| 1. | Purpose of loan | Personal use |
|---|---|---|
| 2. | Ticket Size | Up to Customer Required for Fixed deposit and Investment Amount |
| 3. | Tenure | 6 Month To 24 month |
| 4. | ROI | 18 To 24 % |
| 5. | Processing Fee | PF + GST (1% + GST) |
| 6. | Stamp Duty | As per loan amount |
| 7. | Insurance | Attached the fixed deposit bond |
| 8. | Income | Self-Declaration by customer |
| 9. | Income Stability | 1 Years |
| 10. | Residency Stability | 2 Years |
| 11. | Age Group | 18 to 70 years |
| 12. | Co Applicant | Mandatory with kyc |
| 13. | KYC | 1. ID Proof- PAN Card, Voter ID Card, Aadhar Card, DL and Passport etc. 2. Address Proof- Light Bill, Water Bill, Patta, Ration Card, etc. Note- AADHAR, PAN is mandatory |
| 14. | Living Standard | As per customer profile |
| 15. | Income Proof | Bank pass copy and self-declaration |
| 16. | Mode of Repayment | Direct debit mandate form/NACH/PDC |
| 17. | SPDC | 10 Cheques Mandatory of Applicant. No Blank SPDC/PDC will be Accepted. |
| 18. | Repayment date | Every 3rd and 15th of Next month |
| 19. | PD | Business, Residency and Office Will be carried out As per following- NOTE-But final acceptance will be given from Head office by authorized person. |
| 20. | Disbursement | Single Tranche |
| 21. | EMI date changes (Possible only after full disbursement) | Upto 30 days : No charges (Broken Period Interest to be collected) After 30 Days: Rs. 500 + GST (Broken Period Interest to be collected) After 90 Days: Not possible |