Complete policy guidelines, eligibility criteria, and terms for loan approval across all FiClear partner banks.
Click to expand/collapse details
₹15,000/month
Min: 21 years | Max: 60 years
₹50,000 - ₹100,00,000
12 to 84 months
Up to 96 months for salary above ₹100,000 (case dependent)
Click to expand/collapse details
Listed companies: Allowed
Non-listed companies: Allowed (MCA vintage minimum 2 years)
Certain banks & NBFCs allow non-listed companies with conditions such as:
Click to expand/collapse details
Allowed (subject to salary & CIBIL conditions)
Not allowed
Click to expand/collapse details
| Monthly Salary | Maximum FOIR |
|---|---|
| ₹35K – ₹50K | 50% |
| ₹50K – ₹75K | 60% |
| ₹75K+ | 70% |
FOIR may reduce for:
Click to expand/collapse details
| Monthly Income | Multiplier |
|---|---|
| ₹20K – ₹35K | Up to 20× |
| ₹35K – ₹75K | Up to 22× |
| ₹75K+ | Case dependent |
Final eligibility depends on:
Eligibility criteria mentioned above are indicative and subject to:
⚠️ These are bank-specific exceptions & relaxations used by professionals.
Address proof waiver is subject to internal verification and may vary by profile.
Allowed after 3 months
After 6 months
Foreclosure: Allowed after 12 EMIs
Part-payment: Allowed up to 20% after 12 EMIs
Charges as per bank's prevailing schedule
| Bank | Minimum Salary |
|---|---|
| Axis Bank | ₹15K (ETB) / ₹25K (NTB) |
| IDFC Bank | ₹20K |
| YES Bank | ₹25K |
| IndusInd Bank | ₹25K (Listed) / ₹30K (Unlisted) |
| HDFC Bank | ₹30K |
| ICICI Bank | ₹35K (Listed) / ₹75K (Unlisted) |
| Kotak Bank | ₹36K |
| NBFC | Salary Requirement |
|---|---|
| Piramal | ₹15K |
| InCred | ₹15K |
| TATA Capital | ₹15K (TATA emp) / ₹20K listed |
| Finable | ₹20K |
| SMFG | ₹20K |
| ABFL | ₹25K (PL) / ₹40K (OD) |
| Shriram Finance | ₹25K |
| Chola Mandalam | ₹25K + Listed company |
| Poonawalla | ₹30K (Unlisted max ₹5L) |
| Bajaj | ₹35K Growth / ₹40K Prime |
| Axis Finance | ₹50K + Listed company only |