Salaried Individuals:

• Above 21 years of age
• Permanent employment with a central or state government institution or a profit-making company or a reputed organization
• Minimum tenure of three years of service with the current organization
• At least two years of  service remaining
• Minimum net monthly income of Rs. 7,500

Professionals:

• Between 21 – 50 years of age
• Doctors, dentists, engineers, architects, chartered accountants, cost accountants, company secretaries and management consultants, practising for at least three years
• Minimum net annual income of Rs. 2.5 lakh (as per IT return)

Self employed:

• Between 21 – 50 years of age
• Self employed for at least three years
• Minimum net annual income of Rs. 2.5 lakh (as per IT return)

• Upto Rs. 50,000 – Nil.
• Above Rs. 50,000 – third party guarantee or tangible collateral such as real estate, national savings certificate (NSC), FDR, Gold, government securities or bonds, insurance policies, or post dated cheques.

• Apply

• Loan amount between Rs. 5,000 and Rs. 1 lakh
• Amount of loan derived by multiplying the maturity value with an appropriate discounting factor
• No repayment necessary – if the loan is not repaid before the maturity of leveraged investment tool (NSC or KVP), a monthly interest would be applied to the loan account till the due date of tool and the Bank would collect the maturity value by surrendering the certificate to postal authorities

• Only for individuals
• Not applicable for minors
• NSC issued by non-local post office will also be entertained.

• Original NSC / KVP certificate in the name of the borrower duly discharged without date.
• Cash voucher duly signed. Set off form in the case of advance against deposit.
• For pledge of NSC securities, application in the prescribed form duly signed by transferor and transferee addressed to the Post Master from where NSC certificate has been issued. The same has to be registered in Bank's name with endorsement transferred as security to enable the Bank to collect the proceeds on maturity
• Any one of the following – savings account, passport, identity card, salary certificate, form 16A, copy of income tax return

• Apply

• Loan amounts between Rs. 10,000 and Rs. 50,000 (upto Rs. 1 lakh for existing DPJHLA borrowers)
• Maximum loan amount four times of net take home pay for salaried persons and 50% of net income (as per latest IT return) for professionals and self employed
• Loan for the purchase of refrigerators, washing machines, furniture, audio/video systems, computers, air-conditioners, coolers, colour TV, kitchen equipment and two-wheelers.
• Repayment tenure of 35 months instalments or active future service of employment, whichever is lower

• Between 21 – 55 years or age
• Permanent employees of central or state government institutions, reputed companies, firms, educational institutions and professionals and self employed
• Applicant should be Income Tax assessee with an annual gross income of over Rs. 75,000/-
• For existing home loan borrowers, loan amount would be restricted to the paid up value of the existing housing loan, in addition to other usual norms

• An employment letter from the employer
• Post-dated cheques
• A letter of consent from a guarantor or spouse, who also is a tax assessee
• Undertaking from employer or post-dated cheques towards repayment of loan
• Co-obligation of a person of equal means or status, or spouse, if spouse is employed. (Waived in the case of IT assessees having stipulated income)

• Apply

Loan Amount is 50% of share value which is based on the following (whichever is lower):

• Market value of the scrip
• 52-week average value

Tenure:

• Minimum period of 3 months and a maximum period of 24 months

• Select demat shares as approved by Dhanlaxmi  Bank from time to time

• Share certificates
• Substitution of shares: Permitted only from the list of shares approved by the Bank, subject to all instalments being remitted regularly (not in lump sum) and subject to 50% margin

• Apply

• Loan amount determined by computing DSCR of maximum 1.25:1 for individuals and 1.30 for corporations.
• Minimum loan amount of Rs. 1 Lakh

• Rent agreement with a minimum residual validity of one year
• Type of lessees – public sector units, bank, multinational corporations, government undertakings and departments and limited companies

Primary:

• Assignment of lease rentals
• Collateral security (200%) property will be required with a suitable tripartite agreement. A power of attorney (POA) in favour of the bank should be registered for collecting the rent (if necessary).

• Apply

• Conversion factor multiplied by maturity value of Bond
• For Promissory Note – Lien to be noted.
• For Demat – transfer necessary in the Bank’s name

• Pledge of bonds

• Apply

• For overdraft up to Rs. 2 lakh, the applicable interest rate will be BPLR-6% (currently 9% per annum)
• For overdraft above Rs. 2 lakh under agriculture sector, interest rate will be BPLR-4% (currently 11% per annum)
• The facilities would be reviewed annually
• Loan tenure of 12 months
• Repayment through bullet payments including interest

• Individuals, proprietorships, and partnership firms can avail the loan against gold ornaments owned by the individual, proprietor or any partner of the firm

• Apply