BANK/NBFC PROGRAM VINTAGE AGE LIMITS
HDFC BANK INCOME 5 Years or 3+2 25 - 65 Years
HDFC BANK ABB - 5,10,15,20,25,30 5 Years or 3+2 25 - 65 Years
HDFC BANK GST 5 Years or 3+2 25 - 65 Years
IDFC BANK INCOME 3 Years 25-60 Years
IDFC BANK ABB - 7,14,21,28 3 Years 25-60 Years
TATA CAPITAL INCOME 3 Years 25-60 Years
TATA CAPITAL ABB 3 Years 25 - 60 Years
TATA CAPITAL GST 3 Years 25 - 60 Years
ICICI BANK INCOME 3 Years 25-60 Years
ICICI BANK BANKING 3 Years 25-60 Years
ICICI BANK GST 3 Years 25-60 Years
ADITYA BIRLA INCOME 3 Years 25-60 Years
ADITYA BIRLA ABB - 5,10,15,20,25,30 3 Years 25-60 Years
RBL BANK INCOME 3 Years 25-60 Years
RBL BANK BANKING 3 Years 25-60 Years
RBL BANK ABB 3 Years 25-60 Years
RBL BANK GST 3 Years 25-60 Years
YES BANK INCOME 3 Years 25-60 Years
YES BANK ABB 3 Years 25-60 Years
YES BANK GST 3 Years 25-60 Years
INDIFI INCOME 3 Years 25-60 Years
BIRLA STPL ABB 1 Years 23-65 Years
BIRLA STPL INCOME 1 Years 23-65 Years
STANDARD CHARTER GIL 5 Years 25-60 Years
BAJAJ - FLEXI FINANCIALA 3 Years 25-60 Years
BAJAJ - FLEXI INCOME 3 Years 25-60 Years
BAJAJ - FLEXI ABB 3 Years 25-60 Years
BAJAJ - FLEXI GST 3 Years 25-60 Years
BAJAJ - FLEXI BANKING 3 Years 25-60 Years
AXIS BANK INCOME Int 3 Years - Ext 5 Years 25-60 Years
AXIS BANK ABB Int 3 Years - Ext 5 Years 25-60 Years
UGRO CAPITAL GST 3 Years 25-60 Years
AXIS BANK MICRO
BL BANKING 3 Years 23-60 Years
HDFC DUKANDAR BANKING Only Current
KA OD & saving Account 3 Years 25-60 Years
FINAAG GST 1 Years 25-60 Years
ARSHAV ABB 2 Years 25-60 Years
PROTIUM INCOME 3 Years 25-60 Years
POONAWALA INCOME 3 Years 25-60 Years
POONAWALA ABB 3 Years 25-60 Years
POONAWALA BANKING 3 Years 25-60 Years
POONAWALA GST 3 Years 25-60 Years
NEOGROWTH Retail/Swiping 3 Years 25-60 Years
NEOGROWTH Vendor Finance 3 Years 25-60 Years
NEOGROWTH Purchase Finance 3 Years 25-60 Years
NEOGROWTH STBL Retail 3 Years 25-60 Years
EDELWEISS INCOME 3 Years 25-60 Years
EDELWEISS BANKING 5 Years 25-60 Years
FULLERTON INDIA INCOME 5 Years 25-60 Years
FULLERTON INDIA ABB 5 Years 25-60 Years
FULLERTON INDIA TURNOVER 5 Years 25-60 Years
FEDERAL BANK INCOME 5 Years 25-60 Years
FEDERAL BANK ABB 5 Years 25-60 Years
HERO FINCORP INCOME 3 Years 25-60 Years
HERO FINCORP ABB 3 Years 25-60 Years
TATA MICRO BL BANKING 2 YRS 23-60 Years
L& T TURNOVER 3 Years 25-60 Years
L& T GST 3 Years 25-60 Years
L& T ABB 3 Years 25-60 Years
IIFL ABB & GST 2 Years 23-60 Years
LENDINGKART ABB 1 Year 25-60 Years
TURN OVER ITR REQ
1.50 Cr - 75 Cr 2 Years
1 Cr - 25 Cr 2 Years
1 Cr - 20 Cr 1 Year with 5 Lakhs PBT
1 Cr & Above 2 Years
NA 2 Years Saral+CI
2 Cr & Above 2 Years
50 Lakhs as per GST in 6 Months 1 Year
1 Cr & Above 1 Year
1 Cr - 75 Cr 2 Years
50 Lakhs - BANK/GST 1 Year
50 Lakhs - As per GST 1 Year
1 Cr & Above 2 Years
NA 2 Years
2 Cr -300 Cr 2 Years ( Both Audited )
2 Cr business credits in 12 Months
2 years Saral+Computation of Income
Minimum ABB of 50000/Month 2 years Saral+Computation of Income
1 Cr as Per GST 2 years Saral+Computation of Income
2 Cr & Above 2 Years ( Both Audited )
1 Cr & Above 1Year ( Latest Audited )
2 Cr & Above 1Year ( Latest Audited )
2 Cr - 100 Cr 2 Years ( Both Audited )
NA NA
NA 2 Year ITR
2 Cr - 102 Cr 2 Years ( Both Audited )
2 Cr 2 Years ( Both Audited )
1.5 Cr 2 Years
1 Cr as per Banking Latest Balance Sheet
1.5 Cr as per GST Latest Balance Sheet
1 Cr as per Banking Latest Balance Sheet
Int 1 Cr & Ext 1.5 Cr 2 Years
1 Cr 1 Year
75 lakhs - 100 Cr NA
NA NA
NA NA
NA 12 Months GSTR3B
1 Cr as per Banking 12 Months Banking & GST
1 Cr - 100 Cr for Manu & Service/ 2 3 Years ( Audited )
2 Cr 2 Years ( Latest Audited )
Not Above 8 Cr in bank credits
2 years Saral+Computation of Income
Not Above 8 Cr in bank credits
2 years Saral+Computation of Income
Not Above 8 Cr in bank credits
2 years Saral+Computation of Income
2.5 Lakhs Swiping/Month 2 Years
10 Lakhs Credits from Listed Companies/Month 2 Years
10 Lakhs Dedits to Listed Companies/Month 2 Years
20 Lakhs 2 Years
1 Cr 3 Years
75 Lakhs as per Banking NA
2 Cr - 50 Cr 2 Years ( Both Audited )
1.5 Cr as per GST NA
2 Cr - 50 Cr 2 Years ( Both Audited )
1.5 Cr 2 Years
1.5 Cr 1 Year
1 Cr - 110 Cr 2 Years
1 Cr - 110 Cr 2 Years
ABB 15000 Last 6 month Not Mandatory
1 Cr 2 Years ( Both Audited )
1 Cr as per GST 2 Year
1 Cr as per Banking 2 Year
10,000 ABB Optional
NA NA
OWN HOUSE/OFFICE TO GO PROFILES
Anywhere in India Must All except Negative List
Anywhere in India Must All except Negative List
Anywhere in India Must All except Negative List
Case to case All except Negative List
Case to case All except Negative List
Mandatory All except Negative List
Mandatory All except Negative List
Mandatory All except Negative List
Anywhere in India Must All except Negative List
Anywhere in India Must All except Negative List
Anywhere in India Must All except Negative List
Except Negative +
Textile+Hospitality+Travels+
Mandatory Electronics
Except Negative +
Textile+Hospitality+Travels+
Mandatory Electronics
Mandatory All except Negative List
Mandatory All except Negative List
Mandatory All except Negative List
Mandatory All except Negative List
All except Negative
Mandatory List+Contractors+Travels+Hotels
All except Negative
Mandatory List+Contractors+Travels+Hotels
All except Negative
Mandatory List+Contractors+Travels+Hotels
Mandatory All except Negative List
Mandatory All except Negative List
Mandatory All except Negative List
Except Negative +
Auto+Hospitality+Travels+
Not Mandatory Electronics+Hotels
Except Negative +
Auto+Hospitality+Travels+
Mandatory in Bajaj Locations Electronics+Hotels
Except Negative +
Auto+Hospitality+Travels+
Mandatory in Bajaj Locations Electronics+Hotels
Except Negative +
Auto+Hospitality+Travels+
Mandatory in Bajaj Locations Electronics+Hotels
Except Negative +
Auto+Hospitality+Travels+
Mandatory in Bajaj Locations Electronics+Hotels
Except Negative +
Auto+Hospitality+Travels+
Mandatory in Bajaj Locations Electronics+Hotels
Except Negative Profiles & Covid
Mandatory anywhere in India Affected Profiles
Except Negative Profiles & Covid
Mandatory anywhere in India Affected Profiles
Healthcare, FMCG, Food
Processing, Agro Chemicals, Light
Mandatory in working Locations Engineering
Mandatory in working Locations Except Negative Listed
Mandatory in working Locations Except Negative Listed
Mandatory in working Locations Except Negative Listed
Mandatory in working Locations Except Negative Listed
All affected segments due to
Mandatory COVID 19
Mandatory List Provided
Mandatory List Provided
Mandatory List Provided
Mandatory List Provided
All unaffected retail businesses
Not Mandatory due to COVID 19
Mandatory All unaffected Vendors
Mandatory All unaffected Buyers
Not Mandatory NA
Mandatory List Provided
Mandatory List Provided
Only Manufacturing & Service
Sector with Plant & Machinery
less than 10 Cr & Trader Above
50 Cr Turnover with Max LA 20
Mandatory Lakhs
Only Manufacturing & Service
Sector with Plant & Machinery
less than 10 Cr & Trader Above
50 Cr Turnover with Max LA 20
Mandatory Lakhs
Only Manufacturing & Service
Sector with Plant & Machinery
less than 10 Cr & Trader Above
50 Cr Turnover with Max LA 20
Mandatory Lakhs
Except Negative +
Auto+Hospitality+Travels+
Mandatory anywhere in India Electronics+Hotels
Except Negative +
Auto+Hospitality+Travels+
Mandatory anywhere in India Electronics+Hotels
Except Negative +
Auto+Hospitality+Travels+
Mandatory Electronics+Hotels
Except Negative +
Auto+Hospitality+Travels+
Mandatory Electronics+Hotels
Mandatory All except Negative List
Mandatory All except Negative List
Mandatory All except Negative List
Mandatory All except Negative List
Not Mandatory All except Negative List
FMCG, PHARMA, FOOD,
MANPOWER, PETROLPUMP,
TELECOM, MOBILES, LOGISTICS,
Not Mandatory SOFTWARE, COMPUTERS
CIBIL ENQUIRIES MOROTORIUM FILES
YES without bounces
NOT >3 IN 6 Months before and after
No USL in 6 Months, Max 2 YES without bounces
USL at Login before and after
YES without bounces
Max 2 USL at Login before and after
YES without bounces
SCORE CARD POSITIVE before and after
YES without bounces
SCORE CARD POSITIVE before and after
6 Enquiries after lockdown, 6 YES without bounces
live loans before and after
6 Enquiries after lockdown, 6 YES without bounces
live loans before and after
6 Enquiries after lockdown, 6 YES without bounces
live loans before and after
NOT >5 IN 3M, 2 LOANS IN YES without bounces
12M, 1 LOAN IN 1M before and after
NOT >5 IN 3M, 2 LOANS IN YES without bounces
12M, 1 LOAN IN 1M before and after
NOT >5 IN 3M, 2 LOANS IN YES without bounces
12M, 1 LOAN IN 1M before and after
NOT >4 IN 2 MONTHS, ZCM YES without bounces
for 7, NCM for 10 Enquireies before and after
NOT >4 IN 2 MONTHS, ZCM YES without bounces
for 7, NCM for 10 Enquireies before and after
NO PROBLEM YES
NO PROBLEM YES
NO PROBLEM YES
NO PROBLEM YES
YES without bounces
NOT >4 IN 6 MONTHS before and after
YES without bounces
NOT >4 IN 6 MONTHS before and after
YES without bounces
NOT >4 IN 6 MONTHS before and after
YES without bounces
NO PROBLEM before and after
YES without bounces
<6 before and after
YES without bounces
<6 before and after
NOT MORE THAN 3 IN 3 YES without bounces
MONTHS before and after
NOT MORE THAN 5 IN 3 YES without bounces
MONTHS before and after
NOT MORE THAN 5 IN 3 YES without bounces
MONTHS before and after
Not >2 USL in 6 Months & YES without bounces
Not >5 Enquiries in 3 Months before and after
NOT MORE THAN 5 IN 3 YES without bounces
MONTHS before and after
NOT MORE THAN 5 IN 3 YES without bounces
MONTHS before and after
Not >5 Enquiries in 6 Months Only 1st Morotorium
Not >4 USL, Not >5 Enquiries
in 6 Months Only 1st Morotorium
YES without bounces
NA before and after
1st Morotorium with 50%
Payment in 2nd
<6 Morotorium
1st Morotorium with 50%
Payment in 2nd
NA Morotorium
1st Morotorium with 50%
Payment in 2nd
NA Morotorium
1st Morotorium with 50%
Payment in 2nd
Not >7 USL Morotorium
Not More than 6 PL/BL
Enquiries/2 PL/BL Loans in 3 YES without bounces
Months before and after
YES without bounces
NA before and after
YES without bounces
SCORE CARD POSITIVE before and after
YES without bounces
SCORE CARD POSITIVE before and after
YES without bounces
SCORE CARD POSITIVE before and after
NO PROBLEM Only 1st Morotorium
NO PROBLEM Only 1st Morotorium
NO PROBLEM Only 1st Morotorium
NO PROBLEM Only 1st Morotorium
YES without bounces
NO PROBLEM before and after
Not more than 5 BL Enquiries YES without bounces
in 3 Months before and after
YES without bounces
NA before and after
YES without bounces
NA before and after
YES without bounces
NA before and after
Any 1 Morotorium
NA Accepted
Any 1 Morotorium
NA Accepted
Not more than 5 USL & Not
above 30% LA borrowed in 12 YES without bounces
months before and after
YES without bounces
Not more than 5 USL before and after
YES without bounces
NA before and after
YES without bounces
NA before and after
YES without bounces
NA before and after
Not more than 10 enquiries
in latest Month YES for Morotorium 1
YES without bounces
<10 last 3 month before and after
YES without bounces
NO PROBLEM before and after
DSCR/FOIR/OTHER
CALCULATION/CONDITIONS CIBIL SCORE NORMS
DSCR (-1) or 750 1.5
BANKING 750 NA
GST - Traders/Retailers - 3%,
Manufacturers/Services - 6% 750 80% FOIR & CTR
DSCR 740 0.8
15% of ABB = EMI 740 NA
DSCR 730 1
(ABB/2) - EMI from other
accounts=EMI 730 NA
GST*Industry Margin 730 1
Eligible income=
PAT+Depreciation+Interest on loans+
Salary /remuneration paid to
Partners/Directors. 700 60% FOIR
Eligible Income = (Last 12 months
credit summation )*7.5% 700 60% FOIR
Eligible Income = (Last 12 months GST
summation )*2/3/4% 700 60% FOIR
1 TO <1.25=20 Lakhs,
DSCR 750 , If 700 - 750 = DSCR >=1.10 >1.25=30 Lakhs
((Annualized Turnover*Industry
Margin)/12-Current Obligations)=EMI
750 , If 700 - 750 = DSCR >=1.10 ABB=EMI
DSCR 675 0.8
((Annualized Turnover*Industry
Margin)/12-Current Obligations)=EMI 675 1
ABB - 1,5,10,15,20,25 675 0.8
((GST Turnover*Industry Margin)/12-
Current Obligations)=EMI 675 0.8
NO 710 1.1
ABB - 1,10,20 710 1.1
NO 710 1.1
DSCR 650 0.9
ABB - 1,5,10,15,20,25 700 NA
((Annualized Turnover*Industry
Margin)/12-Current Obligations)=EMI 700 70% DBR
GST 710 1
EMI*12/TO = should be less than 17% 700 BTO 75%
EMI*12/TO = should be less than 17% 700 BTO 75%
ABB - 2,10,20,30 750 BTO 75%
EMI*12/ Annualised GST TO = should
be less than 17% 700 BTO 75%
EMI*12/ Banking TO = should be less
than 17% 700 BTO 75%
DSCR 700 1.5
ABB - 5,15,25 700 NA
((GST Turnover*Industry Margin)/12-
Current Obligations)=EMI CRIF SCORE NA
ABB - 30000 690 NA
ABB 10000 & 15000 700 0.7
Trading 3% & Man+Services 8% 650 NA
50% Collateral 700 NA
Industry Margin 700 1
DSCR 700 1.25
ABB - 1,5,10,15,20,25 700 NA
((Annualized Turnover*Industry
Margin)/12-Current Obligations)=EMI 700 NA
((Annualized Turnover*Industry
Margin)/12-Current Obligations)=EMI 700 NA
EBIDTA - 7.5 L,
NA 680 CAPITAL - 10 L
EBIDTA - 20 L,
USL Repayment Mandatory 680 CAPITAL - 20 L
EBIDTA - 20 L,
USL Repayment Mandatory 680 CAPITAL - 20 L
NA 680 NA
DSCR 711 0.4
ABB - 1,5,10,15,20,26 711 NA
DSCR 730 1
ABB - Each date of 6 months 730 NA
DSCR 730 1
DSCR 700 1
ABB - 1,5,10,15,20,25 & Not doable if
having OD Limits 700 0.4
CASH PROFIT METHOD 690 1.25
ABB - 5,10,15,20,25,30 730 NA
ABB 700 1.1
((Annualized Turnover*Industry
Margin)/12-Current Obligations)=EMI 700 1.2
((Annualized Turnover*Industry
Margin)/12-Current Obligations)=EMI 700 1.2
ABB - 1,5,10,15,20,25 700 20% of ABB=EMI
(-1) No cibil Allowed &
ABB 675 1
ABB - Daily balance of 6 Months 600 1
SHARE HOLDING Co-Applicant LOAN TENURE
51% 51% Not Mandatory 12 - 48 Months
51% 51% Not Mandatory 12 - 36 Months
51% 51% Not Mandatory 12 - 36 Months
36% + Consent 51% For Proprietor 12 - 36 Months
36% + Consent 51% For Proprietor 12 - 36 Months
51% 51% Mandatory 12 - 36 Months
51% 51% Mandatory 12 - 36 Months
51% 51% Mandatory 12 - 36 Months
51% 51% 55 Years Above 12 - 36 Months
51% 51% 55 Years Above 12 - 36 Months
51% 51% 55 Years Above 12 - 36 Months
51% 51% For Proprietor 12 - 36 Months
51% 51% For Proprietor 12 - 36 Months
51% 100% For Proprietor 12 - 36 Months
51% 100% For Proprietor 12 - 36 Months
51% 100% For Proprietor 12 - 36 Months
51% 100% For Proprietor 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
100% 51% Mandatory 12 - 36 Months
100% 51% Not Mandatory 12 - 60 Months
100% 51% Not Mandatory 12 - 60 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 36 Months
51% 51% For Proprietor 12 - 36 Months
51% 51% For Proprietor 12 - 36 Months
NA NA For Proprietor ONLY OD
51% 51% For Proprietor ONLY OD
51% 51% For Proprietor 12 - 24 Months
51% 51% For Proprietor 12 - 36 Months
51% 51% For Proprietor 12 - 36 Months
51% 51% For Proprietor 12 - 36 Months
51% 51% For Proprietor 12 - 36 Months
51% 51% For Proprietor 12 - 36 Months
51% 51% For Proprietor 540 Days
51% 51% For Proprietor 18 - 24 Months
51% 51% For Proprietor 18 - 24 Months
51% 51% For Proprietor 540 Days
51% 51% For Female 12 - 36 Months
51% 51% For Female 12 - 24 Months
51% 51% Mandatory 12 - 36 Months
51% 51% Mandatory 12 - 36 Months
51% 51% Mandatory 12 - 36 Months
51% 100% Mandatory 12 - 36 Months
51% 100% Mandatory 12 - 36 Months
51% 51% Mandatory 12 - 36 Months
51% 51% Mandatory 12 - 36 Months
NA NA Mandatory 12 - 48 Months
12 - 36 Months &
51% 51% Mandatory OD
12 - 36 Months&
51% 51% Mandatory 0D
51% 51% Mandatory 12 - 36 Months
Only Propritor Not Mandatory 12 - 60 Months
100% 100% For Lady Proprietor 12 - 36 Months
LOAN AMOUNT PRICING
50 Lakhs 17% - 20% 2%
25 Lakhs 17% - 20% 2%
20 INT, 15 EXT 17% - 20% 2%
75 Lakhs 17% - 20% 2%
50 Lakhs 18% - 22% 2%
35 Lakhs 19.5% - 22% 2%
25 Lakhs 21% - 23% 2%
20 - 30 Lakhs 21% - 23% 2%
50 Lakhs 17% - 19% 2%
15 Int, 10 Ext 17% - 19% 2%
15 Int, 10 Ext 17% - 19% 2%
30 Lakhs 18% - 20% 2%
30 Lakhs 19% - 21% 2%
15 - 50 Lakhs 19% - 22% 2%
15 - 20 Lakhs 19% - 22% 2%
15 - 20 Lakhs 19% - 22% 2%
15 - 20 Lakhs 19% - 22% 2%
50 Lakhs 15.75% - 18% 1% - 2%
20 Lakhs 15.75% - 18% 1% - 2%
20 Lakhs 15.75% - 18% 1% - 2%
40 Lakhs 19% - 24% 2.50%
10 Lakhs 20% - 24% 2.50%
10 Lakhs 20% - 24% 2.50%
10 - 50 Lakhs 13.50% 3.50%
45 Lakhs 20% 2%
30 Lakhs 20% 2%
30 Lakhs 20% 2%
30 lakhs 20% 2%
25 Lakhs 20% 2%
30 Lakhs 17% - 18% 2%
Int 15 L & Ext 10 Lakhs 18.50% 2%
25 Lakhs 19% 2%
10 Lakhs 17% 2%
ABB 10000=7 Lakhs&
ABB 15000 = 10
Lakhs 10% 2%
25 Lakhs 17% 2%
20 Lakhs 25% - 30% 2%
35 Lakhs 18% 2%
35 Lakhs 19% 2%
15 Lakhs 23% 2%
15 Lakhs 23% 2%
15 Lakhs 23% 2%
40 Lakhs 18% Flat 2%
50 Lakhs 13% Flat 2%
50 Lakhs 13% Flat 2%
2 - 8 Lakhs 18% Flat 3%
5 L - 25 Lakhs 19% - 25% 3%
3 L - 20 Lakhs 24% 3%
40 Lakhs 19% 2%
20 Lakhs 20% 2%
40 Lakhs 19% 2%
30 Lakhs 19% 2%
30 Lakhs 19% 2%
25 Lakhs 19% 2%
15 Lakhs 20% 2%
10 LAKHS 19% 2%
35 Lakhs 19% 2%
35 Lakhs 19% 2%
35 Lakhs 19% 2%
30 Lakhs 12% & Above 2%
8 - 30 Lakhs 13% FLAT - 18% FLAT 2% - 3%
