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Home > Personal Loan > Personal Loan Eligibility

Personal Loan Eligibility

Eligibility and Fee Structure
Eligibility Criteria ( Annual Income)
Age Criteria
Residence (min)
Loan amount
Tenure
Processing Fees
Prepayment Charge
Current Experience
Documents Required
Documents for Professionals
 
Eligibility Criteria
Banks Salaried Self- Employed
ABN AMRO Bank 2,76,000 p.a. 2,00,000 p.a.
Axis Bank 1,80,000 p.a. 2,00,000 p.a.
Barclays Finance 1,80,000 p. a. 1,50,000 p. a.
Citibank 3,00,000 p.a. 3,00,000 p. a.
Fullerton 96,000 p.a. -
HDFC Bank 1,80,000 p.a. -
ING VYSYA 1,80,000 p.a. 1,80,000 p.a.
ICICI Bank 1,44,000 p.a. -
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Age Criteria (in Years)
Banks Salaried Self-Employed
ABN AMRO Bank 25 to 65 25 to 70
Axis Bank 21 to 60 24 to 65
Barclays Finance 21 to 60 25 to 65
Citibank 21 to 60 25 to 65
Fullerton 21 to 60 -
HDFC Bank 21 to 60 -
ING VYSYA 23 to 60 25 to 60
ICICI Bank 21 to 60 -
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Residence (min)
Banks Salaried Self-Employed
ABN AMRO Bank 1 year 1 year
Axis Bank - -
Barclays Finance - -
Citibank - -
Fullerton 1 year -
HDFC Bank 1 year 1 year
ING VYSYA 1 year 1 year
ICICI Bank 1 year -
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Loan Amount
Banks Salaried Self-Employed
ABN AMRO Bank 1,00,000-15,00,000 1,00,000-15,00,000
Axis Bank 1,00,000-20,00,000 1,00,000-20,00,000
Barclays Finance 40,000-17,00,000 40,000-17,00,000
Citibank 50,000-15,00,000 2,00,000-15,00,000
Fullerton 35,000-3,00,000 -
HDFC Bank 50,000 - 15,00,000 -
ING VYSYA 50,000-15,00,000 50,000-15,00,000
ICICI Bank 40,000-15,00,000 -
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>Tenure (months)
Banks Salaried Self-Employed
ABN AMRO Bank 12-60 12-60
Axis Bank 12-60 12-60
Barclays Finance 12-84 12-84
Citibank 12-60 12-60
Fullerton 12-48 -
HDFC Bank 15-60 -
ING VYSYA 12-60 12-60
ICICI Bank 12-60 -
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Processing Fees
Banks Fees
ABN AMRO Bank 2%
Axis Bank 2%
Barclays Finance 2%
Citibank 2%
Fullerton 3%(above 50,000 loan amount),5%(Less than 50,000 loan amount)
HDFC Bank 0.5%(if salaried account in HDFC) if not than 2%
ING VYSYA 2%
ICICI Bank 2%-3%
Reliance Consumer Finance 2%
SBI 2% to 3%
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Prepayment Charges
Banks Fees
ABN AMRO Bank 5%
Axis Bank -
Barclays Finance 5%
Citibank 5%
Fullerton 4%
HDFC Bank 4%
ING VYSYA 4%
ICICI Bank Lower of the two amount given below. 1. 5% of principal outstanding or 2. Interest outstanding for unexpired period of the loan.
Reliance Consumer Finance 5%
SBI -
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Current Experience
Banks Salaried Self-Employed
ABN AMRO Bank - -
Axis Bank - -
Barclays Finance - -
Citibank - 3 year
Fullerton 6 months -
HDFC Bank 6 months -
ING VYSYA 1 year 3 year
ICICI Bank 1 year -
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Documents Required
Banks Salaried Self-Employed
Axis Bank Identity proof, salary slip/form16 with Salary certificate, residence proof, Proof of telephone Identity proof, last two years ITR,residence proof, proof of telephone
Barclays Finance Identity proof, address proof, latest 2 salary slip and 3months bank statement Identity proof, address proof, last two year ITR and 6months bank statement, Degree certificate
Citibank Residence proof, Identity Proof, last 6 months bank statement, Last 2 months salary slip, Residence Proof, Last 2 yr ITR , Identity Proof , age proof, last 6 months bank statement ,Business Proof
Fullerton Identity proof, residence proof ,last 3 months bank statement -
ING VYSYA Identity proof, Last 2 months salary slip, form 16,residence proof,6 months bank statement, Last 2 year ITR, business proof , Identity & age proof, Address proof , last 6 months bank statement
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Documents for Professionals
Banks  
ABN AMRO Bank Professional qualification For eg. Degree, Registration with professional council etc
Axis Bank -
Barclays Finance -
Citibank -
Deutsche Bank Professional qualification For eg. Degree, Registration with professional council etc.
HSBC -
HDFC Bank Proof of qualification, Highest degree
ICICI Bank Proof of qualification, Highest degree
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Product
Name
Mobile +91
Email id
City
Net Salary (Yearly)
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