1. Salaried persons satisfying the following conditions
2.  
   1. Individual aged between 21 years and 55 years
   2. He / She is a permanent employee of :
   3.  
      1. State / Central Government, the Defence / Police force or Autonomous Body.
      2. A public sector / joint sector undertaking or a Corporation.
      3. Reputed Public Limited Company.
      4. An established education institution / aided college / school.
      5. Any private establishment coming under the perview of Provident Fund / Gratuity Act. 
   4. He / She has a minimum service, so as to ensure that the entire liability is liquidated at least one year prior to his / her retirement.
   5. He / She should have sufficient net take home salary to service the present the loan applied for.
   6.  
      1. The salary of the applicant should be credited to his / her account with the branch and he / she should give a letter in duplicate addressed to the employer undertaking not to revoke the Salary Mandate, without obtaining consent from the Bank. This letter should be sent by Registered Post by the branch to the employer and proof of despatch should be held on record. OR
      2. Where the employer has no system of remitting the salary of his staff members for the credit of their bank accounts, loans can be granted by taking an undertaking from the employer to deduct the monthly instalments / interest from the salary and to remit the same to the Bank till they hear to the contrary from the Bank.
3. Pensioners drawing Service Pension (RPR, Family Pensions etc.) through our Bank aged not more than 70 years

Professionals & Self Employed Persons such as Doctors, Engineers, Architects, Chartered Accountants, Lawyers, Consultants, Agriculturists, Business-men etc. aged not more than 65 years having independent income.

• Where the salary is being remitted by the employer for the credit of SB / C.A/c of the beneficiary and the mandate on salary is served on the employer with due acknowledgement 
  OR

• Where the employer has undertaken to remit the instalments till he will hear to the contrary from the Bank
  -- 12 months average net take home salary with a ceiling of 5 lakhs.

• In case of Non-salaried persons
  -- twice the annual income as per latest Income Tax Assessment Orders / Copy of returns filed, subject to a maximum of Rs. 2 lakhs.

• For Pensioners
  -- 12 months gross pension with a maximum pension of Rs.1.00 lakh.

• Term Loan - for a period repayable more than 24 months
• Demand Loan – for a period repayable in 24 months or below.
• Operative Limit – Cash Credit [Miscellaneous] or Demand Loan with a ceiling of Rs 2.00 lakhs in either case (to only non Salaried persons).

• Entire loan has to be repaid with interest in not more than 48 equated monthly installments.
• Operative Limit – Limit may be fixed for 18 months renewable after review.

• Regularly run Pronote Loan can be renewed at any time after 18 months to avail additional amount of loan.
• OD (M) may be reviewed after 18 months.