Where Our Numbers Come From

HDFC's eligibility page (checked live 25 Oct 2026) publishes age 21-60, 2 years' total experience with 1 year at the current employer and a flat Rs 25,000 minimum net monthly income, with no separate floor for non-HDFC salary accounts (the old Rs 50,000 figure was aggregator-sourced and is dropped). Its FAQ calls 720 the minimum and ideal score; an older HDFC page cited 650. The product page advertises up to Rs 1 crore and rates of 9.99-24%; tenure is 12-72 months (the calculator runs 1-7 years, an FAQ says 12-60 months). FOIR, the income multiple and the 750 preferred score are working estimates.

For employees with an SBI Salary Package Account, covering central/state government, railways, police, PSU, defence and corporate-sector employees: age 21 to 60 (the loan closes by retirement or 60), at least 6 months' service for government/defence or 12 months for corporate, and Rs 20,000 (government/defence) or Rs 25,000 (corporate) net monthly salary; the engine applies the lower figures, so corporate applicants need 12 months and Rs 25,000. Loans run Rs 1 lakh to Rs 50 lakh over 6 to 84 months, capped at the lower of 65% EMI/NMI and 30 times NMI, at 10.00% to 15.00%. SBI asks only for a 'decent' score under internal policy, so the 700 floor, 750 preferred score and the corporate employer-category limit are our estimates. This page does not mention Real-Time Xpress Credit, so no separate RTXC terms are modelled.

ICICI publishes age 20 to 58 for salaried (23 to 65 at maturity for self-employed), Rs 30,000 net monthly income varying by employer and relationship, 2 years' work experience, Rs 50,000 to Rs 50 lakh over 12 to 84 months and 9.99% to 16.50%; self-employed applicants need 2 years in the current business and are booked as a Business Instalment Loan. A screenshot showing a minimum age of 18 was not used. ICICI publishes no minimum score or FOIR: 750 is its stated preference, while the 700 floor, 55% FOIR, 22x income cap, 12 months with the current employer (not stated consistently across ICICI pages), 12 months at the current residence (from an ICICI blog) and the Rs 15 lakh / Rs 40 lakh self-employed turnover figures are our working estimates.

Product page: salaried applicants only (government, PSU, public and private limited company staff, salaried doctors), age 21 to 60 at maturity, Rs 15,000 a month for Axis customers and Rs 25,000 for others; the earlier Delhi/Mumbai Rs 25,000 floor for all applicants is dropped because the product page gives Rs 15,000 to existing customers without a city carve-out. Axis calls 750+ a healthy score and advises keeping existing EMIs within 40% of take-home; the 720 floor, 60% FOIR, 22x multiple, 6 months in the current job, amount and tenure are our working estimates. Rate is the 3-year MCLR table, 8.90% to 21.55% (loans disbursed Apr to Jun 2026 ran 8.75% to 21.55%).

Kotak's eligibility page (checked live 25 Oct 2026) publishes age 21-60, employment with an MNC / public limited / private limited company, graduation or diploma, 1 year of work experience and minimum net monthly income of Rs 25,000 for Kotak salary account holders, Rs 30,000 for others and Rs 20,000 for Kotak employees, with loans up to Rs 1 crore over up to 72 months and rates from 10.99%. It calls 750+ generally good while its FAQ says 685 or higher, so 685 is used as the floor. The 6 months at the current employer, 12 months' city stability, 24% rate ceiling, FOIR and income multiple are not on the eligibility page and are kept as working estimates; a Mumbai page gives age 21-58 and another FAQ gives Rs 25,000 (Delhi / Mumbai) or Rs 20,000 (other cities).

The main personal-loan page gives age 21 to 60 and CIBIL 710+; the 760 self-employed score, the 28 to 68 self-employed age band and the Rs 20,000 / Rs 25,000 income floors come from the eligibility calculator page and were not re-confirmed in the Oct 2026 review. FIRSTmoney, the digital variant, lends Rs 50,000 to Rs 15 lakh over 9 to 60 months with no part-prepayment allowed; the amount and tenure here describe the main product and are kept. Rate starts at 9.99% (the 20% cap is our estimate; contracted loans ran 9% to 28%); 55% FOIR and 24x multiple are our estimates.

Product page: age 21 to retirement or 60 (salaried) and 65 (self-employed), 1 year of continuous service or stable business, CIBIL 701+, no co-applicants, Rs 1 lakh minimum at metro/urban branches (Rs 50,000 rural/semi-urban) up to Rs 20 lakh. FOIR is 40% to 70% of gross income by income band (55% used for a typical earner); government/defence staff get 70% with a salary account elsewhere and 75% with a BoB salary account, plus 72 or 84 months versus 48 to 60 months for others. Rate is the BRLLR-linked card 10.15% to 17.50% (fixed MCLR-linked 10.95% to 18.00%); card predates the Oct 2026 benchmark change; adjusted +0.25. The income floors, 750 preferred score, 20x multiple and pensioner age are still aggregator-reported, not on the product page.

PNB's Personal Loan for Public page publishes confirmed employees of central / state government, PSUs and reputed institutions with at least 2 years of service including previous employers where salary is drawn through PNB (3 years under the check-off route), loans up to 24 times gross monthly salary capped at Rs 20 lakh, a third-party guarantee and repayment within 72 EMIs or the remaining service. Age, income floors, score and FOIR are not published and remain estimates, so the block stays inferred; the rate range is also an estimate (the 9.50% figure seen is PNB's base rate, not a product rate). A separate self-employed professional scheme (Rs 6 lakh income, CIC 750, up to Rs 5 lakh) is not modelled.

IndusInd's product page publishes: salaried 21 to 60 at maturity (or retirement), Rs 25,000 net monthly for online applications, 2 years' employment with 1 year at the current employer and 1 year at a rented residence; self-employed 25 to 65 with Rs 4.8 lakh annual net income and 4 (professionals) or 5 years' post-qualification experience. Loans run Rs 30,000 to Rs 50 lakh over 12 to 84 months (instant digital loans up to Rs 5 lakh over 48 months; the Mumbai page says 60 months) from 10.49%. The page says 'preferably 730' and its FAQ and Mumbai page say minimum 730, so 730 is the floor. No FOIR, income multiple, upper rate or preferred score is published: 55%, 20x, 26% and 750 are our estimates.

Salaried criteria are from the product page: age 21 to 58, Rs 20,000 a month, 2 years total experience with 1 year in the current job and CIBIL 725+ described as preferred (the separate documents page still says Rs 15,000, a live conflict - product page used). Self-employed applicants may apply but Tata publishes no self-employed thresholds, so they are assessed on the salaried values as our estimate. The 12-month minimum tenure, 60% FOIR and 24x income multiple are our working estimates; rates run 10.99% to 33% (APR up to 45%) on the rates page.

Bajaj Finance publishes Indian nationals aged 21 to 80 at maturity, salaried or self-employed, CIBIL 650 or higher, Rs 40,000 to Rs 55 lakh over 12 to 108 months and 10% to 30.5%; its salaried page puts the salary floor at Rs 25,001 'based on city'. The 685 paperless-approval score used earlier is not on the current pages, so the floor is now the published 650. The Rs 35,000 metro floor and 12 / 6 months' experience come from the Bajaj Finserv Markets eligibility page (not repeated on bajajfinserv.in), and the 60% FOIR, 24x income cap and 750 preferred score are our estimates (the FAQ lists high FOIR and probation as rejection reasons).

Salaried page publishes age 21-60, 1 year total experience with 6 months at the current employer, a preferred 700+ score and loans up to Rs 25 lakh (the main page advertises up to Rs 50 lakh); rates start at 10.99%. The income floor rests only on the eligibility FAQ, which says Rs 20,000-40,000 depending on city and loan type while another FAQ on the same page says there is no minimum, so the Rs 20,000 base is estimated and the Rs 35,000 metro floor is kept as a working estimate. The 32% rate ceiling, FOIR and income multiple are not published and are working estimates; no self-employed numeric thresholds are published.

Union Personal (salaried, non-government): minimum gross salary Rs 15,000/month (Rs 20,000 in Delhi, Mumbai, Kolkata, Chennai, Bengaluru, Ahmedabad and Pune), age 18 to one year before retirement, up to 60 months, Rs 5 lakh for a first-time borrower rising to Rs 15 lakh with a 2-year repayment record (Rs 15 lakh outright under the tie-up scheme). Non-salaried scheme: Rs 5 lakh new / Rs 15 lakh existing, repayment up to age 75. The professional scheme (CA, CS, doctors, engineers, Rs 12 lakh+ income) goes to Rs 20 lakh; the 700 CIBIL floor is published on that scheme. Self-employed income floor (Rs 1.8 lakh p.a.) is not published - a nominal figure so the engine has something to size against. Interest rate is not on the product page; the engine's PSU rate card is used.

Canara Budget (scheme page): Prime for confirmed government, defence, PSU and autonomous-body staff up to Rs 50 lakh, Delight for confirmed employees of reputed corporates, MNCs, institutions and IT/BT firms up to Rs 40 lakh, at 25 months' gross salary, 1 year of confirmed service, take-home of at least 25% of salary or Rs 10,000 after all EMIs, tenure up to 84 months and spouse/legal-heir co-obligation. Age 21 to 60, the Rs 13,500 floor and the 750 preferred score are our assumptions because the scheme page publishes none, so the block is tagged inferred. Rate is the RLLR card 9.70% to 15.00% by route and credit grade (Delight grade 4 not eligible); card predates the Oct 2026 benchmark change; adjusted +0.25. Canara Ready Cash (existing payroll customers, CIC 700+, age 21 to 55, Rs 50,000 salary credit, Rs 50,000 to Rs 10 lakh, 12 to 60 months) is priced at 9.70% (RLLR) or 9.00% (fixed-premium card) before that adjustment.

IB Clean Loan to Salaried Class: permanent employees with 2 years' service at government, quasi-government, boards, endowments, reputed companies or corporate establishments; entry age 21; the loan closes 3 months before superannuation; take-home pay after the EMI must stay at or above 40% of gross; up to 20 times gross monthly salary over up to 84 months, capped at Rs 50 lakh where salary is credited to Indian Bank without a check-off and uncapped with a check-off or an existing Indian Bank home loan. Published term-loan rates are 9.65% to 10.15% floating and 10.90% to 11.40% fixed. No income floor or score is published: the Rs 15,000 floor and Rs 50,000 minimum are nominal estimates, so the block is tagged inferred. Self-employed professionals have a separate IB Professional loan (age 21 to 70, Rs 7.5 lakh gross a year for 2 years, up to 2.5 times income or Rs 30 lakh) that is not modelled here.

Cent Personal Loan: permanent employees of railways, government, schools, hospitals and municipal bodies with 1 year of service, or confirmed employees of Indian/multinational companies with 3 years' service - in both cases with a salary account at Central Bank. Minimum gross salary Rs 1.80 lakh p.a.; quantum 24 times gross salary up to Rs 20 lakh; net take-home must stay at 50% of gross after all EMIs (40% with an employer undertaking); tenure 84 months; published CIBIL floor 700, with guarantor requirements relaxed at 750/800. Age is not published - standard salaried window assumed. Processing fee 1%.

IOB Personal Loan: confirmed employees of government, PSUs and reputed private firms; take-home after the proposed EMI must exceed 50% of gross. Category A/B (government, or private-sector with salary credited to IOB for 6 months) get 25/20 times gross monthly salary up to Rs 30 lakh; Category C (no IOB salary account) gets 10 times up to Rs 15 lakh with guarantors. Tenure up to 84 months. Age and income floor are not published - standard salaried window and nominal floors assumed. Rate not on the product page; PSU rate card applies.

UCO Cash: salaried borrowers 21 to 60 including the repayment period, non-salaried 21 to 65. With a UCO salary account the quantum is 20 times gross monthly income up to Rs 20 lakh; without one it drops to 5 times and Rs 5 lakh (10 times / Rs 10 lakh for some employer categories); non-salaried applicants get 5 times gross monthly income up to Rs 5 lakh. Repayment up to 60 months. Income floor and credit score are not published - nominal floor used; the bank's vehicle-loan scheme publishes a 700 CIBIL floor, which is a reasonable expectation here too.

Maha Bank Personal Loan for salaried customers: confirmed government/PSU employees (salary account with any bank), confirmed employees of A-rated or better companies (6 months' salary-account relationship) and other salary-account holders with an employer tie-up. Minimum annual income Rs 3 lakh with 1 year of ITR/Form 16 from the current employer; quantum 20 times gross monthly income up to Rs 20 lakh; age 21 at entry, 58 at sanction, loan closes by 60 or retirement; total obligations including the new EMI capped at 65% of gross for government/A-rated and 60% for others; tenure 84 months with a BoM salary account, 60 months otherwise. Rates from 9.75%. Processing fee 1% (min Rs 1,000).

PSB's digital personal loan page publishes only the headline rate (from 9.70%), a 60-month maximum tenure and the need for 6 months' bank statements plus ITR e-filing credentials. The 21-70 age window, Rs 10 lakh ceiling and 11.25-14.00% rate bands (government/PSU cheaper than private-sector) are aggregator-reported (BankBazaar). No income floor or score is published - nominal floors used.

Bandhan Personal Loan: Rs 50,000 to Rs 25 lakh, up to 60 months, salaried 21 to 60 (or retirement) at maturity, self-employed professionals and non-professionals 23 to 65. A Bandhan account is not mandatory, but the brochure wants at least one customer-induced transaction a month in the salary or main business account. Rates from 9.50% for tenures up to 3 years and 8.86% beyond (effective 1 Sep 2026); processing up to 3%; part-payment of up to 25% once a year after 12 EMIs; fixed-rate foreclosure 4% in year one then 2.5%, nil after 12 EMIs on loans of Rs 10 lakh+. Income floor and score are not published - nominal floor used; the 6-month employer tenure is aggregator-reported (BankBazaar), not on the product page. The rate ceiling is not published either.

IDBI digital personal loan: only for existing IDBI customers with a salaried profile and an existing liability relationship; Rs 50,000 to Rs 5 lakh, 13 to 60 months, age 21 to 60, fixed rate 11% to 14.75%. Modelled as a relationship-gated product (choose IDBI under 'Salary account with'). Income floor not published - nominal figure used.

We could not confirm these on YES Bank's own eligibility page, so the figures are as reported by loan-comparison sites (BankBazaar): age 21 to 60, Rs 1 lakh to Rs 40 lakh, 12 to 60 months, 10.85% to 21%, 700+ score recommended, salaried with a reputed employer priced best. The Rs 25,000 income floor and tenure gates are the private-bank median, not YES Bank-published.

AU's product page publishes Indian residents aged 21 at application to 65 at maturity, Rs 25,000 to Rs 15 lakh (the FAQ on the same page still says Rs 10 lakh) over 12 to 60 months, unsecured, at rates up to 30% (no lower bound is published, so no rate block is set). AU publishes no income floor or minimum score: the Rs 15,000 floor comes from AU's eligibility blog, which calls it a common private-bank benchmark, and 750 is the page's 'good score' guidance, so the block is tagged inferred.

We could not confirm these on Bank of India's own site, so the Star Personal Loan figures are as reported by loan-comparison sites (BankBazaar): unsecured up to Rs 5 lakh at 10 times monthly net take-home within 36 EMIs (secured variant Rs 10 lakh, 20 times gross, 60 EMIs), minimum age 18, rates 10.85% secured / MCLR+5.50% unsecured; open to professionals, salaried employees, pensioners and HNIs. The 21-60 window and income floor are standard assumptions.

HDB Personal Loan: up to Rs 20 lakh, 12 to 60 months, salaried and self-employed. Self-employed professionals: age 22 to 65, 3 years' business vintage, minimum annual income Rs 1 lakh (metro) / Rs 75,000 (non-metro), profitable for the last 2 years; self-employed individuals need 4 years in business with 2 in the current one. Salaried criteria are not stated on the page - 21 to 60 and a Rs 15,000 floor are typical NBFC figures (our estimate). Rate not published; personal rate card applies.

L&T Finance Personal Loan: up to Rs 30 lakh, 12 to 72 months, rates from 10.50%, Indian residents aged 21 to 58 (the page states 58 as the upper bound; it is applied at maturity here), salaried and self-employed. Income floor not published - nominal floor used.

Mahindra Finance Personal Loan: Rs 50,000 to Rs 15 lakh, tenure 24 to 60 months with an interest-only option for the first 12-24 months, no prepayment penalty; underwriting on credit score, monthly income and debt-to-income ratio. Age window, income floor and rate are not published - standard assumptions and the personal rate card used.

Chola Consumer & Small Enterprise Loans (CSEL): collateral-free personal, professional and business loans for salaried individuals, self-employed professionals (doctors MBBS/BMS and above, chartered accountants) and business owners, up to Rs 35 lakh over up to 60 months with no external guarantor. The digital Chola One personal loan is the small-ticket variant: Indian citizens aged 23 to 65 (the FAQ says 55 for new customers, 65 for existing ones), minimum salary Rs 15,000, up to Rs 5 lakh, eligibility driven by the CIBIL score, PAN + Aadhaar + 6 months' bank statement and an Aadhaar-linked mobile. Age and income floor here come from Chola One; the CSEL page publishes no age, income, score, minimum ticket or rate - nominal minimum and the personal rate card used. Charges: processing 2%, document fee Rs 1,800, foreclosure 4% of outstanding principal.

Shriram Personal Loan: up to Rs 10 lakh, resident Indians aged 21 at application and 60 at closure, salaried or self-employed with steady income proof; 750+ score described as ideal and a 30-40% debt-to-income ratio recommended. Income floor and rate not published - nominal floor and the personal rate card used.

Poonawalla Fincorp Personal Loan: age 21 to 60, minimum take-home salary Rs 25,000, at least 1 year of total work experience with 1 month at the current employer, 700+ score ideal, up to Rs 50 lakh. Rate not on the eligibility page; personal rate card applies.

IIFL's personal-loan product page (checked live 25 Oct 2026) publishes age 23 to 58 at maturity, 2 years total experience with 1 year in the current company, Rs 25,000 minimum monthly income and CIBIL 700, and for self-employed applicants 3 years in business with Rs 5 lakh annual turnover; the older eligibility page gave salaried 23-60 and self-employed 25-65, which are kept for self-employed applicants only. Loans Rs 5,000 to Rs 5 lakh, rate 12-28% fixed (the calculator shows 12.75-44%), tenure 3-42 months (an FAQ says up to 7 years). The page currently shows a 'personal loan sourcing is currently unavailable' banner. The self-employed income floor is a nominal estimate.

Re-tagged inferred because the 21-67 age window and the 600+ score (750+ ideal) come from the FAQ, and no income floor is published (the nominal floor is an estimate). The product page and loan policy publish loans from about Rs 50,000 up to Rs 20 lakh, a 60-month maximum tenure and rates from 13.5% (no ceiling published, so the engine rate card applies). Eligible applicants are government / public-sector or established private-sector employees, self-employed applicants meeting income and risk norms, or anyone offering 100% collateral; processing typically takes 1 to 7 days.

Fibe personal loan: cash up to Rs 10 lakh, applicants 19 to 55, minimum Rs 20,000 in-hand monthly salary, rates from 18% on reducing balance, repayment 6 to 36 months, 3 months' bank statement or salary slips.

RBL's product page offers this loan only as a pre-qualified offer to existing RBL Savings Account or Corporate Salary Account holders who are Indian residents aged 25 to 55 at onboarding, so the engine requires an RBL account relationship and applies 55 at maturity (stricter than the page's at-onboarding wording). Loans run Rs 30,000 to Rs 7 lakh (checked live on the product page, 2 Nov 2026) over 12 to 36 months at a stated 18% p.a., subject to the bank's interest reset clause. No income floor, credit score, employment type or FOIR is published, so none is applied beyond the engine defaults; the 750 preferred score is the panel default. RBL publishes no income floor for this offer; the engine applies its generic Rs 25,000 working floor.

Uses the home-loan product page (checked live 25 Oct 2026): its eligibility FAQ gives age 21-60 salaried / 21-65 self-employed and minimum income Rs 25,000 a month salaried / Rs 3 lakh a year self-employed, tenure up to 30 years or retirement, up to Rs 10 crore, LTV 90/80/75%, and rates of repo + 2.50% to 7.95% = 8.00-13.45%. Conflicts recorded: the same page's main block says age 18-70, and the separate FAQ page says 21-65 with Rs 10,000 / Rs 2 lakh. No minimum CIBIL is published, so the 680 floor, FOIR and 3-year self-employed vintage are working estimates.

SBI's Regular Home Loan page publishes resident Indians aged 18 to 70 at repayment and tenure up to 30 years; the rate card dated 20 May 2026 shows 7.25% to 8.55% (EBLR-linked, plus 0.10% for non-salaried borrowers below CIBIL 825). The income floors, 550 minimum score, 3-year self-employed vintage with 2 years' profit, the 75 ceiling under Privilege / Shaurya and the amount range come from aggregator listings, so the block is tagged market-reported. SBI's FAQ says EMI/NMI runs from 20% to 70% depending on income, so the 55% FOIR is our working estimate.

ICICI's eligibility pages give age 21 to 65 for salaried (the product-page FAQ says 20) and 21 to 70 for self-employed, Rs 25,000 a month for salaried and Rs 30,000 for self-employed, tenure up to 30 years and loans up to Rs 10 crore (an older page says Rs 5 crore online). Repo-linked card rates run 8.75% to 9.90% salaried and up to 10.05% self-employed (valid to 31 Oct 2026), with fixed options up to 11.20% and a 7.55% pre-approved headline. ICICI publishes no business vintage, minimum score or FOIR: the 3-year vintage, 680 floor, 50% FOIR and Rs 5 lakh minimum are our estimates (750 is its stated ideal, 700 'generally preferred'), which is why the block is tagged inferred.

Product and eligibility pages: age above 21 at commencement and under 65 (or retirement for salaried) at maturity, loans up to Rs 5 crore, margin 10% / 20% / 25% by ticket; self-employed applicants file 2 years' ITR. Axis publishes no income floor, score, FOIR or vintage, so those values (and the Rs 3 lakh minimum) are our estimates and the block stays inferred. Rate starts at 8.00% on the rates page; the 11.5% cap is our estimate.

Kotak's eligibility page publishes age 18-60 for salaried and 18-65 for self-employed individuals with minimum income of Rs 20,000 a month in metros (Delhi, Mumbai, Bengaluru, Pune, Hyderabad, Chennai) and Rs 15,000 elsewhere; private-limited / partnership employees also need a bachelor's degree (not modelled). Its Rs 25 lakh product page adds 2 years' work experience with 6 months in the current organisation, or 3 years in business for self-employed. The main page publishes up to Rs 40 crore, up to 25 years and up to 90% funding, with floating rates from 7.60%; the 11% ceiling, score floor, FOIR, minimum ticket and 3-year minimum tenure are working estimates.

Eligibility page and calculator: salaried age 21 to 60 or retirement with Rs 1 lakh annual salary and 3 years' experience; self-employed age 23 to 70 with Rs 1.5 lakh annual income and 4 years of business continuity; tenure up to 30 years salaried and 25 years self-employed. Rate starts at 7.75% in the rates-page table (the same page's FAQ says 8.85%, conflict noted) and is repo + 2% + a premium of up to 7.5%; the 11.5% cap is our estimate (contracted loans ran 8.50% to 10.50%). The 700 score floor, 55% FOIR and Rs 5 lakh to Rs 5 crore amounts are our estimates.

Product page and MITC: age 21 to 70 (the eligibility calculator says 65 for non-salaried, conflict noted - product page used), 1 year of service or 2 years in business, HUFs not eligible, credit score 701+ indicative. Salaried FOIR runs 40% to 75% by net income (65% for Rs 50,000 to Rs 1 lakh, used here) and 70% / 80% for others; ceilings run from Rs 1 crore (semi-urban) to Rs 20 crore (Mumbai). Rate is the BRLLR-linked floating card (salaried 7.20% to 8.95%, non-salaried 7.70% to 9.45%; fixed 8.90% to 9.95%); card predates the Oct 2026 benchmark change; adjusted +0.25. The income floor, Rs 2 lakh minimum and 60-month minimum tenure are our estimates.

PNB publishes need-based housing loans for individuals with assured regular income, margins of 20% (10% at a higher card rate) up to Rs 30 lakh, 20% to Rs 75 lakh and 25% above, and a Digi Home Loan up to Rs 10 crore. The retail ROI schedule prices standard floating loans at 7.45-9.35% under the PNB Utsav campaign valid 1 Oct to 31 Dec 2026 (fixed 8.45-10.85%), with bands down to CIBIL 600-699, so the score floor is set at 600. Age, income, tenure and FOIR are not published and remain estimates; the Gen-Next scheme for professionals up to 40 (about 1.25x eligibility) was reported earlier and is not on the pages reviewed.

IndusInd's home-loan page publishes age 24 to 60 for salaried (government / reputed companies), 24 to 70 for self-employed professionals and 24 to 65 for other ITR-filing self-employed, with 3 years' experience in every segment; 65 is used for all self-employed because the engine cannot tell the two apart. The June 2026 rate sheet shows 8.00% to 15.00% floating for most cases, and the FAQ mentions funding up to 85% of property cost. No income floor, score, FOIR, amount or tenure is published, so the Rs 25,000 floor, 700 score, 50% FOIR, Rs 5 lakh to Rs 3 crore and 3 to 25 years are our estimates and the block stays inferred.

Product page criteria: age 21 at application to 65 at maturity, Rs 30,000 monthly income for salaried and self-employed, 2 years' work experience (salaried) or 3 years in the same business, CIBIL 725+ described as ideal. Rate uses the detailed rates-and-charges table (salaried 8.00% to 13.00%, self-employed 8.35% to 13.00%); the main page headline says 7.50% and the same rates page body says 8.75%, a live conflict. The 685 score floor, 55% FOIR and 36-month minimum tenure are our working estimates.

ABHFL's home-loan page publishes age 21 at application to 60 at maturity for salaried and 70 for self-employed, a preferred CIBIL of 650+ (new-to-credit applicants considered), tenure up to 30 years, LTV 90/80/75% and rack rates of 7.75-8.00% (Prime HL) to 10.20-10.45% (Pragati Aashiyana); the housing-finance landing page separately says from 9.05%. No income floor is published, so the block stays inferred: the Rs 25,000 floor, Rs 3 crore cap, 5-year minimum tenure, 750 preferred score, FOIR and 3-year self-employed vintage are working estimates (Pragati HL is capped at Rs 1.5 crore, Prime HL is 'any amount').

Union Home: the product page gives entry age 18 and exit age up to 75 for Indian citizens and NRIs, no ceiling on the amount and LTV 90/80/75% (RBI bands); the documents FAQ page instead says age 21-65 (conflict recorded, product page used), tenure 5 to 30 years and no prepayment charges. The retail ROI PDF dated 8 Oct 2026 prices floating loans from 7.40% (CIBIL 825+) to 9.60% (600-649), with fixed rates of 11.40-12.65%. No income floor is published - the nominal Rs 10,000 floor only stops the engine sizing against zero. A 0.50% processing fee capped at Rs 15,000 was recorded on the Sep 2026 pass, but a campaign FAQ now says nil. Tagged inferred because the income floor (and, where noted, the minimum age) is our value, not the bank's.

Canara Housing Loan: no upper quantum limit, salaried up to 72x gross monthly salary (96x selectively) with 2 years' service including 6 months in the current job, self-employed up to 6x average annual income (8x selectively) with 3 years' ITR, entry age under 60 (older only jointly with an earning spouse/heir), closure by 75, tenure up to 30 years, margin 10% / 20% / 25% by ticket. The bank publishes no minimum age or income floor, so 21 and Rs 10,000 are our nominal values. Rate is the contracted-loan range 7.40% to 10.25% (mean 8.31%, from 12 Dec 2025); card predates the Oct 2026 benchmark change; adjusted +0.25. Canara Apna Ghar (age 21 to 60, income up to Rs 9 lakh, CIC 650+, 24 months of bank/UPI history, up to Rs 35 lakh metro) is a separate route not modelled. Tagged inferred because the income floor (and, where noted, the minimum age) is our value, not the bank's.

Indian Bank's IB Home Loan page publishes a minimum entry age of 18, salaried applicants with 3 months' salary record (government / PSU) or 2 years' total experience (MNC / reputed companies), 3 years' experience for businessmen and self-employed, tenure up to 30 years, margin of 10% / 20% / 25% by loan size, and take-home pay of at least 40% of gross (or Rs 50,000 a month above Rs 15 lakh gross income); the floating rate card shows 7.15% to 8.55%. The maximum age of 70 is aggregator-reported (BankBazaar), and no income floor, score or amount cap is published, so the Rs 10,000 floor and Rs 1 lakh to Rs 50 crore range are our estimates and the block is tagged inferred.

Cent Home Loan: individuals over 18 with a steady income (including agriculturists); loan must close by age 75; tenure up to 30 years for houses not older than 10 years; LTV 90% / 80% / 75% by ticket (RBI bands); repairs up to Rs 25 lakh. EMI/NMI ceiling is graded by net annual income - 50% up to Rs 7 lakh, 65% to Rs 10 lakh, 70% to Rs 15 lakh, with the bands below Rs 3 lakh and above Rs 15 lakh not shown on the page; 65% is used as the working cap. Published CIBIL floor 700. No income floor published - nominal figure used. Processing fee 0.50% capped at Rs 20,000.

IOB Home Loan: rates start at 8.40% for salaried and 8.50% for non-salaried (linked to internal rating and CIC score), tenure up to 30 years including holiday period, RBI LTV margins of 10-25%, houses/flats not older than 25 years, 20% higher quantum for salaried applicants earning Rs 30,000+ aged 21-45. Age ceiling and income floor are not published as a grid - 70 at maturity and nominal floors assumed.

UCO Home: Indian residents with a regular income, minimum age 21, full repayment by 75, tenure up to 30 years, RBI LTV bands by ticket size, repairs up to Rs 50 lakh, 0.05% rate concession for women. No income floor or score published - nominal floor used.

Maha Super Housing Loan: RBI LTV bands (90/80/75), tenure up to 30 years or age 75, moratorium up to 48 months, published headline rate from 7.00% with a 0.05% concession for women and defence personnel, no prepayment charges, processing fee 0.25% capped at Rs 25,000. The page states obligations of up to 80% of income can be considered for high earners; 65% is used as the working cap. Entry age and income floor are not published - nominal values used.

PSB Apna Ghar: official digital page states rates from 7.10%, repayment up to 30 years, no inspection or prepayment charges. Age (18 entry, 65-70 exit) and the 7.30-10.70% band are aggregator-reported (BankBazaar); no income floor, score or LTV published - RBI bands and nominal floors assumed.

Bandhan Home Loan: minimum age 21, loan to close by 75 or retirement (whichever is earlier), tenure up to 30 years, funding up to 90% of property cost. Variants: Suraksha (formal income proof - salary slips with PF, 2+ years of ITR), Suvidha (no formal income proof, assessed on cash flow), Su-Awas / Su-Awas Saral / Suniwas (pakka or semi-pakka houses, construction up to 10 years, renovation 5 years, fixed rate), Sajavat (renovation, up to 15 years, 80% of repair cost) and a PMAY 2.0 loan (EWS/LIG/MIG households, max loan Rs 25 lakh on a house up to Rs 35 lakh, 4% subsidy on the first Rs 8 lakh for 12 years). Floating rate 8.55% to 13.52% over RLLR (5.25% from 1 Jan 2026). Income floor and amount cap not published - nominal values used; the educational article's 700+ score is a general benchmark, not a Bandhan floor.

DCB Home Loan: Rs 2 lakh to Rs 5 crore, tenure up to 25 years, minimum age 21; maximum age is retirement plus 5 years for salaried and 65 for non-salaried applicants; credit score above 700 (published in DCB's own home-loan guide dated April 2024, which the current product page does not repeat); processing fee up to 2% with a Rs 5,000 minimum; co-applicant income counts. Minimum built-up area 226 sq ft, property age up to 70 years. Income floor and LTV are not published - RBI bands and a nominal floor assumed.

IDBI Home Loan: salaried 22 at entry and 70 (or retirement) at maturity with up to 30-year tenure; self-employed 25 to 65 with up to 20 years; LTV 90% up to Rs 30 lakh, 80% to Rs 75 lakh, 75% above; step-up, step-down and tranche-based EMI options. Income floor not published - nominal figure used.

Aggregator-corroborated (BankBazaar): Rs 10 lakh to Rs 5 crore, tenure up to 35 years (capped at 30 in the engine), 7.25% to 9.25%, processing fee 1.5-2%. Age, income floor and score are not published - private-bank median assumed. YES Khushi affordable-housing variant (Rs 9,000 family income) is not modelled.

AU's Home Purchase Loan page publishes Indian residents aged 21 to 70 at maturity, a Rs 2 lakh minimum and tenure of 1 to 30 years for bank-salaried borrowers (20 years for cash-salaried and self-employed), with formal and informal income accepted. The 8% starting rate and profile-dependent FOIR / LTV come from AU's FAQ, and the 50% FOIR and 90% LTV from its eligibility blog, so no rate block is set. No income floor, score, vintage or amount cap is published: the Rs 10,000 floor, 2-year vintage and Rs 5 crore cap are our estimates, so the block is tagged inferred.

Star Home Loan, aggregator-corroborated (BankBazaar): minimum age 18, repayment before 70, tenure up to 30 years, rates from 7.10% with a 0.5% concession for women, loans up to Rs 3 crore in selected cities (higher elsewhere). Income floor, score and LTV not published - RBI bands and nominal floors assumed.

LIC HFL Home Loan: LTV 90% up to Rs 30 lakh, 80% to Rs 75 lakh, 75% above; tenure up to 30 years salaried / 25 years self-employed; rate grid by CIBIL - 7.15% at 825+, 7.35% at 800-824, 7.50-8.10% between 700 and 799, 8.90% at 600-699, 9.70% below 600 (highest-scoring joint applicant counts). Age window and income floor are not on the page - standard assumptions used; the 600 floor reflects the lowest priced band.

Published on Bajaj Finserv's home-loan pages (the loans are issued by Bajaj Housing Finance): Indian residents, salaried 23 to 67 at maturity (the eligibility calculator says 65) with 3 years' work experience, self-employed 23 to 70 with 5 years of business continuity (Bajaj Housing Finance's own calculator earlier showed 25 and 3 years), CIBIL 725+ described as ideal, up to Rs 15 crore over up to 32 years. The calculator gives Rs 25,000 a month for salaried while the salaried page says a solo applicant needs 'up to Rs 50,000', so Rs 25,000 is used. Rates are 7.25% to 20% salaried and 7.70% to 20% self-employed; the Rs 5 lakh minimum and 12-month minimum tenure are our estimates.

Jio Credit Home Loan: rates from 7.75% floating, loans up to Rs 10 crore, tenure up to 25 years, eligible age 23 to 75, processing fee up to 2% plus a Rs 5,000 application fee. Income floor, score and LTV are not published - RBI bands and nominal floor assumed.

L&T Finance Home Loan: Rs 20 lakh to Rs 10 crore, up to 90% of property value, tenure 3 to 30 years, rates from 7.75% floating, salaried 23 to 70 and self-employed 25 to 70 at maturity; co-applicant, rent and spouse income can be added. Income floor not published - nominal floor used.

Mahindra Rural Housing Finance home loan: up to Rs 5 crore subject to income and property value, salaried and self-employed with documented income (ITR for 2-3 years), property must be in a serviceable area. Age, tenure, income floor and rate are not published - standard assumptions used.

Chola Home Loan: Rs 3 lakh to Rs 40 lakh, salaried, self-employed professionals and non-professionals with a steady income, aged 21 at the start and 65 at the end of the loan (or superannuation), floating rate, tenure up to 20 years on the product page (the FAQ says 5 to 30 years - the product page governs the cap here). Purchase, construction, extension, balance transfer, mixed-use and shop loans. Income floor, score, LTV and rate not published - nominal floor, RBI bands and the home rate card used.

The product page publishes only resident Indian applicants aged 18 to 75, salaried or self-employed, with an optional co-applicant, and rates from 9.45% a year (no ceiling, so no rate block is set and the engine rate card applies). The FAQ states a 660 minimum CIBIL, Rs 25,000 minimum monthly salary and tenure up to 25 years; these are FAQ-only and kept as estimates. Amount, LTV and the self-employed floor and vintage are not published and remain estimates.

INFERRED from Muthoot's own blog (8 Apr 2025): resident Indians aged 23-67 if salaried or 23-70 if self-employed, Rs 25,000 minimum net monthly income, 725+ CIBIL described as ideal, 1 year of work experience for salaried applicants and 2 years of stable business income for self-employed. The eligibility page lists only documents and says a co-applicant, cleared debts and declared additional income improve eligibility. Amount, tenure, rate and the self-employed income floor are not published and remain affordable-housing NBFC estimates.

RBL's housing-loan page publishes salaried: net income Rs 1.8 lakh a year, age 21 at sanction to 65 at maturity, 3 years' work experience (an employer confirmation letter if the current job is under 1 year); self-employed individuals and professionals: Rs 1.5 lakh net annual income per latest ITR, age 23 to 65 at sanction and 3 years' continuity in the same field. The engine applies 65 at maturity to both, which is stricter than the self-employed wording. Loans go up to Rs 15 crore (Affordable Housing up to Rs 50 lakh) over up to 30 years from 9.00% p.a., with RBI-band LTV (90 / 80 / 75%) and income clubbing of up to three related applicants. No score, FOIR, minimum ticket or rate ceiling is published: the Rs 5 lakh minimum, 3-year minimum tenure, 13% ceiling and 750 preferred score are our estimates.

HDFC's eligibility page publishes age 21 at application to 65 at maturity, 3 years in the current business and 5 years' total business experience, profit in the previous 2 years, minimum annual ITR income Rs 3 lakh and turnover Rs 40 lakh. Unsecured loans run up to Rs 75 lakh (Rs 1 crore in select locations; the FAQ gives a Rs 75,000 minimum) over 12-48 months at a rack rate of 10.75-22.50% fixed. Score thresholds are working estimates.

INFERRED. SBI's SME lending is largely collateral-linked and scheme-driven (SME Smart Score, Asset Backed Loan, MUDRA) rather than a single published unsecured programme. Thresholds here approximate the common shape of those schemes and should be treated as an estimate, not policy.

ICICI runs an explicit GST-returns-based working capital programme where the limit is sized off filed GST turnover with auto-fetch of returns, bank statements and ITR acknowledgement. If you file GST cleanly, this is one of the fastest routes to a limit.

The 24x7 Business Loan page sets 3 years of business vintage and Rs 30 lakh turnover for proprietorships, partnerships and private companies; the business-banking page offers collateral-free loans up to Rs 2 crore over 6 to 60 months. Rate spans the fixed-rate grid, Business Loan SEP 10.99% to 16.25% and SENP 15.00% to 25.00%. Age 21 to 65, the 700 / 750 scores, GST requirement, 2-year ITR rule and Rs 50,000 minimum are our estimates.

Kotak's eligibility page (checked live 25 Oct 2026) publishes 3 years in business, minimum turnover Rs 40 lakh, profit for at least 1 year (not modelled), sole proprietors / partnerships / private limited companies / trusts / LLPs in manufacturing, trading or services, and a main applicant aged 25 to 65 at maturity; loans are Rs 3 lakh to Rs 1 crore, collateral-free. The general rate table lists 9.50-30.50% fixed for Business Loan - Individual. GST registration is the listed constitution proof for sole proprietors; score floor, ITR years and the 12-48 month tenure are not published and are working estimates.

Product page: age 'between 28 and 68 years (at loan maturity)' (used as minimum 28, maximum 68 at maturity), turnover Rs 1 crore and above, 3 years of continuous operations, positive net worth and consistent cash profits, Rs 7 lakh to Rs 1 crore over 12 to 48 months. Rate starts at 13% (a separate rate page dated Aug 2025 says 12.99%); the 22% cap is our estimate. The page FAQ says a co-applicant is mandatory and that 700+ CIBIL improves approval chances, so both are kept as estimates; eligibility can be assessed on income, banking (average balance) or GST-turnover schemes.

IndusInd Quick Business Loan (collateral-free, Rs 2 lakh to Rs 20 lakh): age 25 to 67, business at least 2 years old and profitable for 2+ years, CIBIL 680+, no live overdraft, and GST turnover above Rs 2 crore over the last 4 quarters only for loans above Rs 10 lakh, so no general turnover bar is applied. Active GST is required above Rs 5 lakh and for every new-to-bank proprietor, so GST is treated as required. Rates start at 15.99%; tenure, upper rate and ITR years are not published, so 12 to 48 months, the 22% cap, 2 years' ITR and the 750 preferred score are our estimates.

Product page criteria: age 21 to 65 at maturity, 2 years of business continuity with regular profits, a monthly bank balance of Rs 5,000+ and CIBIL 675+ (the same page's FAQ says there is no fixed minimum score, a live conflict). Tata publishes no turnover bar, so the earlier blog-sourced Rs 10 lakh figure is dropped; the 750 preferred score is our estimate. Up to Rs 1 crore applies only in select cities and schemes; a separate salaried route (CIBIL 675+, age 21 to 65) is not modelled.

Bajaj Finance publishes: Indian, self-employed, at least 3 years' business vintage, CIBIL 650+, age 21 to 80 at maturity (the calculator's age-24 note relates to a non-financial co-applicant), up to Rs 80 lakh over 12 to 96 months at 14% to 23.50% (ECLGS 5.0 is a separate scheme at 8% to 13%). No turnover, minimum amount or ITR rule is published, so the Rs 12 lakh turnover, Rs 1 lakh minimum, 1 year of ITR and 750 preferred score are our estimates and the block is tagged inferred.

The business-loan and unsecured business-loan pages (checked live 25 Oct 2026) publish age 25-65 at application, at least 2 years in operation, minimum turnover Rs 1 crore (period not stated, treated as annual), CIBIL 685+ preferred with 650 the minimum (the FAQ says 675), loans of Rs 2 lakh to Rs 2 crore and tenure of 12-84 months (an FAQ says 12-36). GST, Udyam or Shop Act registration are accepted alternatives as business proof and only the latest ITR is listed. The page says rates start at 14% (reference rates STRR 19.45% / LTRR 20.45%); the 24% ceiling is a working estimate. Age 65 is applied at maturity, slightly stricter than the published at-application limit.

IND DIGI MSME: brown-field units with at least 12 months' vintage, active GSTIN, ITR and 12 months' bank statements mandatory, promoter CIBIL 730+ (CMR 1-6 for the entity), positive net worth; limits above Rs 10 lakh up to Rs 5 crore (Rs 20 lakh where ITR is filed under presumptive taxation), 20% margin on stock and book debts, CGTMSE cover or 100% collateral. Assessed by the bank's digital business-rule engine. The Rs 10 lakh turnover figure is a floor implied by the Rs 10 lakh minimum ticket, not a published number. The smaller Pre-Approved Business Loan (Rs 1-10 lakh, fixed 36 months, age 21-70, CIBIL 730+) is only for existing current-account customers with 12 months' transactions.

Bandhan Aspiring Business Loan: self-employed professionals and non-professionals aged 23 to 65 at maturity with at least 2 years of business vintage; above Rs 3 lakh up to Rs 1 crore (an older brochure said Rs 25 lakh - the current page governs), working-capital, term or composite, up to 5 years; unsecured 13.00% to 25.91% (secured 11.69% to 15.18%); processing up to 2%. Turnover and score are not published - nominal Rs 10 lakh turnover and 750 preferred; documents scale with the loan amount.

INFERRED. YES Bank does not publish business-loan criteria we could confirm; thresholds mirror the private-bank unsecured business-loan median (3-year vintage, Rs 40 lakh turnover, GST plus 2 years' ITR). Treat as an estimate.

AU publishes only FAQ-level business criteria: its Business Banking FAQ gives minimum age 21, 3 years in the same line of business and a Rs 10 lakh minimum, its Secured Business Loan FAQ gives age 18 and a typical 1 to 15 year tenure, and the Micro Business Loan page starts at Rs 2 lakh. Maximum age, turnover, score, amount cap and tenure are not published, so every value here is an estimate (65 at maturity, Rs 10 lakh turnover, 750 preferred, Rs 2 lakh to Rs 50 lakh over 12 to 60 months).

HDB unsecured Business Loan: individuals Rs 1 lakh to Rs 7.5 lakh (non-individual entities up to Rs 30 lakh), 12 to 36 months, age 21 at entry and 65 at maturity, 4 years in business with 2 in the same business, minimum annual income Rs 1 lakh (metro) / Rs 75,000 (non-metro), profit-making for the last 2 years. The normal / gross-margin programmes want Rs 2 crore turnover; the surrogate programme accepts 2 years' ITR instead - the Rs 10 lakh turnover gate here is a floor for the surrogate route, not the Rs 2 crore programme bar. Score floor is an NBFC-median assumption.

L&T Finance Business Loan: collateral-free up to Rs 1 crore, 12 to 60 months, rates from 10% (15% headline on the page title), age 24 to 65, turnover Rs 80 lakh to Rs 500 crore, at least 3 years in business, 6 months of credit history, residence or office must be owned, CIBIL 650+ recommended. Documents include 2 years' audited financials, ITR, tax audit reports and 6 months' GST returns.

INFERRED. Mahindra Finance does not publish SME business-loan criteria we could confirm; thresholds are the NBFC unsecured business-loan median.

INFERRED gates. Modelled on Chola's collateral-free CSEL business loan for business owners: up to Rs 35 lakh over up to 60 months, no collateral or external guarantor, identity / address / income / business proof - the page publishes no age, income, vintage, turnover or score, so the gates here are NBFC estimates (and the SME loan's 25 to 65 age rule is deliberately not borrowed). The separate secured SME loan is for retailers, wholesalers, manufacturers, distributors and service providers aged 25 to 65 with profit in each of the last 3 financial years, Rs 10 lakh to Rs 5 crore (Rs 20 crore on the secured term-loan card), 2 years of financials and ITR, 6 months of bank statements and GST returns, property or equipment collateral, fixed or floating rate, no pre-closure charge.

Shriram Business Loan: from Rs 1 lakh, age 21 to 65, self-employed individuals or business owners with at least 3 years' business experience; unsecured tenure up to 48 months (84 secured). The page states loans are offered regardless of business size or credit score, with tailored products for low-turnover and new businesses - so no score gate is applied; the Rs 10 lakh turnover floor and Rs 50 lakh cap are modelling assumptions.

Poonawalla Fincorp Business Loan: collateral-free up to Rs 1 crore, up to 60 months, age 24 to 65, minimum business vintage 2 years, minimum annual turnover Rs 6 lakh, processing fee up to 3%; open to self-employed professionals, manufacturers and traders. Score floor is an NBFC-median assumption.

Re-tagged inferred because the vintage gate is FAQ-sourced: the FAQ asks for 6 months of operation in general and 2 years for sole proprietors, and the 2-year figure is applied. The eligibility page publishes self-employed applicants aged 23 to 65 with CIBIL 700+ and a business not on a negative list. The Rs 75 lakh cap, 1-3 year tenure and 12-28% rate come from the EMI calculator, not the eligibility page; minimum ticket and turnover are not published and the Rs 1 lakh floor and Rs 20 lakh turnover are estimates.

RBL's unsecured Business Loan page (checked live 2 Nov 2026) publishes age 27 at application to 65 at maturity, a business profitable for the past 3 years, 5 years' experience in the same business with at least 3 years' operation in the same city, and 5 years' post-qualification experience for graduate professionals (3 for postgraduates); the applicant must own a residence or office, alone or with family. Loans run Rs 5 lakh to Rs 50 lakh over up to 60 months. Turnover is 'as per programme specification' on GST returns where applicable (else last ITR), so no turnover bar or GST requirement is applied; 2 years' ITR comes from the document list. No rate, score or minimum tenure is published: the 12-month minimum and 750 preferred score are our estimates and the product page's 'maximum 2%' processing fee differs from the schedule quoted in fees.

HDFC's car-loan eligibility page publishes: salaried 21 to 60 at maturity, Rs 3 lakh a year (Rs 25,000/month = 3 lakh / 12), 2 years' total and 1 year current experience; sole proprietors 21 to 65, 2 years in business, Rs 3 lakh a year. The Rs 25 lakh maximum is from the FAQ and the Rs 1 lakh minimum is our estimate (the panel's common published floor). The pricing page shows 8.25% in one extract and 9.00% in another while its FAQ says 9.40%, so 9.00% is used; the 14.00% top is HDFC's published Apr-Jun 2026 customer IRR maximum. No minimum CIBIL is specified (above 750 is called excellent), so there is no score gate.

SBI's New Car Loan page publishes age 21-70 (read here as at maturity), net annual income Rs 3 lakh for the listed salaried packages and for self-employed / professionals (Rs 25,000/month = 3 lakh / 12; agriculturists Rs 4 lakh), with loans up to 48x net monthly income (salaried) or 4x ITR income, and up to 100% of on-road price over up to 7 years. The 650 floor is the lowest band of SBI's CIC-based car rate grid (8.40% at 800+ to 9.35% at 650-699); the 12-month minimum tenure is our estimate. No business vintage is published. The certified pre-owned car loan is a separate product at 10.45%-15.60%; the rate here is the new-car card.

ICICI's car-loan page publishes salaried age 20-65 with Rs 30,000/month and self-employed age 21-70; the FAQ's Rs 25,000 salaried figure loses to the product page, and the FAQ-only Rs 2 lakh/year self-employed floor is not used as a gate. Rates are 8.40% onwards for tenures over 36 months (10.25% under 36 months, used cars 9.75% onwards); the 11.20% top is ICICI's published Q1 FY27 new-car disbursal maximum. Funding up to 100% of on-road price; the FAQ gives a Rs 1 lakh minimum loan and no maximum is published, so there is no amount block. The 12-month minimum tenure is our estimate; 750+ is the rate page's guidance (FAQ says 700+), not a hard floor.

Axis's car-loan page publishes: salaried 18 to 60 at maturity, net annual salary Rs 4 lakh for approved models (Rs 6 lakh for other models; Rs 33,333/month = 4 lakh / 12), one year's continuous employment; self-employed 18 to 75 at maturity, Rs 3.5 lakh net business income for approved models (Rs 6 lakh others) and 3 years in the same line of business. New-car rate is the product page's MCLR-linked 8.80%-11.70% (used cars 8.80%-14.55%; Jan-Mar 2026 disbursals 7.40%-12.10%). No amount, tenure, LTV or score floor is published.

Kotak's car loans are written by Kotak Mahindra Prime Limited (KMPL), a Kotak Mahindra Bank subsidiary, at select locations. The eligibility page publishes minimum age 21, Rs 25,000/month income (not split by employment type), 1 year's employment and 1 year's residence stability; it publishes no maximum age, score floor or maximum loan, so none is set here (the Aug 2026 aggregator max ages of 58/65 are not used). Loans start at Rs 1 lakh over 12-84 months with up to 100% of car value; no rate is published (the calculator's 8% is an input, not an offer).

IDFC FIRST's car-loan pages publish no age, income, experience or score criteria, so the block is inferred and the engine's defaults apply. The 8.99% start is the product page's advertised rate; the 10.85% top is the bank's Q4 contracted-loan maximum for new cars (used cars 9.00%-20.00%). The calculator's Rs 1-50 lakh and 11-120 month ranges are inputs, not limits, and are not used. A separate pre-owned car loan with its own fee schedule exists.

Bank of Baroda's Baroda Car Loan page publishes borrower age 21 to 70 at maturity, CIBIL 701 (a -1 / no-history score also eligible) and no flat income floor: the income test is a total-deduction ceiling of 60% / 70% / 80% for salaried gross income under Rs 50,000 / Rs 50,000-1.5 lakh / above, and 60% / 80% for others under / over Rs 6 lakh a year, so maxFoir is the conservative 0.6 band. Up to 90% of on-road price over up to 84 months; the FAQ's Rs 2 crore individual cap is used (feature text says Rs 5 crore, for non-individuals per the FAQ) and the Rs 1 lakh minimum and 12-month minimum tenure are our estimates. Rate is the MCLR-linked fixed card 8.50%-11.20% (floating 7.60%-11.30% sits on the pre-rise BRLLR 7.90% card). bob Digital Car Loan (58/65 max age, up to 93%, Rs 50 lakh) and the pre-owned car loan are separate and not modelled.

PNB's Car Loan for Public page publishes net monthly income Rs 25,000 for all borrowers (self-employed annual figure is that x 12), age at end of repayment 65 (70 for salaried with pension and pensioners), loans of 25x gross monthly income capped at Rs 1 crore, margin 15% on new cars (10% under tie-ups) and 25% on used cars up to 3 years old, and 84 / 60 EMIs for new / used. Minimum age 21 and the Rs 1 lakh minimum are from the Digital Car Loan page (existing customers, 21-70, 2 years' ITR); the 12-month minimum tenure is our estimate. No rate or score floor is published on the car pages; a guarantor is needed below Rs 50,000 gross salary except for government, PSB, MNC and listed-company employees.

IndusInd's New Car Loan page publishes age 25-60 for every applicant type, salaried Rs 2.5 lakh a year (Rs 20,833/month = 2.5 lakh / 12) with 3 years' employment and 1 year in the current job, self-employed Rs 3 lakh a year by ITR with 3 years' business stability, plus 2 years in the city / 1 year at the residence unless the house is owned. The 600 score floor is from the FAQ (working value). Tenure follows the product page's 60 months (FAQ: 1-5 years, sometimes 7); rate is the SOC-CFD passenger-vehicle new range 8.00%-18.00% (used 10.00%-21.00%), dated 1 Apr 2024. No maximum loan or FOIR is published.

Tata Capital's New Car Loan page publishes: salaried 21 to 60 at maturity, Rs 3 lakh a year (Rs 25,000/month = 3 lakh / 12), 2 years' experience; proprietors 21 to 65 at maturity, 1 year's business vintage, Rs 3 lakh a year; partnership / HUF / others also need average bank balance of at least 0.5x EMI. The FAQ's 1 year with the current employer is not used as a gate. Loans Rs 1 lakh to Rs 5 crore over 1-7 years, up to 100% of on-road price in eligible cases (80%-90% otherwise). Only a 9.49% starting rate is published; the 12.49% top is our estimate (start + 3 points), and 700+ is the page's guidance, not a hard floor.

Bajaj Finance's new-car page and eligibility page publish age 21 to 80 at the end of the tenure, CIBIL 650+ and Rs 25,000/month salaried income (a separate FAQ says Rs 20,000; the product page wins). Self-employed applicants need 2 years' ITR but no income floor or vintage is published; the FAQ-only 1 year of salaried experience is not used as a gate. Loans Rs 1 lakh to Rs 10 crore over 12-96 months, up to 100% of on-road price. Only a maximum rate of 12.25% is published, so there is no rate block (the engine's product rate card applies); separate used-car and two-wheeler products exist but are not modelled. Figures were last confirmed against Bajaj Finance's pages in October 2026.

Union Bank's Vehicle Loan page covers new four-wheelers (no ceiling), used four-wheelers up to 3 years old (Rs 20 lakh max) and new two-wheelers (Rs 10 lakh max), and says CIBIL 700 is currently required for further processing. Age 18-75 and tenures of 84 months new / 60 months used / 36 months two-wheeler (60 under tie-up) are from the official page (Sep 2026); margin differs for salary-account holders but is not published. No income floor or rate is published, so the block is inferred; the 12-month minimum tenure is our estimate. Union Parivahan (new transport vehicles for businesses, up to Rs 5 crore) is a separate scheme with no published criteria.

Canara Vehicle publishes salaried gross Rs 3 lakh a year (Rs 25,000/month = 3 lakh / 12) and non-salaried Rs 3 lakh by latest ITR with a 3-year average of at least Rs 2.5 lakh, but no age window, score, experience or FOIR, so the block is inferred and engine defaults apply to age. New cars: no loan cap, up to 90% (margin 10% to Rs 10 lakh, 15% to Rs 25 lakh for non-government borrowers, 20% above), 84 months; used cars up to 3 years old: Rs 50 lakh cap, 60 months, and the page gives both a 50% margin and 60% of value, so the stricter 50% is used. Rate is the four-wheeler RLLR card (about 7.50%-10.70% at RLLR 8.00%) plus the 0.25 benchmark adjustment; the 12-month minimum tenure is our estimate.

IB Vehicle Loan publishes income by vehicle type: new car salaried Rs 25,000 gross monthly / self-employed Rs 3 lakh net a year by ITR; used car Rs 20,000 net monthly / Rs 3 lakh; two-wheeler Rs 10,000 net monthly / Rs 1.5 lakh (pensioners Rs 20,000 / Rs 10,000). The new-car figures are used here. No age window or score is published, so the block is inferred. New cars up to Rs 5 crore over 84 months with 10%-15% margin; used cars Rs 3 crore, 72 months, 20%-30%; two-wheelers Rs 10 lakh, 48 months, 25%-30%; above Rs 25 lakh the excess needs 100% collateral. Minimum loan and minimum tenure are our estimates; no rate is published on the product page.

Cent Vehicle (official page, Sep 2026) publishes age 18-65, Rs 3 lakh a year gross for salaried (Rs 25,000/month = 3 lakh / 12) and Rs 1.8 lakh for non-salaried, loans up to 24x gross monthly salary or 2x average annual income, capped at Rs 2 crore for new four-wheelers and Rs 10 lakh for new two-wheelers, margin 10% up to Rs 25 lakh and 20% above, and 60 / 84 months for two / four-wheelers. A CIC score above 750 waives the guarantee on loans over Rs 25 lakh, so 750 is a preference, not a floor. The Rs 1 lakh minimum loan and 12-month minimum tenure are our estimates; no rate is published.

Bandhan's car-loan page publishes minimum age 21 for salaried and self-employed applicants but no maximum age, income floor or score, so the block is inferred. New car: Rs 1 lakh to Rs 1.5 crore (the research file's YAML says 15 crore, a typo against its own table), up to 84 months, up to 90% on-road, from 8.86% over 3 years (9.50% up to 3 years); the 11.86% top is our estimate (start + 3 points) and the 12-month minimum tenure is our estimate. Pre-owned car: Rs 1 lakh to Rs 75 lakh, 60 months, from 8.86%. Two-wheeler: age 21 (18 with a co-applicant), 60 salaried / 65 self-employed at maturity, up to on-road price (FAQ 95%), FAQ Rs 5,000 to Rs 5 lakh over 6-48 months.

DCB's car-loan page publishes no age, income, score, amount, LTV or tenure, so the block is inferred and engine defaults apply; third-party DCB car criteria are not used. The separate Commercial Vehicle Loan (not for cars, taxis or three-wheelers) publishes age 21-65, 1 year in the same line of business, cash generation of 1.3x, up to Rs 2 crore, up to 100% of asset cost for select profiles (90% of market value used) and 12-60 months; those values are kept here as notes only so they are not applied to car applicants.

AU's New Car Loan page assesses income, residence stability, down payment, cash flow and credit history but publishes no income floor, maximum age or score; minimum age 18 for personal vehicles comes from the vehicle-loan FAQ (21 commercial, 24 heavy commercial), so the block is inferred. Funding is up to 100% of ex-showroom price net of discounts (insurance and registration excluded), which is not an on-road LTV, so no maxLtv is set. Minimum loan Rs 20,000 with no published maximum (no amount block); only a maximum rate of 17% is published (no rate block).

L&T Finance's two-wheeler loan page (checked Sep 2026) publishes age 21-65 and tenure up to 60 months but no income floor, score or amount, so the block is inferred; the 12-month minimum tenure is our estimate. No car-loan product was found in the research.

Chola's vehicle-finance pages cover new and used cars (plus refinance and top-up), two-wheelers (up to 100% of the bike's value), new three-wheelers, new commercial vehicles for transport businesses (LCV to MHCV, up to 100% funding, up to 84 months), tractors and construction equipment. No age, income, vintage, score, amount or car tenure is published on any of them, so the block is inferred and engine defaults apply.

RBL's New Car Loan page publishes salaried: 2 years' job experience, age 21 to 60; self-employed: 3 years' vintage in the same business, age 21 to 75; minimum income Rs 2.40 lakh a year for both, and only cars on RBL's approved list. The page does not say whether the upper ages apply at maturity; we apply them at maturity, which is the stricter reading. Loans go up to Rs 1 crore; no tenure, rate, LTV, score or minimum ticket is published, so tenure, rate and LTV are left out and the Rs 1 lakh minimum and 750 preferred score are our estimates. Only new cars are modelled because no used-car eligibility was researched.

HDFC Bank's own education loan (eligibility page): Indian resident student aged 16 to 35, admission by entrance test or merit to a recognised institution in India or abroad, co-applicant (parent, guardian, spouse or parent-in-law) mandatory for all full-time programmes. Up to Rs 1.5 crore; the Rs 50 lakh collateral-free limit applies only to select premier institutes, so no general collateral-free limit is modelled. Repayment up to 15 years; moratorium course + 1 year or 6 months after getting a job, whichever is earlier. Rate starts at 10.50%; the 11.70% cap is our estimate from the Apr-Jun 2026 offered-rate disclosure (IRR 9.30% to 11.70%); the 12-month minimum term and Rs 50,000 minimum amount are our estimates.

SBI Student Loan (India or abroad after securing admission): up to Rs 7.5 lakh with parent/guardian as co-borrower and no collateral or third-party guarantee, tangible collateral above that; margin nil up to Rs 4 lakh then 5% India / 15% abroad; repayment up to 15 years after course plus a 12-month holiday. Ceilings: Student Loan India Rs 30 lakh to Rs 75 lakh by course and NIRF rank (abroad Rs 7.5 lakh), Scholar Loan (premier institutes, List AA/A/B/C) up to Rs 1 crore, Global Ed-Vantage (abroad) above Rs 7.5 lakh to Rs 3 crore, collateral-free to Rs 50 lakh for select institutions; PM-Vidyalaxmi is collateral- and guarantor-free at notified QHEIs (co-borrower mandatory above Rs 75 lakh or for minors), moratorium course + 1 year. Rate is the EBR card of 9 Jun 2026 (6.90% Scholar / PMVL-Utkarsh to 9.90% Student Loan without collateral, dated 6.75% promo excluded), which predates the Oct 2026 repo rise; adjusted +0.25. No student age or co-applicant income floor is published; the 12-month minimum term and Rs 50,000 minimum amount are our estimates.

Product page: up to Rs 3 crore for India or abroad (older content said Rs 2 crore India), pre-admission sanction, zero margin for select premier institutes and 15% otherwise, unsecured only for select institutes (up to Rs 1 crore), so no general collateral-free limit is modelled. Student age comes only from ICICI's eligibility blog and FAQ (minimum 16, apply by 35, up to 65 at closure; an older page says 18 to 35), so the block is tagged inferred; an earning co-applicant may be waived for students with work experience. Tenure: FAQ says up to 15 years including moratorium, the rate page up to 14 years (PG), used here. Rate: category starting rates 8.50% to 10.25% (CGFSEL 10.95%, PM-Vidyalaxmi 9.45%); the 13.00% cap is the latest disbursal-statistics maximum, used as our estimate; the 12-month minimum term and Rs 50,000 minimum amount are our estimates.

Product/eligibility page: Indian citizen with at least 50% in HSC and graduation where applicable, admitted through entrance exam or merit to a career-focused graduate/postgraduate course in India or abroad; a co-applicant (parent, sibling or guarantor) must show regular income; collateral (property or Axis FD) may be required in appropriate cases, with no threshold published. No margin up to Rs 4 lakh or at select institutes; moratorium course + up to 12 months for select institutes. No student age, amount or tenure is published, so none is modelled. Rate: repo + 3.5% (9.00% at the 5.50% repo of 8 Oct 2026); the 13.00% cap is our estimate from the Apr-Jun 2026 disbursal PDF (3.50% subsidised minimum, 13.00% maximum, 9.22% mean).

Eligibility page: Indian national with admission in India or abroad through entrance test or merit to listed professional, PG and approved courses; Kotak says there is no specific age restriction for the student; co-applicant/guarantor aged 21 at origination and up to 70 at maturity; up to Rs 10 lakh for India and Rs 20 lakh for abroad. Fixed rate 11% to 17% on the rate table (the fees page says up to 16%, conflict noted; Q1 FY27 contracted loans all at 12%). No tenure, collateral threshold or income floor is published. The Rs 50,000 minimum is our estimate (no minimum is published).

Product page: Indian nationals including NRIs, aged 18 or above (no maximum published), with an admission letter or a pre-admission sanction; up to Rs 1.5 crore for India and abroad, up to 100% of eligible expenses, repayment up to 15 years. Collateral-free up to Rs 75 lakh only for select institutions, so no general collateral-free limit is modelled. Rate starts at 9.50%; the 14.25% cap is our estimate from the latest contracted-loan disclosure (9.00% to 14.25%, mean 10.53%). No co-applicant income or score floor is published; the 12-month minimum term and Rs 50,000 minimum amount are our estimates.

Education Loan page: Indian student with confirmed admission to a recognised institution in India or abroad, co-applicant normally parent/guardian (spouse or parents-in-law if married); up to Rs 125 lakh India and Rs 150 lakh abroad. Collateral-free limits are published only for the Premier Institutions scheme (AA Rs 40 lakh, A Rs 30 lakh, B Rs 15 lakh, C Rs 10 lakh), so no general limit is modelled; the student age cap of 40 applies only to the Digital Education Loan. Rate: page says from 7.1% (central card spreads run BRLLR - 1.05% for PM Vidyalaxmi top institutes to BRLLR + 2.00% for non-premier abroad up to Rs 7.5 lakh); card predates the Oct 2026 benchmark change; adjusted +0.25, and the 10.15% cap is our estimate from that table. No tenure, income floor or score is published; the Rs 50,000 minimum is our estimate (no minimum is published).

Pages reviewed cover the Digital Education Loan and PM-Vidyalaxmi: merit admission to listed QHEIs in India, need-based and collateral-free (PMVL also guarantor-free) with parents/guardians as joint borrowers, margin nil at AAA/AA institutes and above Rs 4 lakh 5% elsewhere, repayment up to 15 years after a course + 1 year moratorium; interest subvention of 100% (technical courses) or 3% for family income up to Rs 4.5 lakh and 3% for Rs 4.5 lakh to Rs 8 lakh. Abroad study appears only on the service-charge page, and no general collateral-free limit, student age, amount cap or income floor is published, so none is modelled. Rate starts at 6.85% (digital product); the 10.25% cap is our estimate from peer PSU education cards; the 12-month minimum repayment term is our estimate.

Main Education Loan page: Indian student aged 18 to 35 (a course section says 18 to 45 for some programmes, conflict noted), 10+2 or diploma completed, admission or pre-admission sanction for a listed institute in India or abroad, and a co-borrower (parent, sibling, spouse, grandparent, in-law or uncle) typically required. Unsecured up to Rs 85 lakh, secured up to Rs 2 crore, repayment up to 15 years, moratorium course + up to 12 months. Fixed headline rate 9.50% to 21%. No co-borrower income or score floor is published; the 12-month minimum term and Rs 50,000 minimum amount are our estimates.

PM-Vidyalaxmi (Indian nationals admitted on merit to listed QHEIs): no amount ceiling, nil collateral and guarantee, 75% credit guarantee up to Rs 7.5 lakh, interest subvention 100% below Rs 4.5 lakh family income and 3% for Rs 4.5 lakh to Rs 8 lakh. Abroad Category A/B (full-time PG at designated premium universities): Rs 7.5 lakh to Rs 150 lakh, parent or spouse co-applicant/guarantor with CIBIL 650+ (or -1), repayment up to 15 years after course + 1 year, NRIs excluded; the 650 score is scheme-specific so it is not set as a general gate. No general collateral-free limit, student age or education rate is published, so none is modelled; the 12-month minimum term and Rs 50,000 minimum amount are our estimates.

IBA Model Education Loan Scheme page: Indian national (NRI with Indian passport too) for recognised courses in India and abroad, loan jointly with parent/guardian; merit quota up to Rs 7.5 lakh needs no collateral (CGFSEL cover), above that 100% tangible collateral, while management quota needs 50% collateral even up to Rs 4 lakh. Need-based with no published maximum; margin nil up to Rs 4 lakh, then 5% India / 15% abroad; EMI up to 15 years after course + 1 year. The IBA page publishes no rate, so the range is the RLLR card for Canara's named education schemes (Vidya Turant 7.35% to Vidya Sagar/Sahay 10.00%; PM Vidyalaxmi 7.25% to 8.25%); card predates the Oct 2026 benchmark change; adjusted +0.25. No age, income or score floor is published; the 12-month minimum repayment term is our estimate.

IB Education Loan (IBA) page: Indian national (incl. NRI) admitted through entrance test or merit after 10+2 to a recognised course in India or abroad, parents/guardian/spouse as joint borrowers; collateral and third-party guarantee waived up to Rs 7.5 lakh under CGFSEL (fee absorbed by the bank), category-specific security above. Need-based with no published cap; margin nil up to Rs 4 lakh, 5% India / 15% abroad to Rs 7.5 lakh, 15% / 20% above; up to 180 EMIs after course + up to 1 year; student life insurance mandatory; the Executive MBA variant needs 3 years' experience, up to Rs 25 lakh, 25% margin, 120 EMIs. Rate and processing fee are on separate schedules not captured, so none is modelled; the 12-month minimum repayment term is our estimate.

DCB Education Loan is listed and its product page is live, but it publishes no age, income, score, amount, tenure, margin, moratorium, collateral threshold or rate. The application form has parent/guardian and guarantor sections and asks for passport and visa for study abroad; the loan agreement covers education in India and technical/professional studies abroad. Tagged inferred because no eligibility gate is published.

RBL's education-loan page publishes: student and co-applicant Indian residents, a co-applicant (father, mother, brother, sister or spouse, salaried or self-employed) mandatory for all loans, minimum net income Rs 2.4 lakh a year, study in India or abroad, up to 100% of the eligible cost and a floating rate from 10% p.a. over up to 180 months with a moratorium option. The page does not say whether the income floor is tested on the co-applicant alone or on combined income; we apply it to the co-applicant. Loans are secured (residential or commercial property or an RBL fixed deposit) up to Rs 3 crore (checked on RBL's page, 2 Nov 2026) and no collateral-free limit is published, so none is set. No student age, score or FOIR is published: the Rs 1 lakh minimum, 12-month minimum tenure, 14% ceiling and 750 preferred score are our estimates.