Eligibility Criteria to Apply for a Loan


To apply for a loan with Home Credit, you should:

  •  Be an Indian national
  •  Be 19 years of age as on the date of loan application
  •  Be a salaried professional/ have a business income or should be drawing a pension
  •  Have a current residential address in an area of Home Credit India's operations
  •  Hold at least two valid documents to prove identity and current address, from the list below
  •  Have Adhaar Card

List of acceptable documents for identity and address proof:

A copy of any one documents below:
  • PAN Card
  • Voter's ID
  • Passport
  • Driver's License
  • UID/ Aadhar card

*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.

A copy of any one of the documents below:
  • Voter ID
  • Passport
  • Driver's License
  • UID/ Aadhar card
  • Latest 2 months' electricity bills*
  • Latest 2 months' telephone bills*
  • Latest 2 months' mobile bills*
  • Latest 2 months' credit card statements
  • Last 3 months' bank statements
  • Ration Card*
  • Property Registration Deed

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Eligibility Criteria to Apply for a Loan

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