Loan Eligibility guide
What lenders usually check – so you apply at the right time, with the right papers.
Sahi taiyari, kam rejection.
General guide only – not an eligibility check or approval promise. Each lender has its own criteria.
What lenders look at
Income
Regular and stable income.
Credit report
Repayment history on loans and cards.
Existing EMIs
How much income already goes to EMIs.
KYC & documents
Matching details across documents.
Location
City/pincode in lender’s service area.
Business records
GST, ITR and banking for business loans.
Get ready
- Same name & DOB on all IDs
- 3–6 months bank statements
- Lower card balances
- Borrow within budget
- Read the KFS
Error in your report?
Wrong entries can be disputed for free with the credit bureau.
CIBIL / Credit Report HelpQuestions about loan eligibility?
Message us on WhatsApp – we explain in simple language. Aapki bhasha mein baat karte hain.
- WhatsApp: +91 90990 08561
- mdexim61@gmail.com
- Mon–Sat, 10:00 AM – 5:00 PM (closed on national holidays)
- We never ask for OTP, PIN or passwords
Disclaimer: We are an independent loan advisory and assistance service provider, not a bank or NBFC. Loan approval and disbursement are subject to the respective lender’s eligibility criteria, credit assessment and internal policies. We do not guarantee loan approval. *T&C Apply.
Consultation charges apply only if you choose our optional paid consultation. Fees are for consulting and assistance services, not a guarantee of approval. We may receive referral compensation from partners when you apply through our links.