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Personal Loan
Personal loan eligibility
What lending partners typically assess when they evaluate 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.
Factors partners commonly assess
Age
Most partners consider applicants between roughly 21 and 60 years, with their own bands.
Income
A minimum net monthly income is usually required and often varies by city.
Employment type
Salaried and self-employed profiles are assessed on different documentation.
Existing obligations
Current EMIs relative to income affect the amount a partner may consider.
Credit history
Repayment track record is a core input to a partner's credit decision.
Location
Partners serve specific cities and pin codes for physical or digital verification.
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.
Read the full disclaimer