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Get Instant Loan Referral By Hemlata Sutariya ( L&T personal loan )

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Policy

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

LocationAge < 35 YearsAge ≥ 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

DSA Details