Pick the best match — this shapes which lenders apply
🏛️
Govt / PSU / Defence / MNC
Central or state govt, PSU, Defence, Railways, Listed company or large MNC — salary to bank
🏢
Private Company — PF deducted
Private employer, not listed — PF/EPFO deduction shows on salary slip
🏬
Private Company — No PF
Salary to bank but no PF/EPFO deduction on slip
💵
Cash Salary
Salary paid in cash — no bank credit, no payslip
🏪
Business Owner / Self-Employed
Shop, clinic, agency, CA, freelancer — own business
🔧
Skilled / Freelance / Daily Wage
Electrician, driver, tutor, delivery, parlour — informal income
🏪 Business Profile — 4 more questions
Business Type
What kind of business?
🩺
Doctor / CA / CS / Architect
Licensed professional — higher lender trust
🏪
Shop / Trader / Agency / Other
General business — non-professional
Business Vintage
How long has the business been running?
📅
Less than 2 years
📅
2 – 3 years
📅
More than 3 years
Annual Turnover
What is the approximate annual business turnover?
💰
Less than ₹20 Lakh/year
💰
₹20 – ₹40 Lakh/year
💰
More than ₹40 Lakh/year
GST / UDYAM
Is the business registered?
✅
Yes — GST registered
⏳
UDYAM registered only
Applied or have UDYAM certificate
❌
Not registered
ℹ️ GST / UDYAM not required — Doctors, CAs, CS, and Architects are legally exempt from GST and UDYAM registration. Lenders treat this profession as a verified category.
Step 2 of 7 — Loan Amount
How much loan does the customer need?
Choose the closest range
💰
Up to ₹50,000
💰
₹50,001 – ₹1 Lakh
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₹1 Lakh – ₹3 Lakh
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₹3 Lakh – ₹5 Lakh
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₹5 Lakh – ₹10 Lakh
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₹10 Lakh – ₹15 Lakh
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Above ₹15 Lakh
Step 3 of 7 — Age
How old is the customer?
👤
18 – 20 years
👤
21 – 24 years
👤
25 – 30 years
👤
31 – 40 years
👤
41 – 50 years
👤
51 – 60 years
👤
Above 60 years
Step 4 of 7 — PIN Code
Customer's PIN code?
Current home address — 6-digit PIN
Step 5 of 7 — Monthly Income
What is the monthly income?
Take-home amount after all deductions
💵
Less than ₹15,000
💵
₹15,000 – ₹25,000
💵
₹25,000 – ₹50,000
💵
₹50,000 – ₹75,000
💵
₹75,000 – ₹1,00,000
💵
Above ₹1,00,000
Total existing loan EMIs per month? All active EMIs — home loan, car, personal loan, credit card minimum due
✅
None — no current EMIs
✅
Up to ₹5,000/month
⚠️
₹5,000 – ₹15,000/month
🔴
Above ₹15,000/month
High FOIR — limits eligibility
Step 6 of 7 — CIBIL Score
What is the CIBIL score?
Pick the closest range — or "not known" if unsure
💡 Check free on CIBIL.com or open BHIM UPI app → Credit Score (free, no OTP)
🆕
New to Credit
Never taken a loan or credit card
❓
Has loans — score not known
We will treat as 720 (safe estimate)
📉
Below 650
📊
650 – 699
📊
700 – 719
📊
720 – 729
📈
730 – 749
✅
750 and above
Step 7 of 7 — Credit History
Has there been any settlement or write-off on the credit report?
Settlement means loan was closed for less than full amount — check CIBIL report
✅
No — clean record
🔴
Yes — there is a settlement or write-off
Any active unpaid EMI or overdue right now? Even ₹500 pending on any loan or credit card
✅
No — all accounts current
🔴
Yes — there is an active overdue
New loans or credit cards taken in the last 6 months? Count each new loan or card opened — check CIBIL or salary slips
✅
None or 1
No new loans recently
⚠️
2 – 3 new loans/cards
🔴
4 or more
Very recent credit appetite — high risk signal
Any missed or late payment in the last 12 months? Include loans, credit cards, any EMI — even 1 missed payment counts
✅
No — all on time
⚠️
Yes — missed at least one
❓
Not sure
How many loan applications in the last 30 days? Each application = 1 enquiry on the bureau report
✅
None
✅
1 – 2 times
⚠️
3 – 4 times
🔴
5 or more
Total loans and credit cards ever taken? Include closed ones — personal loan, home loan, car, credit cards, gold loan
🆕
None — never borrowed
1️⃣
Only 1
✅
2 – 3 loans / cards
⭐
4 or more
Strong credit portfolio
How old is the oldest loan or credit card? Check the oldest account on CIBIL — active or closed
Loan Match Engine