Income |
For
Loan amount less than equal to Rs. 60000
A category
cities -
(Mumbai, Delhi, Calcutta, Hyderabad, Chennai and Bangalore)
 |
Minimum
gross salary of Rs.5000/- per month for funding amount
<Rs.45000 |
|
Minimum
gross salary of Rs.6000/- per month for funding amount
greater than or equal Rs.45000 |
For B
Category cities-
(All other cities excluding "A" category cities)
|
Minimum
gross salary of Rs.4000/- per month for funding less than Rs.
45000
|
|
Minimum
gross salary of Rs.5000/- per month for funding greater than or equal Rs.45000 |
For Loan
amount greater than Rs. 60000
Gross
salary to be Rs 7500 for all cities.
|
For
self employed/ proprietorship /partnership firm
For funding
amount less than equal to Rs.50000, gross income (PBDT) of Rs.42k per annum
as per ITR and computation
Tax Challans
aggregating to greater than 15000(equivalent to declared annual income
of Rs. 42000)
For funding
amounts greater than Rs.50000, gross income (PBDT) of Rs.60000 per
annum as per ITR and computation
For
Partnership Firms:
Income
is calculated as: Net Profit + remuneration to Partners +
interest on partner's capital + depreciation
Tax Challans
aggregating to greater than 15000
For
Private /Public ltd. Co's:
Minimum
PBDT of Rs.60000
PBDT shall be calculated as:
Net Profit + Depreciation + Tax
( In
all cases of Partnerships or Pvt ltd. Companies the Partner/Director
would mandatory be taken as a co applicant ) |