Credit Saison Loan

Credit Saison Loan Documents Required

Loan documentation varies by product, but common documents include:

• Identity Proof: PAN, Aadhaar
• Address Proof: Utility bills, Aadhaar
• Financials: Salary slips, bank statements, ITRs (for self-employed)
• Business documents: GST certificate, trade license (for business or vyapari loans)
• Property documents for secured loans like Home Loan or Loan Against Property

Types of Loans Offered by Credit Saison

Credit Saison serves multiple borrower segments with these major loan categories:

1. Credit Saison Business Loan

Credit Saison offers flexible, collateral-free business loans up to ₹75 lakh for entrepreneurs, SMEs, and growing companies to support business expansion, working capital needs, equipment purchases, or digital transformation.

Key Features

Eligibility Criteria for Credit Saison Business Loan

• Age: Applicant should be between 23 and 60 years
• Business Vintage: Minimum 3 years of operations preferred
• Business Type: Proprietorship, Partnership, LLP, Pvt Ltd or Public Ltd Company
• Turnover: Minimum 25 Lakhs annually
• CIBIL Score: 650+ recommended

Documents Required for Credit Saison Business Loan

• Identity Proof: PAN Card, Aadhaar Card, Passport, or Voter ID
• Address Proof: Aadhaar, Passport, or Driving License, Trade License
• Business Proof: GST registration, Udyam certificate, trade license
• Financial Documents: Last 6–12 months bank statements, ITRs, or audited financials and GST Returns

Suggested Read: Know more about Business Loans

2. Credit Saison Small Business Loan

The Small Business Loan from Credit Saison is customised for startups and small-scale enterprises looking for quick funding. With loan amounts up to ₹15 lakh and a fully online process, these loans are ideal for managing operational costs, inventory, or short-term investments.

Key Features

Eligibility Criteria for Small Business Loan

• Applicant Age: Between 23 and 60 years
• Business Type: Proprietorship, Partnership, or Company
• Business Age: Preferably at least 2 year of operations
• Turnover: Minimum 25 Lakhs annually
• CIBIL Score: Preferably 650+

Documents Required for Small Business Loan

• KYC Documents: PAN Card, Aadhaar Card, Passport
• Address Proof: Passport, Aadhaar Card, Driving License, Trade License,Udyam Certificate.
• Business Registration Proof: GST Registration Certificate, Trade License
• Income Proof: Last 6-12 months Bank Statement, Certified Copies, GST Returns

Suggested Read: Know more about Small Business Loans

3. Credit Saison Doctor Loan

Credit Saison provides collateral-free doctor loans with attractive interest rates, minimal paperwork, and fast disbursal to support medical professionals in expanding clinics, purchasing equipment, or managing working capital needs.

Key Features

Eligibility Criteria for Credit Saison Doctor Loan

Applicants should meet the following general requirements:

• Age: Typically between 25 and 60 years
• CIBIL Score: 700 and above
• Annual Gross Receipts: Minimum 10 Lakhs

Documents Required for Credit Saison Doctor Loan

To apply for a Doctor Loan, prepare the following:

• Identity Proof: PAN card, Aadhaar card, Passport, or Voter ID
• Address Proof: Passport, Aadhaar Card, Driving License, Trade License
• Professional Proof: Degree Certificate, Medical Council Registration Certificate, Business address proof
• Income Proof: Last 6-12 months Bank Statement, Income tax returns, GST Returns

4. Credit Saison Vyapari Loan

Credit Saison offers the Vyapari Loan for shopkeepers, traders, and small merchants. This product features minimal documentation, fast approval, flexible tenures, and competitive interest rates especially suited for micro and small businesses across India.

Key Features

Eligibility Criteria for Credit Saison Vyapari Loan

While Vyapari Loans are designed to be inclusive, typical eligibility requirements include:

• Age: Between 23 and 60 years
• Business Entity: Proprietorship, Partnership, LLP, or Company
• Turnover: ₹25 lakhs per annum
• CIBIL Score: Typically 650 and above

Documents Required for Credit Saison Vyapari Loan

• Identity Proof: PAN, Aadhaar, Passport, or Voter ID
• Address Proof: Passport, Aadhaar Card, Driving License, Trade License
• Business Proof: Trade License, Udyam Certificate
• Financials: Bank statements for the last 6–12 months, Certified Copies, GST Returns

5. Credit Saison Home Loan

Credit Saison offers a flexible home loan up to ₹50 lakh with attractive interest rates, extended repayment tenures of up to 20 years, and simplified documentation, helping individuals purchase, build, or renovate their dream home quickly and affordably.

Key Features

Eligibility Criteria for Credit Saison Home Loan

While specific eligibility metrics aren’t fully detailed online, typical requirements include:

• Applicant age: 21 years (18 years for non-earning, co-borrower)
• If salaried, 60 years or retirement age, whichever is earlier.
• If self-employed, then 65 years. Non financial co-applicant can be 75 years at the time of loan closure.
• CIBIL score: 650 and above
• Income: ₹15000 per month

Documents Required for Credit Saison Home Loan

For Salaried Individuals

• Application Form: Duly filled and signed loan application form and passport-size color photographs
• KYC Documents: PAN Card, Aadhaar Card, Driving License, Voter ID, or Passport
• Proof of Employment: Last 3 months’ salary slips or an appointment letter
• Bank Statements: Last 6 months’ bank statement and latest Form 16
• Existing Loan Details: Information and track record of any existing loans

For Self-Employed / Non-Individual Applicants

• Application Form: Duly filled and signed loan application form and passport-size color photographs
• Business Documents: Business registration proof.
• Business Address Proof: PAN Card, Aadhaar Card, Driving License, Voter ID, or Passport
• Company KYC: PAN Card for partnership or LLP firms
• Financial Statements: Income Tax Returns for the last 2 financial years. Audited/CA-certified Balance Sheet and Profit & Loss Account
• GST Registration Certificate: Required if the loan amount exceeds ₹5 lakh
• Bank Statements: Last 6 months’ bank account statement or passbook
• Existing Loan Details: Information and track record of all existing loans

6. Credit Saison Loan Against Property

Credit Saison offers secured Loan Against Property (LAP) by allowing borrowers to pledge residential or commercial property. This product provides higher loan amounts, longer tenures, and lower interest rates compared to unsecured options, making it suitable for financing business growth, education, or personal needs

Key Features

Eligibility Criteria for Loan Against Property

To apply for a loan with Credit Saison, applicants must meet the following general requirements:

• Age: 21 years minimum (18 for co-borrower), up to 60 years for salaried and 70 years for self-employed.
• Take-Home Salary: ₹2 lakh p.a. and above for Tier 1 cities, ₹1.5 lakh p.a. and above for other locations.
• Work Experience: Minimum 1 year in the current job or business.
• CIBIL Score: Minimum score of 650 or above.

Documents Required for Loan Against Property

For Salaried Individuals

• Application Form: Completed and signed with passport-size photo.
• KYC Documents: PAN, Aadhaar, Driving License, Voter ID, or Passport.
• Employment Proof: Salary slip or appointment letter.
• Bank Statement: Last 12 months' bank statements and latest Form 16.

For Self-Employed / Non-Individuals

• Application Form: Completed and signed with passport-size photo.
• Business Documents: Registration proof, PAN, Aadhaar, electricity bill, or passport.
• Business Address Proof: If not mentioned in business documents.
• Company KYC: PAN Card for Partnership/LLP firms.
• Financials: ITR, profit and loss statement, and balance sheet for last 2 years.
• GST Certificate: Required if loan exceeds ₹5 lakh.
• Bank Statements: Past 12 months.

Steps to Apply for a Credit Saison Loan Online

Applying for a loan from Credit Saison is simple and fully digital. Follow the steps below to check your eligibility and complete your application:

1. Visit the Website: Go to creditsaison.in and choose your desired loan product.
2. Fill the Eligibility Form: Enter your name, contact details, loan amount, and location info in the "Check Your Eligibility" form.
3. Agree to Terms: Tick the consent box to accept Credit Saison’s Terms & Conditions and communication policy.
4. Click "Apply Now": Submit the form to proceed with your application.
5. Upload Documents: Provide necessary KYC and income documents online.
6. Get Approval & Disbursal: If eligible, receive approval within 48 hours and get the funds disbursed to your account.

Credit Saison Loan Contact Details

For any loan-related queries, support, partnership opportunities, or grievance redressal, you can reach out to Credit Saison through the following official channels:

Corporate Office

Address:

Unit No. 301, 3rd Floor, Mantri Avenue,

KHB Games Village, Koramangala,

Bengaluru, Karnataka – 560047

Customer Support