Where Our Numbers Come From

Rs 25,000 floor applies to HDFC salary account holders; Rs 50,000 for everyone else. Bank publishes 720+ as the working credit score threshold on its eligibility page and 750+ is the practical bar for a Rs 20 lakh ticket, which also requires roughly Rs 75,000 net income and a Category A or B employer.

Salary-package product: only for applicants whose salary is credited to an SBI account - mainly central/state government, PSU, defence and select corporate payrolls. Private-sector employees without an SBI salary account are not eligible. EMI/NMI is the explicit published gate: 50% on the standard scheme, up to 65% on Real-Time Xpress Credit which also caps at 30x NMI or Rs 50 lakh, whichever is lower. Government and defence salary package holders get the widest limits and the lowest income floor.

Rs 30,000 net monthly income for salaried, varying by city and employer profile. Self-employed professionals need Rs 15 lakh turnover, non-professionals Rs 40 lakh. Also requires 12 months at the current residence, which is an unusual and frequently missed criterion.

Rs 15,000 floor for Axis customers, Rs 25,000 for non-customers and typically Rs 25,000 in Delhi and Mumbai regardless. Self-employed applicants need 5 years of business vintage, the strictest such requirement among the banks reviewed. Credit score expectation is published at 750, higher than most peers.

Rs 25,000 for Kotak salary account holders, Rs 30,000 for others, Rs 20,000 for Kotak's own employees. Published criteria include a graduation degree, employment with an MNC / public limited / private limited company, and residence in the same city for at least a year.

Published preference is 710+ for salaried and 760+ for self-employed, the widest such gap among the lenders reviewed. FIRSTmoney, the digital variant, advertises a much lower Rs 10,000 salary floor for small tickets. Zero foreclosure charges.

Published CIBIL preference is 701+. Maximum age is retirement age or 60, whichever is lower, extending to 75 for pensioners. Employees of proprietorships, private limited companies, partnerships and trusts qualify with 1 year of continuous service; government, PSU, MNC and educational institution employees on the same 1-year basis. Co-applicants are generally not permitted.

LARGELY INFERRED. PNB does not publish a single consolidated eligibility matrix. The structure modelled here follows the published shape of comparable PSU schemes: employer categories A/B/C, a total deduction ceiling of 50-65% of gross salary depending on category, a cap of roughly 20-24x gross monthly income, and a mandatory salary-credit or employer-undertaking arrangement. Bank of Maharashtra's published personal loan scheme is the closest public analogue and was used as the template.

LARGELY INFERRED. IndusInd does not publish a detailed eligibility matrix comparable to HDFC or ICICI. Values here sit at the private-bank median, which is the defensible default when a lender is silent.

Rs 15,000 minimum monthly income with 1 year total experience and 6 months in the current job. Published credit score expectation of 725 is higher than Bajaj's, so this is not the lender to fall back on when the score is the problem, only when the income floor is.

Publishes 685 as the paperless-approval score and 650 as the floor. Age window runs to 80 at loan maturity, by far the widest here. Income floor is Rs 25,001 nationally but rises to roughly Rs 35,000 in Delhi, Mumbai, Pune, Hyderabad, Bengaluru, Chennai, Ghaziabad, Noida, Thane and Coimbatore. Tenure to 108 months is the longest unsecured tenure in this set.

Aditya Birla Capital's own eligibility page states there is no minimum eligible salary, only that income must be steady, and sets the age band at 21-60. Market-reported floors run Rs 25,000-35,000 depending on city, with a 750 credit score expectation. Where a lender declines to publish a number, LoanFit models the market-reported number and flags it.

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 - Prime (confirmed central/state government, defence, paramilitary, PSU and autonomous-body employees, max Rs 50 lakh) and Delight (confirmed employees of reputed corporates, MNCs, listed/private companies, institutions and IT/BT firms, max Rs 40 lakh). Quantum is 25 months' gross salary; net take-home after all EMIs must stay above 25% of salary or Rs 10,000, whichever is higher (i.e. a 75% obligation ceiling, the loosest in the panel); minimum 1 year of confirmed service; tenure up to 84 months; processing fee 0.50% (Rs 1,000 to Rs 5,000; 50% waived 1 Jul to 30 Sep 2026); co-obligation of spouse or legal heir. Age, minimum salary and CIBIL score are not published on the product page - the 21 to 60 window and Rs 13,500 floor here are standard assumptions. Rate band is aggregator-reported (BankBazaar), not on the product page. Canara Ready Cash is the stricter digital alternative for existing salaried customers: CIC score 700+, entry age 21 to 55, salary credit of Rs 50,000/month, Rs 50,000 to Rs 10 lakh, 12 to 60 months.

IB Clean Loan to Salaried Class: permanent employees with 2 years' service at government, quasi-government, boards or reputed companies; entry age 21; loan must close 3 months before superannuation; take-home pay after the proposed EMI must stay at or above 40% of gross (a 60% obligation ceiling). Quantum 20 times gross monthly salary - capped at Rs 50 lakh when salary is credited with Indian Bank without a check-off, uncapped with an employer check-off or an existing regular Indian Bank home loan. Tenure up to 84 months. No income floor is published - Rs 15,000 is a nominal figure. Rate not on the product page; PSU rate card applies.

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.

YES Bank's own eligibility page could not be fetched on this pass (HTTP/2 protocol errors on every attempt), so the panel entry is aggregator-corroborated (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 Personal Loan: Indian resident, minimum age 21 at application and 65 at maturity, 12 to 60 months, Rs 25,000 up to Rs 15 lakh on the product page (the FAQ on the same page still quotes Rs 10 lakh), no collateral. Rate up to 30% (the FAQ cites an 18% average); processing fee up to 4% of the loan with a Rs 2,000 minimum; overdue interest 3% a month; foreclosure not allowed in the first 6 months, then 5% of the balance up to month 12 and 3% after. Income floor and score are not published - the Rs 15,000 in AU's own eligibility blog is described there as a common private-bank benchmark, so it is used only as the nominal floor.

Bank of India's site is behind a Cloudflare bot check that blocked every fetch on this pass, so Star Personal Loan is aggregator-corroborated (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. The salaried block on the page did not render - 21 to 60 and a Rs 15,000 floor are the NBFC median. 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. Most other Mahindra Finance pages are Cloudflare-blocked.

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 Personal Loan: salaried 23 at application to 60 (or retirement) at maturity; self-employed 25 to 65 with the business in existence for at least 3 years; up to Rs 5 lakh. Rate 12% to 28% fixed on a reducing balance (the calculator's 12.75% to 44% is an input range); processing fee up to 5% plus a convenience fee up to Rs 500; penal interest 24% a year. Income floor and tenure are not on the eligibility page - nominal floor and the calculator's 3 to 42 month window assumed.

Muthoot Personal Loan: FAQ age window 21 to 67; salaried applicants from government / public sector or established private-sector employers, self-employed applicants meeting the income and risk norms, or anyone offering 100% collateral (LIC policies, RBI bonds, NSCs); loans from about Rs 50,000 up to Rs 20 lakh, maximum tenure 60 months (also stated in the loan policy), rate from 13.5% a year (the eligibility-page calculator's 12% is illustrative; the ceiling is not published, so the engine's rate card applies). A 750+ score is ideal and some schemes accept 600+. Income floor is not published - nominal floor used. Processing typically 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.

Very low published income floor (Rs 10,000/month salaried, Rs 2 lakh p.a. business income) because the loan is collateral-backed. Tenure up to 30 years. Co-applicant income is poolable and typically lifts eligibility 20-30%.

Widest age window in the market: 18 to 70, extending to 75 under Privilege (government employees) and Shaurya (defence). SBI states applicants below a 550 bureau score are not eligible. Self-employed applicants need 3 years of business existence and net profit in the last 2 years.

FOIR treated slightly tighter than SBI/HDFC in market commentary. Income floors are market-reported rather than published.

INFERRED income floors. The higher FOIR ceiling is consistently reported in market commentary and is the main reason Axis approves files that SBI's 50% cap declines.

INFERRED.

INFERRED.

INFERRED income floors; PSU home loan pricing and age windows are consistently among the most competitive.

PNB runs a Gen-Next scheme for professionals up to 40 years of age offering roughly 1.25x normal loan eligibility with tenure up to 30 years and a moratorium of up to 60 months. Income floors here are INFERRED.

INFERRED.

INFERRED. Housing finance arm typically prices above banks but accepts profiles banks decline, particularly self-employed and informal-income files.

INFERRED.

INFERRED.

Union Home: Indian citizens and NRIs, entry age 18, exit age up to 75, no ceiling on the loan amount (eligibility is repayment capacity plus property value), LTV 90% up to Rs 30 lakh / 80% to Rs 75 lakh / 75% above (matches the RBI bands), tenure up to 30 years with a moratorium of up to 36 months. No income floor is published - the nominal Rs 10,000 floor here only stops the engine from sizing against zero. Processing fee 0.50% capped at Rs 15,000. Rate not on the product page; PSU rate card applies.

Canara Housing Loan: no upper limit on quantum; salaried up to 72 times last drawn gross monthly salary (96 times selectively), self-employed up to 6 times average annual gross income of the last 3 years (8 times selectively). Salaried applicants need 2 years' aggregate service with 6 months in the current organisation; self-employed need 3 years of ITR. Entry age must be under 60 (older applicants only jointly with an earning spouse/heir) and the loan must close before 75; tenure up to 30 years. Margin 10% / 20% / 25% by ticket size for houses up to 10 years old (25% throughout for older houses). Income floor is not published - nominal figure used. Processing fee 0.50% (Rs 1,500 to Rs 10,000).

Indian Bank's home-loan page renders its eligibility table only as a truncated preview, so the age window (18 to 70), 30-year tenure and 7.90% starting rate are aggregator-corroborated (BankBazaar) rather than read off the bank's own table. No income floor or minimum credit score is published (BankBazaar notes the bank has not defined one). Nominal income floor used.

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 rendered 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 Home Purchase Loan: Indian resident, age 21 to 70 at maturity, minimum Rs 2 lakh, tenure 1 to 30 years for bank-salaried and up to 20 years for cash-salaried / self-employed, formal and informal income (documented, assessed or combined) accepted; rates from 8% per the loans FAQ, fixed, flexi or floating. FOIR and LTV are profile- and property-dependent per the FAQ (the eligibility blog's 50% FOIR and 90% LTV are illustrative). Amount cap and income floor not published - nominal values used.

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.

Bajaj Housing Finance eligibility: salaried 23 to 67 (Indian citizens including NRIs) with at least 3 years' work experience; self-employed 25 to 70 (residents only) with at least 3 years in the current business; upper age counted at maturity and dependent on the property profile. Income floor, amount cap and rate are not on the eligibility page - nominal floor, Rs 15 crore cap and the home rate card assumed.

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.

INFERRED beyond the age window. IIFL Home Finance publishes only that applicants must be resident Indian citizens aged 18 to 75, salaried or self-employed, that a co-applicant is optional but lifts eligibility, and that income, credit history, employment, property type and value drive the decision. Income floor, amount, tenure and LTV are not published - affordable-housing HFC assumptions and the RBI LTV bands are used. The site was bot-blocked (HTTP 403) on the September 2026 pass and was read from a rendered copy on 17 Sep 2026.

INFERRED. Muthoot's home-loan eligibility page lists the documents below and says a co-applicant, cleared debts and declared additional income improve eligibility, but publishes no age, income, amount, rate or tenure thresholds - affordable-housing NBFC assumptions used.

One of the strictest published turnover bars in the market at Rs 40 lakh, plus 3 years in the current business and 5 years total business experience, and profit in each of the last 2 years.

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.

INFERRED from peer bank unsecured MSME programmes.

INFERRED.

Publishes a clear 3-year minimum business vintage and a 700+ CIBIL preference, offers a GST-returns programme where the limit is sized off annual turnover in the GST data, and makes a co-applicant mandatory even though no collateral is taken.

INFERRED. PSU MSME lending is scheme- and collateral-driven; unsecured limits are smaller than the figures above unless CGTMSE-backed.

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Tata Capital publishes the most accessible bar in this set: age 21-65, CIBIL 700+, minimum annual turnover in the Rs 10-40 lakh range depending on lender and ticket, and 1-3 years of business vintage with a record of profitability. It also states a sub-700 score can still work if vintage and turnover are strong or a guarantor is added.

States a 3-year vintage requirement with a preferred CIBIL of 650+, and indicative pricing of 14-23% p.a. Explicitly says early-stage businesses under 3 years generally do not qualify for competitive unsecured pricing and should look at startup or GST-based products.

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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's retail business loan page was unreachable on this pass; 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 Business Loan (business banking FAQ): minimum age 21, at least 3 years in the same line of business, minimum loan Rs 10 lakh, open to individuals, proprietorships, partnerships, LLPs, companies (promoters holding 51%+), trusts and societies; residential, commercial or industrial property and liquid securities are accepted as collateral where required. Tickets under Rs 10 lakh route to the Micro Business Loan (from Rs 2 lakh, secured and unsecured variants, self-employed professionals and non-professionals), which is why the floor here is Rs 2 lakh. Maximum age, turnover, score, amount cap and tenure are not published - 65 at maturity, a nominal Rs 10 lakh turnover, 750 preferred and a Rs 50 lakh / 60-month sizing window are standard assumptions (AU's secured business loans run 1 to 15 years).

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's SME business-loan page is Cloudflare-blocked on this pass; 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.

IIFL Business Loan (eligibility FAQ): self-employed applicants aged 23 to 65, CIBIL score over 700, business not blacklisted, unsecured up to Rs 75 lakh. The general FAQ asks for 6 months of operation while sole proprietors need 2 years - since most individual applicants are proprietors the 2-year figure is applied. The calculator runs 1 to 3 years at 12% to 28%. Minimum ticket and turnover are not published - a nominal Rs 1 lakh floor and Rs 20 lakh turnover are used.