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Income & repayment capacity
Your income, regular expenses and existing EMIs may influence the amount and terms a lender considers.
Loan Eligibility
A clearer starting point for your financial plans.
Understand the factors lenders may consider before you apply. Share your requirements with our team to discuss the relevant information, documentation and potential next steps.
Understand lender criteriaPrepare relevant documents
Eligibility overview
What may be assessed?
Income & obligations
Income records and repayment capacity
Applicant profile
Employment, business or other relevant details
Credit & lender criteria
Credit history and product-specific policies
Supporting documents
Documents needed for the selected product
Eligibility requirements vary by lender and product. Meeting an indicative criterion does not guarantee approval.
Know the factors
What can affect loan eligibility?
Lenders assess applications using their own policies. These are some common factors that may be considered.
02
Employment or business profile
Employment stability, employer profile, business vintage and income records may be reviewed, depending on the product.
03
Credit history
Your credit history, repayment behaviour and outstanding obligations may form part of the lender's assessment.
04
Location & documentation
Serviceable locations, identity documents and product-specific requirements can differ between lenders.
Salaried applicants
Start with the basics.
If you are salaried, income is one of several factors that may be reviewed. The applicable criteria depend on the lender, location, employer profile and selected product.
Indicative reference only
Indicative minimum monthly salary
₹15,000*
This is a general reference for some loan products, not a universal lender requirement. Actual criteria may be different, and income alone does not determine eligibility.
Discuss your circumstances*The ₹15,000 figure is indicative only. Verify current requirements with the relevant lender before applying.
Preparation checklist
Documents you may need
The exact list depends on the loan type and lender. You may be asked for some or all of the following.
Identity proof
PAN card and other identity documents, as applicable.
Address proof
Valid residential or business address documentation.
Income documents
Salary slips, bank statements, ITR or other relevant income records.
Employment or business proof
Employment details or business documents, depending on the loan type.
Financial statements
Recent bank statements and any additional records requested by the lender.
Additional documents
Property, vehicle, education or other product-specific documents, where applicable.
Keep your documents secure. Submit sensitive financial or identity documents only through a verified, appropriate channel when requested.
Take the next step
Let's understand your requirements.
Share your basic details and the type of financing you are exploring. Our team can review your enquiry and discuss the relevant next steps with you.
Tell us about your requirements
Discuss relevant information and documentation
Understand the lender-led assessment process
No guaranteed outcomes
Submitting an enquiry does not guarantee eligibility, loan approval, a specific amount or a particular rate.
Eligibility enquiry
Share your details
Complete the form to tell us what type of financing you are looking for.
Secure enquiry
Let's find a way
forward for you.
Share a few details about your requirement. Our team can help you understand the available financing options and next steps.
Your enquiry, handled with care
Information is used to respond to your request.
Aarya Loans Solution facilitates enquiries and discussions regarding financing options. The relevant lender determines eligibility, documentation requirements, interest rates, loan terms and final approval.