary Employees as well.
11. We will fund for Single stay / Bachelor accommodation/ Staying with
friends ( Employees NTH should be 25K+ & PF verified/ EPFO positive)
12. Login to Disbursal TAT 24Hrs for FTR cases.

Mandatory Area for Process

1. No Physical documents required,End to end fully digital process.
[Link] verification's / Waiver also available on case to case basis [Link]
slips required only if salary narration is not clear or salary credit in multiple
parts in banking.
4. No current address proof required
5. VKYC mandatory in every cases, PL& BL both
6. Latest 3months net banking (PDF) statement / Scanned in a single file.

Restricted Sectors : Security services, media, TV, film, entertainment,

publishing, lawyers, police, Army, DSA’s, collection, Jewellers, liquor shops,
massage Parlours

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 UTKARSH SMALL FINANCE BANK

PERSONAL LOAN POLICY

Salary norms
1. Cat A Cat B 25k nth minimum required For Coimbatore location
30k nth minimum required for Tier1 location
2. Cat C,Cat D-30k for all location
Government-30k nth required for all location except delhi
3. Cibil 650 & above doable
4. 8 cibil enquiries in last 60days accepted
5. Minimum loan amount 1.50lacs and maximum loan amount 15lacs
6. Minimum age 23years required and maximum age 58years
7. Upto 5BT doable,Personal loan, Credit card,Jumbo loan BT doable
8. Credit card 100%outstanding BT doable
9. Cibil -1 doable for Cat A company only
10. No multiplier only foir concept
11. Recent loan cases doable
12. Subject to closure option available for all app loans
13. Joint loan Emi debited on Coapplicant account and having income
14. 14. proof we won't obligate
15. Nill foreclosure charges if closing with own fund after 6months
If closing with BT 4percent+GST
16. 25% part payment doable every six months once with Nil charges
17. Locations-Coimbatore,Chennai,Bangalore,Hyderabad Mumbai,etc..
18. Original Pan card mandatory at the time of vkyc
19. Permanent address OHP required with relationship proof
mandatorily at the time of disbursement

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 L & T FINANCE
Personal Loan
✅Loan amount: ₹1 lakh to ₹30 lakh
✅Minimum Salary: ₹25,000
✅ ROI : 11.50% to 17.9% based on Profile
✅Eligible Companies: Pvt Ltd , Govt and Listed LLP
✅CIBIL Score: Above 700
✅New to Credit (-1): Upto 10L for Scat A , Cat A & Upto 5L for rest of
catagories ..
✅Geo Limit : Basised On pincode
✅Category A Companies : Tenure up to 72 months
✅Category B, C, D: Tenure up to 60 months
✅FOIR : 55% - 80% Basis Salary/Cat/Risk
✅Balance Transfer (BT) PL only : - 3 PL BT & OD BT
✅ Enquiry - Last 30 Days Upto 10
✅Age limit - 21 to 58
✅ Processing Time ( TAT ) - 24 Hours Onlys

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 IDFC POLICY
Salaried Policies
Company (PVT LTD, LTD, STATE GOVERNMENT, CENTRAL GOVERNMENT, LISTED
LLP).
* AGE 23 TO 60 *
NTH SALARY - 20K AND ABOVE
* LOAN AMOUNT 1 LAC TO 1 CR
* TENURE 12 M TO 60 M
* Work from home cases can be done (OHP MUST)
Additional Address Proof*:
* Ration card (In customer name)
* Bank statement (In customer name)
* Gas bill (In customer name)
* EB bill (In customer name)
* Telephone, Postpaid, Net bill (In customer name)
Now customer can avail *72M / 84M* tenure..
👉 🏻 For ACE+, ACE, Cat SA, Cat A, Cat B & Cat C.

👉 🏻 NTH 50k. For Non IDFC salary A/C & NTH 35k for IDFC salary A/C

👉 🏻 Age > 28 & < 51

👉 🏻 18 months served or live Track in PL / AL / HL.

👉 🏻 If Fresh case - eligibility 5 years & Tenure 72M / 84M.

👉 🏻 If BT case - eligibility 72M / 84M for respective tenure.

Documents for Salaried:

* Address Proof (Aadhar, Voter ID, Passport, DL, OH EB BILL)
* PAN
* 3 months payslips
* SALARY ACCOUNT STATEMENT
LOCATIONS : Madurai - Melur* *SIVAGANGAI* *VIRUDHUNAGAR* *TIRUNELVELI*

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CHOLA

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TATA CAPITAL

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7
 AXIS FINANCE
1. Semi-Urban Locations: Distance increased to 50 km (earlier 40 km) 50 km
2. Rural Locations: Distance increased to 40 km (earlier 25 km)40 km
3. Unsecured FOIR Limits Revised:
Green Band: 65%
Yellow Band: 62%
Amber Band: 60% Amber Band Criteria: Urban & Metro:
30,000 NDI, FOIR up to 70%
Rural: ₹15,000 NDI, FOIR up to 70%
4. Govt. / Super Cat A Companies: Min. Salary: ₹50,000+
5. Incentives Consideration:
Monthly: Avg. of Last 3 Months
Quarterly: Avg. of Last 2 Quarters
6. BT Tradelines:
3 Months Min. Seasoning
No EMI Bounce in Last 3 Months
PL Shift:
7. 1 PL Disbursed in Last 3 Months (earlier 6 months)
8. Collection Profiles: Allowed for Green & Yellow Band
9. Frontline Sales Staff (SM/SO) of Banks & NBFCs:
Allowed for Green & Yellow Band

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9
ADITYA BIRLA

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HDFC

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 FIBE
1. Min 20K Net , Max 1L to 5L, Tenure - 18 to 36
2. All profile acceptable
3. ROI 22 to 26
4. Unlimited Part Payment , foreclose is there - 0% charges
5. Age 19 to 55 year
6. Payslip no need
7. Last 3 months Bank statement, PAN, AADHAR
8. Address proof no need
9. Rent, Own, PG, Hostel can do
10. Cibil - 700 Above must, Cibil (-1) can do
11. Gold - 1% obligated doable, card 5%
12. Number of enquiry is no need
13. PF irundha case varum ilana 50/50
14. Private limited panna case varum illana 50/50
15. Login to disbursement = 1 day process
16. Listed Pin-code can only do
17. If customer need Insurance, can do if not no need
18. Below 3L irundha Resi FI illa, Above 3L irundha Self FI pannikalam
19. PF / Official Mail ID/ Office FI must
20. Login Approval, App install, VKYC, Nach agreement
21. Joined loan 15% PL, BL, HL - 10L - 15 EMI - 17%
22. UPI salary credit aana not possible
23. IMPS salary pannamatanga

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 FINNABLE
Bureau Score
ETC NTC
CIBIL Score >=675 for West and South zones
N/A
>=700 for East and North zones
Finnable Score NA >=600
Min. Loan Amount 50,000 50,000
Max loan amount 770,000 450,000
Min. Tenor 6 6
Max Tenor 60 36
55 at login
Min. age 21 60 till loan
maturity
55 at login
Max Age Same as ETC
60 till loan maturity
DSA -
Rs 20,000 for Tier 1,
Rs. 15,000 for Tier 2 net salary credit

Direct Channel -
Rs 18,000 for Chennai, Mumbai,
Hyderabad and Pune
Rs 20,000 for rest of T1 cities
Rs 15,000 for T2 cities
Minimum Income (Average of
- All three months salary will be
the last two months)
considered for salary eligibility
- Reimbursements can not be
considered as salary
- 3 Salaries must be credited. Latest
month salary has to meet minimum
location criteria
- A nominal deviation on salary credits
may be allowed upto 19k in T1 cities
and 14,500 in T2 cities basis all salary
credits
A loan offer is only valid for 15 days
from the day bureau pulled. After 15
Offer Validity days bureau will be reassessed and
loan offer can get changed depending
on the latest bureau infromation

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Residence pin code - as per cities we are operational in, which will be
communicated time to time

Bureau

DPD's on earlier loans in bureau

DPDs, written offs and overdues are
Write off / settled taken care by system. Assessment to
be done on adverse payment history
If bureau showing overdue cases.
amount
As per what is reflecting in Banking or
Bureau

For Joint loans-

a) If EMI debit is seen in customer
Obligation
banking 100% EMI to be obligated
b) If EMI debit not seen in customer
banking 50% EMI to be obligated.
- Any loans with 3 or less than 3 EMIs
pending are not to be obligated
All pre-closed loans must be treated as
obligations unless it is verifiable in the
Pre-Closure bureau that the loan has been closed.
This applies regardless of the loan
amount.
Enquiry/ Loan takeup conditions
Enquiry in last 6Months >22
Enquiry in last 3Months >15
Enquiry in last 6 Months for
customers with max loan less than >8
1Lakh
No of PL taken in last 6 months >8
No of PL taken in last 3 months >3
Employment checks

Public Ltd, Pvt Ltd, LLP, Partnership,

Sole Proprietorship, and HUF (Hindu
Undivided Family), Schools, Colleges
Type of companies allowed
and Hospital.
Sole propreitorship is only allowed in
West and South zones

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 Employment verification through one
of the below means is mandatory for
a case to be approved - no exception
to this:-

a) EPFO Check (customer's EPFO to be

spotted for 3 months including last
month or previous to last month) -
EPFO check details below A(i)
b) Official email verification - Has to be
verified in the system or as per rules
below A(ii)
c) Office verification (physical) -
guidelines detailed in verification tab
A. Employment check
OV to be mandatorily initiated for
below conditions

(a) If less than 25 employees spotted

in EPFO then OV to be initiated
(b) If multiple match found in EPFO
due to common name, then official
mail confirmation to be done or OV to
be initiated
(c) If company Establishment date is
<6months old - OV to be initiated,
though PF is verified or official mail is
verified
(d) OV initiation will be done for some
locations even if PF is verified
For Pvt Ltd/Sole
Prop/Partnership/LLP/ HUF
EPFO check details-A(i) If PF is visible in salary slip, PF =has to
be found in EPFO portal, else case is
rejected
Email verification will be considered
done when both the below checks are
done:-
a) OTP based verification plus
b) API validations which includes but
Official email ID verification not limited to the following
rules-A(ii)
- Email should match customer's
name
- Domain should meet vinatge criteria
- Company’s website should have this
email in their contact page

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 A physical office verification may be
initiated even if EPFO is verified which
may be dependent on the following
- Company vintage (If the company
was recently established)
- Number of employees in EPFO is less
than acceptable threshold
B. Office verification
- High salaried customer from riskier
location
- Common name seen in EPFO and not
verified using EPFO through PAN
- Part of location where OV is
mandatory as communicated to the
ZSM
No salary slip is required for the
following cities Pune, Mumbai and
Chennai,
For other cities 2 months salary slips
C. Salary Slip mandatory for DSA channel
Uploading non salary slip documets in
salary slip section is not allowed
In case of salary slip fabrication, cases
are rejected
Pvt Ltd/Public ltd/LLP - With PF: 3
salary credits from 2 different
companies allowed with PF. PF to be
validated for both the companies
Pvt Ltd/Public ltd/LLP - Without PF: 3
salary credits from same company
D. Employment stability check mandatory
Sole prop, Partnership and HUF (with
PF) - 3 salary credits from same
company mandatory
Sole prop and partnership (without
PF) - 6 salary credits from same
company mandatory
Bars, Event management company,
Casino, Law and legal firms, SPA &
saloon (SPA and Saloon listed
E. Negative industry
companies are allowed), Media
Industry (Digital marketing is allowed),
Micro finance companies, Restaurants

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Employment related other
scenarios

If working on payroll of different

Allowed
company
Contractual employee without PF not
Contractual Employee=
to be allowed
Reject as per Restricted List and
Negative Profile List. Restricted profile
is attached in another sheet. Negative
profiles are blue collar profiles (such as
Negative work profile
security guard and security supervisor)
which is only doable with good bureau
and other variables as decided by
system.
Allowed only if customer’s home is in
Finnable location (where he/she is
working from home) AND
Allowed only if EPFO or email ID is
verified

Work from home profile - If customer is “working from home”

from a non Finnable location, then
reject
- If customer stays in a Finnable
location, but works in a non-Finnable
location, such cases can be done
within normal policy

Bank statement

3 salary crediting bank statement to

be collected. Salary can be credited
through multiple bank statements and
Bank statement period
can be accepted as long as all
statements are verified and fitting the
banking policy
Minimum of 30 day transaction is
Minimum Period for a bank required to accept a bank statement.
statement to be accepted The statement also has to be verified
and must fit finnable banking policy
- To be asked only where >2 inquiries
in last 1 month or Penny Drop is seen
Updated bank statement - For banks- Standard Chartered,
IndusInd bank, Saraswat cooperative
bank till yesterday's date banking is

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 allowed
- For cases delayed due to lender
movements/cancellations, latest
banking need not be asked.
Any bounce in recent 3 months will be
# of NACH/ECS bounces assessed by underwriters for
repayment behaviour and decisioned
- If variable pay is not available for 3
Variable Pay months, Its not to be considered in
salary calculation
Few locations are mandated for e
mandate, If bank does not support e
Non NACH Banks mandate case may not be proceeded.
Please refer supported bank list for
more information
Please refer to Other scenarios - Cash
Cash withdrawal/Salary transfer
withdraw Tab

Other checks

Device Login Mandatory

Mandatory for all cases above 5l and non
OKYC
credit officer locations
Residence verification to be done as per RV
waiver flag. However, in case of any red
Residence Verification
flags/concerns on the case, RV can be
initiated for RV waiver cases also
Loans in the same house is only allowed if 12
EMI is completed for earlier case. Loans to
Same address Check
family members are allowed without 12 EMI
getting completed
To be collected if customer salary is above 12l
Form 16
in year / >1l in a month

Additional documents
PF Passbook - when PF
deducted but not Not accepted, to be treated as PF not checked
available in website

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 If a penny drop transaction is detected, place
the case on hold for 3 business days,
excluding Sundays. After the holding period,
get till date banking. If no loan credits from
other lenders are observed, proceed with
case disbursement.

If loan credit from another lender is detected

during the hold, reduce the customer's
eligible loan amount.
Penny Drop
Example Scenario:
Penny Drop Date: March 21, 2024 (Thursday)
Day 1: March 22, 2024 (Friday) – Counted
Day 2: March 23, 2024 (Saturday) – Counted
Exclusion: March 24, 2024 (Sunday) – Not
counted
Day 3: March 25, 2024 (Monday) – Counted
Action: March 26, 2024 (Tuesday) – Obtain
the latest bank statement and disburse if no
other loan credits are found.
-Till date or Till Yesterday (for specific banks)
Redo Underwriting to be mandatorily asked for the Redo
underwriting cases

Tier Logic

Tier 1/cities Cities

The below Top 6 Cities only to be
considered as Tier 1 cities:

1. Delhi
2. Mumbai
3. Bangalore
Tier 1
4. Chennai
5. Hyderabad
6. Pune

Apart from the above list, all the other

cities are to be Tier 2/ Tier 3 city.
Delhi, Delhi NCR, East Delhi, Gauttam
Delhi Budhnagar, Gurugram, New Delhi,
Noida
Dombivli, Kalyan, Karjat, Mira
Mumbai Bhayandar, Mumbai, Navi Mumbai,
Navi Mumbai Panvel, Panvel

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Bangalore Bangalore, Bangalore Rural, Bengaluru
Chennai Chennai
Hyderabad Hyderabad, Secunderabad
Pune Kharadi, Pimpri, Pune

Verification

Office Verification
OV Decision Maker PF is Present PF Unavailable
In House Team and External Agency Underwriting Team Underwriting Team

Residence Verification
Zone RV decision Maker
South, East, North and West Credit Officer or Credit Manager

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 ICICI
1. ICICI and other bank account holder 30k net salary (ELITE, SUPER
PRIME)
2. ICICI account holder - 35k net salary must (PREFERRED)
3. Other bank account holder - 40k net salary must (PREFERRED)
4. ICICI account holder - 50k net salary (OPEN MARKET)
5. Other bank account holder - 75k net salary (OPEN MARKET)
6. Listed & unlisted company loan will be provided
7. Age - 21 to 58
8. Tenure 2 years to 5 years
9. Roi 9.99% to 13.50%
10. Cibil must be 700 above
11. Credit card used limit 8%
12. Gold loan obligation 1% in 1Lakh
13. Cibil -1 doable
14. Credit card bi not doable
15. 2L varaikum card use panirukalam adhuku mela use panirundha over
obligation
16. Other bank bt doable
17. ICICI (PL) after 6 months can do bt (pre closing charges 3.5%)
18. After 1 year - pre closing charges 0%
19. Yearly 3 times part payment available
20. Processing days Minimum = 2 days, Maximum = 3 days
21. ICICI la 3 EMI poitu irundhalum can do topup

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AXIS BANK

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FULLERTON

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 POONAWALA
We are offering Unsecured Business Loans through Poonawalla
Fincorp.

🔹 Loan Amount: ₹8 Lakhs to ₹50 Lakhs

🔹 Minimum Business Vintage: 2 Years

🔹 No Own House Proof Required

🔹 Fast & Hassle-Free Processing

🔹 Interest Rate: Starting from 16.50%

📍 Locations Covered: Trichy, Erode, Tanjore, Ariyalur, Perambalur,

Kumbakonam, Karur & Pudukottai

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INDUSIND

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PIRAMAL

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 BANDHAN
Special rates 9.99%, 10.25,10.50,10.75,10.85
PF start from 4999/-

Firstly We are Generate the CIBIL as per profile & Then we will forward to
Login On the Spot
💠 Age -Minimum 21 yrs
💠 Age -Maximum 60 yrs
✳️Income Norms
💠 Govt/CAT A/CAT B/CATC : 25K
💠 CAT C: 25K If WFH40K
💠 CAT D : 40K

▶️Unlisted company vintage of 5 years in MCA and salary >40K will

consider under CAT C, If less than 40K will consider under CAT D.
▶️Non government teacher profile will be consider CATB if
salary >30K, if salary less than 30K case not to be processed

✳️Loan Amount
💷 Minimum Rs. 50k💷
💷 Maximum Rs. 25Lac
💠Cat D & open market employees Maximum Loan Amount
Capping @ 5 lakhs & if customer salary 75k+ cibil score 750+ will give
10lakhs.
💠For CIBIL -1/0-18 cases Loan Amount Capping at 8 lakhs For
CATA/B if good profile , 3 lakhs for CATC/D.

✳️Resi Stability
Minimum 6 months with (Address Proof/ Notarized Rent
Agreement/ Company Accomodation)

Incase of Bachelor Accomodation Permanent Address FI along with

Owned House Proof is Mandatory.

✳️Job Stability
Minimum 1 yr job Stability at multiple organization, atleast 1 salary
credit in the present organization.

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 For Govt. Employees Stability of 3 months required.
Multiple PL
Upto Maximum Loan Cap subject to Credit Conditions are Met.

✳️FI Norms
Both office and Resi FI Compulsory for all.

Exceptions:
💠 Defence Employees
💠 Cat A and B Companies where entry restricted official mail id
confirmation required,
✳️Underwriting Norms
💠 Minimum CIBIL Score required 700.
💠 No. Of Maximum Unsecured Loans 3 (including Bandhan Bank
retail loans) we can take waiver up to 5 loans
💠 Credit Cards Out standing will not be considered into less than
3 times of net salary under Retail Loans.
💠 Active on Last 6 EMIs loan tenure not to be obligated.
💠 If Cibil between 700 to 730 FOIR will reduce 10% on applicable
FOIR
💠 Minimum salary require 30K for 700 to 730 Cibil
customers, Below 30K not to be sourced,
Work from home norms
👉CATC and CAT D minimum income- 40K

👉Cibil - 730
👉Bachelor accommodation to be restricted
If rented house PA verification with OHP Or CIBIL Track with
vintage more than 6 months

For CATA and CATB

👉monthly income - 25K
For Rented / comp accommodation PA verification with OHP Or
CIBIL Track with vintage more than 6 months

✳️Banking Norms
💠 3 months salary account bank statement.
💠 Allowed 1 inward cheque return in last 3 months.
💠 Allowed 1 ECS bounce in last 6 months.

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💠 Minimum 1 transaction every month in the account considered for
FOIR.
💠 Minimum ABB FOR 3 Months should be >= 1 EMI of the proposed loan
Amount
For Address and signature proof for Bandhan Bank SB Account enough to
be opened post sanction.

✳️Variable Calculations:
💠 50% of Average of last 3 months variables to be added back to the
salary.
💠 Variable should be a part of Salary Slip.
💠 Variable Components should be regular. One time components not to
be considered.
💠 Reimbursement of any kind not be considered.
💠 Last salary slip should not be more than 30 days old.
💠 Incase customer has pension income with salary, it will be clubbed
when reflecting in banking and pension order is available.
💠 Rental Income to be added subject to bank transfer and availability of
notarized rent agreement.
Salary income after clubbing the rental income has to be more than 75% of
the total income.
✳️FOIR NORMS
💷 0-30k : 50%
💷 30k-50k : 60%
💷 50k-75k : 65%
More than 💷 75k : 70%

✳️Grade 4 Sourcing
Co-Applicant has to be mandatory added to the application.

✳️ROI
We are giving best rates in market based on profile and Cibil🙏🙏

Minimum: 9.99%
Maximum : 15.49%

any kind of profile or income🤝*Conditions Apply

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