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LOANS Personal Loan Home Loan Loan Against Property Education Loan

Applicable for Professional or


Purchase / Construction of
Purpose NA NA PG courses or Bachelors
residential property
Degree

Age of Entry - 21, Age of Age of Entry - 21, Age of Age of Entry - 21, Age of Exit -
Age Limit Exit - 60 (Sal Person), Age Exit - 60 (Sal Person), Age 60 (Sal Person), Age Of Exit 65 Age of Entry - 16
Of Exit 65 (Bus Person) Of Exit 65 (Bus Person) (Bus Person)

Income of the surity person to


Monthly Income - Existing Monthly Income - Existing Monthly Income - Existing Loan be 3 times of Course fees,
Income
Loan EMI = >25000 Loan EMI = >25000 EMI = >25000 Value of the collateral to be >
course fees

Complete course fees Upto


Monthly Income * 60 or 80% Monthly Income * 60 or 60% of
10 lakhs for studying in India,
Loan Amount Monthly Income * 15 of property Value property Value {whichever is
Upto 30 lakhs for studying
{Whichever is lesser} lesser}
abroad

Rate of Interest 11.5%-20% p.a. 8.24-11% 10.60%-15% p.a. 11% - 15% pa

Charges Processing Fees - upto 2% of Processing Fees - upto 1% of Processing Fees - upto 1% of
NA
Applicable loan Amt loan Amt loan Amt
Max - 5yrs (depends on age Max - 30yrs (depends on Max - 15yrs (depends on age of
Tenure Max - 15yrs
of Exit) age of Exit) Exit)

Income Proof, Id Proof, No Documents upto 4 Lakhs,


Income Proof, Id Proof, Income Proof, Id Proof, Address
Address Proof, Form-16 Surity of Govt Employee
Documents Address Proof, Form-16 Proof, Form-16 (2yrs for
(2yrs for Salaried), Bank required for loans >4lakhs to
Required (2yrs for Salaried), Bank Salaried), Bank Statement
Statement 6mts, property 7 lakhs, Collateral mandatory
Statement 6mts 6mts, property documents
documents for loans >7 lakhs
Business Loan

To Start a New Business or to


Enhance or expand existing
business

Age of Entry - 21, Age Of Exit


65

Annual Income = > 3.0 Lakh

Upto 50 Lakhs

11 % - 19% pa

Processing Fees - upto 3% of


loan Amt

Max - 5 yrs

Income Proof, Id Proof,


Address Proof, Bank
Statement 6mts, Annual
Turnover report, Cash flow
Statement, Audit report, IT
proof past 2-3yrs
Gold Loan Car Loan LAS RM

Purchase of New Car or Source of Income for life


NA NA
Used/pre-owned Car time

Age of Entry - 21, Age of Exit - Age of Entry - 21, Age of


Age of Entry - 21 60 (Sal Person), Age Of Exit Exit - 60 (Sal Person), Age <60 and 1 of the
65 (Bus Person) Of Exit 65 (Bus Person)

Monthly Income - Existing


NA NA NA
Loan EMI = >25000

Upto 90% of Car Value or


Upto 70% of Value of Gold 40-80% of FV 60%
annual income * 4

12% -16.5%pa in Banks


10.5% - 16% pa 9 % - 15 % pa 11.75% - 14 % pa
and Upto 22%pa in NBFC

Processing Fees - upto 1% of Processing Fees - upto 1%


NA NA
loan Amt of loan Amt
15-20yrs, Can be
Max - 1 year Max - 7yrs Max-3 years
extended

Income Proof, Id Proof,


Income Proof, Id Proof,
Address Proof, Form-16 (2yrs
ID Proof, Address Proof ID Proof, Address Proof Address Proof, property
for Salaried), Bank Statement
documents
6mts
CVF 2 Wheeler Loan

Purchase of 2 wheeler
Purchase of Commercial vehicle
vehicle

Age of Entry - 21, Age of Exit -


Age of Entry - 21, Age Of
60 (Sal Person), Age Of Exit 65
Exit 65
(Bus Person)

Monthly Income - Existing Loan Annual Income-72000 -1


EMI = >25000 L p.a

Upto 70-90% of vehicle Value or


Upto 90% of Vehicle Value
annual income * 4

10.5% -16% pa 11 % - 16% pa

Processing Fees - upto 1% of Processing Fees - upto 1%


loan Amt of loan Amt
Max - 5yrs (depends on age of
Max-3 years
Exit)

Income Proof, Id Proof, Address


Proof, Bank Statement 6mts,
ID Proof, Address Proof,
Annual Turnover report, Cash
Income proof
flow Statement, Audit report, IT
proof past 2-3yrs
indinanmo_imc_new

1.28
0.42
1 good
0.64 average
0.96 good
1.28 average
0.96 average
1.28 average
1.28 good
0.96 good
0.3 good
1.28 good
1.28
0.42
1.2
0.576
1.152
1.152
0.864
1.152
1.54 actual point Net point lead id
1.152 0.42 0.504 353201
0.36 1 1.2 353201
1.54 0.96 0.86 353201
0.96 1.152 444824
1.28 1.152 444824
0.64 0.576 501821
1.28 1.54 501821
1.28 1.54 455236
1.28 1.152 455236
0.96 1.152 455236
0.3 0.36 455236
1.28 1.54 495266
11.64 12.728
0.28

0.224
0.448

status
GOOD
GOOD
AVERAGE
GOOD
AVERAGE
AVERAGE
GOOD
GOOD
AVERAGE
GOOD
GOOD
GOOD
total

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