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Policy
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1. Sourcing Type
Only Salaried profiles are eligible.
2. Eligibility Criteria
Age: 21 to 58 years
CIBIL:
700+ for income above ₹50,000 NTH
720+ for Super CAT A, CAT A, CAT B (income < ₹50,000)
730+ for CAT C, CAT D (income < ₹50,000)
Zero CIBIL and -1 CIBIL acceptable (up to ₹10 Lacs)
Company Category: Super A, A, B, C, D & Govt (refer company list).
For unlisted companies, listing check is mandatory.
Bachelor Profile: Allowed.
Pincode: As per approved list (PAN India).
Current Address Proof: Mandatory (Any one of below) – Aadhaar, Passport, Voter ID, Driving License, Rent Agreement, Wi-Fi Bill, Postpaid Bill.
3. Minimum Net Salary (NTH) Requirement
| Location | Age < 35 Years | Age ≥ 35 Years |
|---|---|---|
| Mumbai | ₹40,000 | ₹35,000 |
| Tier 1 | ₹35,000 | ₹30,000 |
| Tier 2 | ₹25,000 | ₹25,000 |
| Tier 3+ | ₹20,000 | ₹20,000 |
4. Loan Details
Loan Amount: ₹1 Lac – ₹30 Lacs
Tenure: Up to 6 years
Rate of Interest (ROI): 11.5% – 18% (based on loan amount)
Processing Fee: 1.50%
FOIR: Maximum up to 80%
5. Special Features & Benefits
Balance Transfer allowed (PL & OD)
100% Digital Process (9 AM – 9 PM, including Sundays)
VKYC (Applicant must show PAN/ePAN + current address proof)
Incentives/Bonuses are countable in income
High Enquiry profiles acceptable (up to 10)
Real-time case status available on DSA Portal
Fast processing – TAT of 48 hrs
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CP Advisor Digital Pvt Ltd provides instant personal and business loans across PAN India through our extensive network of DSA partners. Our seamless loan process ensures quick approvals and hassle-free disbursals, helping individuals and businesses achieve their financial goals with ease.