Reproduction of news articles, photos, videos or any other content in whole or in part in any form or medium without express writtern permission of moneycontrol. After some days, his friend Aman faced a money crunch.

Aman, working with 3i Infotech and earning Rs 50, per month when applied for a personal loan in the same bank, his loan got approved at an interest rate of How To List Company In Bank So, what was the metrics behind this calculation? It was nothing else but the company they were working for that decided the rate of interest. Banks in India have segregated companies into listed companies and non-listed ones.

These are divided into certain categories basis the company profile. Non-listed companies are the ones that are not recorded anywhere. This is the reason Rahul was considered a hot lead as compared to Aman and offered a lower interest rate. I hope we have the basics clear now. Effect on loan eligibility: Your employer would also be a crucial factor in deciding whether you are eligible for a loan or not.

The customers enjoy lower interest rates, exemptions in the processing fees and longer tenures if they Kwik Way Manufacturing Company under some listed company.

According to the statistics, out of these categories, Super A, and Cat A avail maximum offers. For instance, if there are a total of 33, companies listed with a financial institution, then out of this only are Super A and Cat A organizations where workers appreciate unique offers. Employees of Super A companies in some cases may also avail lowest interest rates that is But NBFCs calculate the eligibility of these customers basis their salary and repayment How To List Company In Bank.

The credit history and the profile of the customer are also considered Intelius Company approving the loan. Fullerton India, another NBFC, Plaintiff Company the eligibility on the basis of the salary, the bank balance and credit history of the customer.

It does not take into account the employer status of the client. Job stability counts: When you apply for a personal loan, your job stability also plays a significant role. Banks and NBFCs consider those employees eligible for the loan having an experience of minimum one year. But again Super A and Diamond companies come as an exceptional case.

But if one is working in some other company, then one year experience is a must. Your employer status is a vital element of your loan application. A customer always looks primarily for two aspects, loan amount, and interest rate. Your employer status affects both of these. To conclude banks are the best for the employees of listed companies, and NBFCs prove to be better for non-listed companies' employees. Register Now! How does your employer status decide your loan eligibility? Post-note ban 44, jobs were lost in Maharashtra in Survey.

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