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Sona Paisa - Sona Business Solutions | Institutional Credit
SonaPaisaSona Business SolutionsINSTITUTIONAL CREDIT
Loan Eligibility

Check Your Loan Eligibility & Borrowing Power

Use our smart eligibility calculator to estimate how much loan you qualify for, based on your income, obligations, and financial profile.

Interactive Tool

Loan Eligibility Calculator

Adjust sliders to find your maximum loan sanction potential

₹60,000
₹20,000₹5,00,000
₹10,000
₹0₹1,50,000
5 Years (60 Months)
1 Year15 Years
10.5% p.a.
8%20%
Maximum Borrowing Capacity
You Are Eligible For Up To
₹9,30,497
Max Allowed EMI
₹20,000 / mo
Tenure
5 Years

*Estimated using standard 50% FOIR (Fixed Obligation to Income Ratio) calculation. Final approval depends on bank verification and CIBIL score.

Requirements

Loan Criteria By Category

Review eligibility benchmarks and required paperwork for each loan type.

Personal Loan

9.99% - 24%

Eligibility Criteria

  • Age: 21 - 60 years
  • Minimum income: ₹25,000/month
  • Employment: Salaried or Self-employed
  • CIBIL Score: 700+

Required Documents

PAN CardAadhaar CardSalary slips (last 3 months)Bank statements (last 6 months)Address proof

Business Loan

14% - 26%

Eligibility Criteria

  • Business vintage: 2+ years
  • Annual turnover: ₹10 lakhs+
  • Age: 21 - 65 years
  • Valid business registration

Required Documents

Business registration proofIT returns (last 2 years)Bank statements (last 12 months)GST registrationKYC documents

Education Loan

8.5% - 15%

Eligibility Criteria

  • Indian citizen
  • Admission to recognized institution
  • Age: 18 - 35 years
  • Co-applicant required

Required Documents

Admission letterFee structureAcademic recordsCo-applicant KYCCo-applicant income proof

Vehicle Loan

7.5% - 14%

Eligibility Criteria

  • Age: 21 - 65 years
  • Minimum income: ₹20,000/month
  • Employment: Salaried or Self-employed
  • CIBIL Score: 650+

Required Documents

PAN CardAadhaar CardIncome proofBank statements (last 3 months)Proforma invoice

Home Loan

7% - 12%

Eligibility Criteria

  • Age: 21 - 65 years
  • Minimum income: ₹30,000/month
  • Employment: Salaried or Self-employed
  • CIBIL Score: 700+

Required Documents

Property documentsPAN & Aadhaar CardIncome proofBank statements (last 6 months)Employment proofProperty valuation report

Credit Card

0% - 42%

Eligibility Criteria

  • Age: 21 - 65 years
  • Minimum income: ₹20,000/month
  • Employment: Salaried or Self-employed
  • CIBIL Score: 700+

Required Documents

PAN CardAadhaar CardSalary slips (last 2 months) or ITRBank statement (last 3 months)

Home Loan & LAP

8.4% - 12.5%

Eligibility Criteria

  • Age: 21 - 65 years
  • Minimum income: ₹30,000/month
  • Employment: Salaried, Self-employed, or Professional
  • CIBIL Score: 700+

Required Documents

Original title deeds & chain of ownershipPAN & Aadhaar CardIncome proof (ITR / Form 16 / Salary slips)Bank statements (last 6 months)Approved floor plan & sanction letterLatest property tax receipts

Gold Loan

8.9% - 18%

Eligibility Criteria

  • Age: 18 - 70 years
  • Gold purity: 18K, 20K, 22K, or 24K ornaments/coins
  • Valid government-issued KYC identification

Required Documents

Aadhaar Card or PassportPAN Card (or Form 60)Passport size photographGold ornaments or coins for purity valuation
Credit Health

What Credit Score Do You Need?

A CIBIL score of 700 or above unlocks the best interest rates, faster approvals, and pre-approved offers from partner banks. Even with a lower score, our advisors can assist with alternative lending solutions.