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To apply for loan,
you should

Personal Loan:

— Should be an Indian with minimum age of 19 years and maximum age of 68 years
— Should have a PAN and current address proof
— Should have a bank account with internet banking facility
— Should be a salaried professional or have a business income or should be drawing a pension

Consumer Durable Loan:

— Should be an Indian with minimum age of 18 years and maximum age of 68 years
— Should have a valid identity and current address proof
— Should have a source of income
— Should have minimum 90 days gap between 2 Home Credit loan applications

Acceptable Documents

List of acceptable documents for address and identity proof (effective June 2019)

1. PAN Card or Form 60

2. And any of the below documents

  • • Voter ID issued by the Election Commission of India
  • • Passport (Expiry should not be within three months of application)
  • • Driving Licence
  • • Job card issued by NREGA duly signed by an officer of the State Government
  • • Letter issued by the National Population Register containing details of name and address
  • • Masked Aadhar
  • *These documents can be in the name of an immediate family member with whom the applicant is living, but must still be of the current residence address of such immediate family member. In certain cases, additional income proofs/ documents may be required. For two wheeler loan applications, additional proofs of income and hypothecation documents may be required.