Unity SFB Personal Loan Eligibility

The eligibility for the Unity SFB Personal Loan available on Bajaj Markets is based on clear financial and personal criteria set by the lender. These checks help determine whether your income, age, and credit profile match the loan requirements. Knowing these conditions early helps you apply with confidence and avoid unnecessary rejections.

To be considered for a Unity SFB Personal Loan on Bajaj Markets, you must meet the below given basic eligibility conditions:

• You must be between 23 and 55 years of age
  

• Your CIBIL score should be above 675
  

• Salaried applicants must have a minimum monthly income of ₹20,000
  

• Self-employed applicants must have an annual turnover of at least ₹24 Lakhs (This applies only under the Amber offer)

If you apply under the Amber offer, you need to submit a bank statement for the last 6 months. Further documents may be requested during verification, based on your profile.

Several factors influence how your application is assessed beyond the basic Unity SFB loan eligibility conditions. 

Here are some factors you should know:

• Credit score and repayment history

A CIBIL score above the minimum threshold indicates responsible credit behaviour

• Age at the time of application

Your age must fall within the lender’s defined range to ensure repayment capacity

• Income level or business turnover

Stable monthly income or sufficient annual turnover supports your ability to repay

• Employment type

Eligibility checks differ for salaried and self-employed applicants, especially under specific offers

• Banking behaviour

Regular transactions and a stable account balance reflect financial discipline

If you do not fully meet the requirements, a few practical steps can improve your eligibility over time. These can improve your chances when applying for a Unity SFB Personal Loan and reduce the risk of rejection.

You should:

• Maintain a healthy credit score by paying EMIs and credit card dues on time
  

• Avoid multiple loan or credit card applications within a short period
  

• Ensure your income or turnover records are accurate and consistent
  

• Keep your bank statements clean, with minimal cheque bounces or irregularities
  

• Apply for a loan amount that aligns with your repayment capacity