1. Permanent salaried employees of Central / State government / Corporate Salary Account Holders / Employees of PSU & Companies of repute with minimum 1 year of confirmed service in the current organization.
2. Businessman/Self-Employed Persons / Independent Entrepreneurs who have regular source of income based on 2 years IT Returns.
3. Farmers having minimum 5 acres of land holding engaged in production oriented agricultural activities and in other allied activities minimum land holding of 5 Acres and sufficient disposable income
4. Pensioners of Central/State Government/PSU having minimum pension of Rs.25000/- per month.
5. Corporate Clients (Partnership/Proprietorship Firms/ Companies): 2 year IT Return/Income proofs based on audited balance sheet, P&L A/c.
   The above provisions are applicable only for existing customers with 1 years standing  Others to be considered on perusal of 3 years IT Returns / Income proofs.

1. For Salaried/Pensioners: Rs. 3.00 lakhs (last year income) - Minimum past 2 year ITR/Form 16 from the Employer is Mandatory.
2. For Businessmen/Professionals: Rs. 4.00 lakhs (last year income)- Minimum past 2 year ITR with supporting documents are mandatory.
3. For Persons engaged in Agriculture & Allied activities having ascertainable Minimum income of Rs.4.00 lakhs.
4. For Corporate Clients (Firms/Companies): Rs. 4.00 Lakhs (Last year income)- Minimum past 2 year ITR with supporting documents are mandatory.

1. For Salaried/Pensioners Persons : - Upto 36 times of Net Monthly Salary/Pension on the basis of Last Salary/Pension Drawn, subject to ‘Deduction Norms’ 
2. For Other Individuals : Up to 2 times Average annual income based on 2 years ITRs or Gross Taxable income as per latest ITR(whichever is lower), subject to ‘Deduction Norms’ (Total income would mean Cash Accruals). 
3. Maximum Loan amount :No Upper Limit (For applicant falling under above 1 & 2 Category) 
4. For Corporate Clients (Firms/Companies) : Max. Rs. 100.00 Lakhs or Up to 3 times of Average annual income based on 2 years ITRs or Gross Taxable income as per latest ITR. 

For Existing / New Housing Loan Borrowers And Corporate Salary Account holders -- Min. 10% of Cost of Vehicle (i.e., Ex Showroom Price + RTO Charges + Insurance Charges).

For Others -- Min. 15% cost of vehicle (i.e., Ex Showroom Price + RTO Charges + Insurance Charges).

For Corporate Clients (Firms/Companies) -- Minimum 20% of Cost of Vehicle (i.e., Ex Showroom Price + RTO Charges + Insurance Charges)

Housing Loan / MSME / Corporate Borrowers / Corporate Account holders / Professional & Self Employed Borrowers, having minimum standing of 1 year relationship with our Bank will get 0.25% discount in applicable interest rate. 

Existing Housing Loan borrowers under Standard category for 2 years: upto 65% of the Gross Income including Proposed EMI.

Others: upto 60% of the Gross Income including Proposed EMI

0.25 %

No Processing fee till 15^th November 2019