1. Minimum Age Requirement: Applicants must be at least 21 years old at the time of application.

2. Stable Employment or Business Track Record: Employed applicants must have a minimum of 6 months of continuous employment in their current role.

Self-employed individuals must have at least 3 years of documented income from their business or professional practice, whether as a sole proprietor, partner, or under a registered company (e.g., Private Limited, LLP).

3. Minimum Annual Income: Individual or joint household income must be at least ₹8,00,000 per year.

4. Residential Status: At least one applicant must be an Indian citizen or hold an OCI (Overseas Citizen of India) card.

Applications from Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) are also accepted, provided they meet the income and documentation criteria.

5. Banking History: Applicants must provide 6 months of bank statements from an Indian bank account. For NRIs/PIOs, statements from their local bank account and/or an NRE/NRO account in India are acceptable.

6. Tax Compliance: Applicants must be Indian taxpayers with a valid PAN card and have filed Income Tax Returns (ITRs) for the past 2-3 years.

7. Creditworthiness: Applicants must not have any record of bankruptcy in the past 5 years.

No active defaults or loan write-offs, and no more than 1 settled default in the last 3 years.

8. Guarantor Option: If one applicant does not meet all the requirements, we may consider applications supported by a financially sound guarantor who fulfills these criteria.

9. Location Requirements: Applicants must be based in India or maintain a permanent address in India, even if working or residing abroad.