Instant Loan Eligibility

At Rohini Financial Services, we make it easy for you to get access to quick funds whenever you need them. Our Instant Loans are designed for individuals and business owners who need fast approval, minimal documentation, and instant disbursal.
Before applying, it’s important to understand the eligibility criteria — so you can ensure a smooth and hassle-free approval process.

Who Can Apply for an Instant Loan?
Our Instant Loans are available for:
Salaried professionals working with private or government organizations
Self-employed individuals and business owners with regular income
Professionals such as doctors, consultants, freelancers, and small entrepreneurs
Whether it’s for personal use, emergency expenses, or business needs, our Instant Loans are designed to support your financial goals.

Instant Loan Eligibility Criteria
To qualify for an Instant Loan with Rohini Financial Services, you’ll need to meet the following conditions:
1. Age Requirement
Minimum age: 21 years
Maximum age: 60 years (at the time of loan maturity)
2. Income Stability
Salaried applicants: Minimum monthly income of ₹20,000–₹25,000 (varies by location).
Self-employed applicants: Regular monthly income with consistent business cash flow.
3. Employment Type
Salaried: Must be employed for at least 6–12 months in the current organization.
Self-employed: Should have a minimum 1–2 years of business continuity.
4. Credit Score
A CIBIL score of 700 or above is preferred for faster approval and better loan terms.
Applicants with a lower score may still be considered based on income stability and repayment history.
5. Residence Stability
Applicant should have a stable residential address (owned, rented, or family-owned) with verifiable proof.
6. Documentation
Basic KYC documents (PAN, Aadhaar)
Latest salary slips or ITRs
Bank statements (last 3–6 months)