a. Should have attained the minimum age of 18 years at the time of application. The age should not be more than 60 years at the time of loan maturity.
b. Should have a valid Indian Passport with ECNR and wherever NRI is appearing in person for submitting the application the passport should have the entry visa.
c. Should be a Salaried NRI working in Management Cadre or above, in a Government/reputed Private/MNC company abroad and drawing a regular salary of not less than USD. 60,000 p.a. or UAE Dirhams 60,000 p.a. and should have already garnered a minimum work experience of 3 year overall (domestic + overseas experience).
d. Should be currently residing in any of the following approved countries: -

North America: -

• U.S.A.
• Canada
  Middle East: -
• U A E (Dubai, Shajah, Abu Dhabi,)
• Kingdom of Saudi Arabia (Riyadh, Jeddah, Damam)
• Bahrain
• Qatar-Doha
• Muscat, Sultanate of Oman
• Kuwait, Sultanate of Kuwait
  Far East Asian Countries: -
• Singapore, Malaysia, Hong Kong, Japan, China
  Europe
• U.K (England, Ireland, Scotland) Germany, France, Italy
• Italy, Netherlands, Belgium Australia
• Australia
• New Zealand.

e. Spouses and close relatives of Non-Residents, who are residents jointly with the non-resident Indian. There is no maximum age restriction for resident co applicants.