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Lending partners typically assess age, income stability, employment type, city of residence, existing obligations and credit history. Each partner sets its own thresholds, so eligibility on ShivLoans is only indicative.\n\nCommon factors:\n- Age band, usually between 21 and 60 years\n- Minimum monthly income, which varies by city and partner\n- Employment type: salaried or self-employed\n- Fixed obligations to income ratio\n- Credit history and repayment track record\n\nShivLoans does not assess or approve applications. Eligibility checks on this site help you shortlist options; the lending partner makes the final decision.
Personal Loan · 6 min read
Personal Loan Eligibility Explained
What lending partners typically look at when assessing a personal loan application in India.
ShivLoans is a loan marketplace and does not itself provide loans. Loan offers are provided by RBI-registered lending partners and are subject to their eligibility criteria, credit assessment and terms.
Who Provides Your Loan?
ShivLoans does not provide, sanction or disburse loans. We operate as a digital marketplace that helps customers discover and connect with lending partners. Loan products available through the platform are offered by the respective lending partners, which may include RBI-registered banks/NBFCs or other regulated entities, subject to applicable requirements.
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