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Personal Loans
Eligibility for Loans
If you meet the five basic criteria mentioned below, you are eligible for a personal loan
- Nationality should be Indian.
- Minimum age: 23 years and Maximum age: 60 years
- Employed with Public, private or MNC.
- CIBIL score should be 750 or higher.
- Monthly salary should be starting from Rs. 22,000 (Based on the city you are living in)
Document required for Loans
Below are the documents required for completing your application process
- KYC documents (Aadhar card / Voter’s ID / Passport / PAN card).
- Salary slip of last 3 months.
- Employee ID card.
- Bank account statements of last 3 months.
Business Loans
Eligibility Criteria for Business Loans
Everyone who meet the five basic criteria below are eligible for business loan
- Nationality should be Indian.
- Minimum age: 24 years and Maximum age: 70 years
- Business vintage should be 1 year or above.
- CIBIL score should be 750 or above.
- Business must be profitable for the past 2 years.
Documents required
Below are the documents required for completing your application process
- KYC documents (Aadhar card / Voter’s ID / Passport / PAN card).
- Proof of business ownership (Trade licence/ITR/Establishment/Sales tax certificate).
- Income proof (ITRs and computation/ balance sheet (audited by a registered CA)/ P/L.
- Profit/Loss statement for the past two years).
- Last 6 months bank statement.
Home Loans
Eligibility Criteria for Home Loans
Below are the housing loan eligibility criteria for the individuals:
- Nationality should be Indian.
- Minimum age: 21 years and Maximum age: 65 years (Salaried) and 70 years (Self-employed).
- Minimum income: Rs 15000 per month (Salaried) and Rs. 12000 (Self-employed).
- CIBIL score should be 750 or above.
- Co-applicant should be family member (If applicable).
Document required
If you are eligible for home loan, check below the documents required:
- KYC documents (Aadhar card / Voter’s ID / Passport / PAN card).
- Last 3 months salary slip (Salaried) and Business profile (Self-employed).
- Processing Fee and CERSEI cheques.
- Signature proof.
Auto Loans
Eligibility Criteria
We offer auto loans for your favourite car. Check below the eligibility criteria for the same
- Nationality should be Indian.
- Minimum age: 21 years and Maximum age: 60 years (Salaried) and 65 years (Self-employed).
- Net income should be Rs. 10,000 per month or above.
- Applicants should have working experience for at least 2 years.
- Applicants must stay at their current residence for at least 1 year.
Documents required
Below are the documents required for applying for auto loan
- KYC documents (Aadhar card / Voter’s ID / Passport / PAN card).
- Income proof ( Salaried: Current 6 month’s salary slips / Past 3 month’s bank statement / Form-16 / Updated ITR and
- Self-employed: Past 3 month’s bank statement / Balance sheets / P&L accounts / Updated ITR ).
- Signature verification.
- Copy of vehicle registration certificate.
Gold Loans
Eligibility criteria
Everyone who meet the five basic criteria below are eligible for gold loan Nationality should be Indian
- Minimum age: 21 years and Maximum age: 70 years
- Purity of gold should be 18K to 22K.
- If bank-minting coins, then 24 karats and up to 50 gms per applicant
- The applicant should be Salaried, Self-Employed Professional, Businessman, Farmer, or Trader.
Document required
Following are the documents required for gold loan
- KYC documents (Aadhar card / Voter’s ID / Passport / PAN card).
- 2 passport size photographs.
- Application form for gold loan.
Credit Card
Convert the balances on your credit cards into manageable EMIs. Gain financial control and steer clear of high interest rates. Are you interested in learning more about suitable credit card offers?
We’ve got you covered, then! A credit card is a thin piece of plastic that banks give out to make it easy to borrow money quickly from a limit that has already been approved. Never before has it been so easy to buy something. It only requires one swipe of the card. Utilizing Card, you can cut down on the time you spend looking for a credit card that meets your specific financial requirements.
Insurance
Finance your life, health, or general insurance premiums. Maintain uninterrupted coverage without worrying about cash flow. A simple and quick application process. Are you overwhelmed by the number of choices available on the market right now?
Well, Smart loanlinks solutions make it simple to find the best insurance policy and provider, so you can rest easy. Insurance is a contract that is represented by a policy, and it provides you with financial protection or reimbursement from the insurer for a specific loss. Our financial solutions save time, whether it’s for a car, life, or home insurance policy.
Education Loans
Do you want to achieve your educational goals? Are you looking for funds to pursue your goal of studying abroad? But you don't know how to proceed?
Well, Smart Loanlinks Solutions can help. loans that help the borrower meet their national and international educational requirements at a reputable college or university. Don’t be afraid to go after your educational goals! Although getting a loan is now easier than ever, it takes time to carefully evaluate all of your options. To simplify things, use our Loan Eligibility and EMI calculator.
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Get personalized guidance from our experienced loan specialists. We’re here to help you choose the right loan with easy approval and flexible options.