Corporate Employer Category Classification
Super Cat-A & MNCs
Top MNCs & Fortune 500
Employees of Google, Microsoft, TCS, Infosys, Amazon, and Tata Group enjoy the lowest interest rate slab (9.99% - 11.50%), zero processing fee concessions, and instant paperless disbursal.
Govt & PSUs
Central & State Govt / Defense
Government officers, railway personnel, and defense staff qualify for special sovereign lending terms primarily through Axis Bank and HDFC Bank with minimal processing charges.
Private Ltd & Startups
Mid-Sized Private Firms
Professionals in growing startups and unlisted private companies can access funding up to ₹15 Lakhs through tech-enabled NBFC partners like InCred and IDFC FIRST Bank.
Estimated Eligibility by Monthly Salary
| Net Monthly Salary | Approx. Maximum Loan Amount | Recommended Tenure | Best Suited Bank |
|---|---|---|---|
| ₹25,000 - ₹35,000 | ₹3 Lakhs to ₹7 Lakhs | 3 to 4 Years | InCred / IDFC FIRST |
| ₹35,000 - ₹60,000 | ₹8 Lakhs to ₹15 Lakhs | 4 to 5 Years | HDFC Bank / ICICI Bank |
| ₹60,000 - ₹1,00,000+ | ₹18 Lakhs to ₹35 Lakhs | 5 to 6 Years | HDFC Bank / Axis Bank |
| ₹1,50,000+ | Up to ₹50 Lakhs - ₹1 Crore | Up to 7 Years | IDFC FIRST Bank |