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For a personal loan you typically need identity proof (Aadhaar/PAN), address proof, last 3 months salary slips, 6 months bank statement, Form 16 or IT returns, and 2 passport-size photos. Self-employed applicants need business proof and 2 years ITR.

With complete documentation, personal loans are approved within 24–72 hours and disbursed in 2–4 working days. Home loans and LAP typically take 7–15 working days. Our advisors expedite the process by pre-verifying documents.

Most banks require a CIBIL score of 700+ for unsecured loans like personal and business loans. For secured loans like home loan and LAP, scores from 650+ are considered. We help improve profiles for better approvals.

Yes. Self-employed professionals, business owners and freelancers can avail loans using ITR, GST returns, bank statements and business proof. Some banks also offer loans against fixed deposits, LIC policies or property.

Fixed interest stays the same throughout the tenure, giving EMI certainty. Floating interest changes with market rates (repo rate). Floating rates are usually cheaper long term but come with EMI variability.

For floating-rate home loans and LAP taken by individuals, RBI has abolished prepayment charges. Personal, business and fixed-rate loans may attract 2–4% foreclosure charges depending on the bank.

Eligibility depends on age, monthly income, existing EMIs, employment stability, credit score, property value (for secured loans) and repayment capacity. Most banks allow EMI up to 50–60% of net monthly income.

LAP is a secured loan where you pledge residential, commercial or industrial property as collateral. It offers lower interest rates (9–11%), higher amounts (up to ₹10 Cr), and longer tenure (up to 15 years).