| Property | Registered GPA | Sale Deed/Conveyance Deed | New Registeration of Property in Sub Registrar Office (Regularized Colony) |
| Loan Amount | 3-5Lac | 5-10Lac | 1 to 5 Lac |
| Top of Loan Amount | not before 18 Month | Not before 12 months | After submission of Original Property paper with Mufin |
| Rate of Interest | 20 % reducing | 18 % reducing | 21% reducing |
| Processing Fee | 2% | 2% | 3% |
| Loan Tenure | 1-3 years | 2- 7 years | 1- 4years |
| | | | |
| KYC of Customer/Co-applicant | required | required | Required |
| Banking | 1 year | 1 year | 1 year |
| Latest 2 years ITR | required | Mandatory | Affidavit/required |
| GST Certificate | Required | Mandatory | Required if available |
| Property Paper | Registered GPA and earlier chain required | Original Sale deed and Conveyance deed required | Original Sale deed required |
| Property Owner | To be taken on loan | To be taken on loan | To be taken on loan |
| Lady co-applicant | required | required | yes required |
| | | | |
| Cibil Score | Above 600 with no writ off and deliquency | Above 600 with no writ off and deliquency | Above 600 with no writ off and deliquency |
| Tele verification | Positive | Positive | Positive |
| Field Investigation of Residence and office | Mandatory | Mandatory | Mandatory |
| Legal report and title search | Required | required in all cases from Advocate | not required |
| Valuation Report | Required (Affidavit) | required in all cases from valuator | Affidavit |
| Vetting Report | Required | required in all cases from Advocate | Original to be collected from Sub registrar office |
| Personal Discussion | By credit | By credit | By credit |
| Cash flow analysis | Mandatory | Mandatory | yes |
| Pre-Sanction/Post Sanction Docs | Required | Required | Required |
| Loan to Income Ratio | Not to exceed 40% | Not to exceed 40% | Not to exceed 40% |
| Income to expense analysis | Yes | Yes | yes |
| Current obligation/loan Check | Mandatory | Mandatory | mandatory |
| Existing loan track check | Yes | Yes | yes |
| Cheque bouncing checking of last 6 month in bank statement | Yes | Yes | yes |
| | | | |
| Registered Mortgage | Not Applicable | Case to case basis | Not required |
| Guarantor | Case to case basis | Not Required | not required |
