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Age Criteria* |
The applicant should be above 25 years old at time of application, and upto 58 years of age at time of maturity of the loan |
Any proprietor, partner, professional or director above 28 years but below 65 years at the time of the loan maturity
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Limited companies should have been in existence for at least 3 years |
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Income Criteria* |
Gross annual income of at least Rs. 4.00 lakhs |
Gross annual income of at least Rs. 2.50 lakhs |
Firm should have a minimum PAT (profit after tax) of Rs. 2.50 lakhs
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Minimum PAT (profit after tax) of Rs. 2.50 lakhs |
| Stability |
The total employment stability should be more than 2 years and current employment stability of minimum 1 year |
Business stability should be more than 3 years |
Business stability should be more than 3 years |
Business stability should be more than 3 years |