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Home Loan Calculator
Loan Eligibility Criteria Overview
| Criteria | Details |
|---|---|
| Age | 21–60 yrs (salaried), up to 65 yrs (self-employed) |
| Income | Min ₹15,000–₹25,000/month (varies by loan & lender) |
| Employment Type | Salaried / Self-employed / Business Owner |
| Credit Score | 700+ preferred for unsecured loans |
| Repayment Capacity | Income-to-debt ratio, existing EMIs checked |
| Nationality | Indian Resident / NRI (for NRI loans) |
| Loan Type | Key Eligibility Highlights |
|---|---|
| Home Loan | Stable income, CIBIL 700+, min 2 yrs job/business continuity |
| Personal Loan | Good credit history, fixed income, no collateral |
| Business Loan | 1–3 yrs business vintage, ITR, GST filings |
| Auto Loan | Min ₹15,000–₹25,000 income, job stability, vehicle quote |
| Education Loan | Confirmed admission, co-applicant income (parent/guardian) |
| Gold Loan | 18–24k gold, ID & address proof, minimal docs |
| Loan Against Property | Property ownership, regular income, title docs |
| Agricultural Loan | Land proof, cultivation plan, subsidy eligibility |
Documents
Common Documents for All Loan Types:
- ID Proof (Aadhaar, PAN, Passport)
- Address Proof (Utility Bill, Aadhaar, Passport)
- Passport-size Photos
- Income Proof (Salary Slips / ITR / Bank Statements)
- Last 6 Months Bank Statements
- Duly filled Loan Application Form
- ID Proof (Aadhaar, PAN, Passport)
- Address Proof (Utility Bill, Aadhaar, Passport)
- Passport-size Photos
- Income Proof (Salary Slips / ITR / Bank Statements)
- Last 6 Months Bank Statements
- Duly filled Loan Application Form
| Loan Type | Additional Documents (Short Form) |
|---|---|
| Home Loan | Property papers, Sale agreement, NOC from builder, Occupancy certificate |
| Personal Loan | Salary slips (3–6 months), Employment letter if salaried |
| Business Loan | Business registration, GST returns, ITR (2–3 yrs), Balance sheet |
| Auto Loan | Proforma invoice, RC book (if used car), Insurance copy |
| Education Loan | Admission letter, Fee structure, Academic records, Co-applicant ID |
| Gold Loan | Gold for pledge, PAN/Aadhaar, Basic KYC |
| Loan Against Property | Property title deed, Valuation report, No Encumbrance Certificate |
| Agricultural Loan | Land ownership proof, Kisan Card, Revenue record, Crop plan |
Home Loan Compare
HDFC Bank
Home Loan
Details
Interest: 6.75%
Tenure: 30 yrs
Fees: 0.35%
Prepay: Free
ICICI Bank
Home Loan
Details
Interest: 6.70%
Tenure: 30 yrs
Fees: 0.50%
Prepay: Free
Kotak Mahindra
Home Loan
Details
Interest: 6.85%
Tenure: 30 yrs
Fees: 1%
Prepay: 2% Fixed
Axis Bank
Home Loan
Details
Interest: 6.75%
Tenure: 30 yrs
Fees: 0.40%
Prepay: Free
Bajaj Finserv
Home Loan
Details
Interest: 7.25%
Tenure: 20 yrs
Fees: 2%
Prepay: 2% Fixed
Business Loan Compare
HDFC Bank
Business Loan
Details
Interest: 11.50%
Tenure: Up to 4 yrs
Fees: 2%
Limit: ₹50L
ICICI Bank
Business Loan
Details
Interest: 11.00%
Tenure: Up to 5 yrs
Fees: 1.5%
Limit: ₹75L
Kotak Mahindra
Business Loan
Details
Interest: 12.00%
Tenure: 4 yrs
Fees: 2%
Limit: ₹60L
Axis Bank
Business Loan
Details
Interest: 11.75%
Tenure: 5 yrs
Fees: 1.5%
Limit: ₹70L
Bajaj Finserv
Business Loan
Details
Interest: 17.00%
Tenure: 3 yrs
Fees: 2%
Limit: ₹50L