Criteria	Self-Employed	Salaried	Students
Minimum Age	21 years	21 years	18 years
Credit score	Preferably 600+, but flexible with collateral or income proof	Preferably 600+	Not applicable with co-signer
Income Proof	Salary slips for last 3-6 months	Salary slips for last 3-6 months	Income proof not required if co-signed
Employment/Business Tenure	Minimum 2 years of business operations	Minimum 1 year with current employer	Education enrollment proof needed
Collateral	Required in some cases (property, equipment)	Not usually required (optional)	Not required (with co-signer)
Additional Documentation	Tax returns, business registration, ID proof	Employment letter, bank statements	Co-signer documents, student ID

Document Type	Details
Proof of Identity	PAN card Aadhaar card Valid Indian Passport Voter ID (any one)
Proof of Income	Salary slips and bank statements for salaried employees Income tax returns and business financials for self-employed individuals
Proof of Address	Aadhaar card Utility bills Valid Indian Passport Valid Driver’s License Any government-issued document showing current address
Bank Statements	Recent bank account details to verify financial stability and ensure smooth disbursement