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1.The Co-applicant’s income for salaried individuals should be minimum Rs. 10,000/- per month Net in hand.
2.Only first blood can be a co-applicant, like father, mother, brother & sister. Maximum three co-applicant provided they qualify for minimum salary criteria can be considered.
3.For business income minimum 1.5 lacks of I.T.R of last two years.
4.Paternal & maternal uncle or aunt or in laws can be one of the co-applicant , provided any of the first co-applicant must qualify basic criteria.
5.In that case one needs to do a collateral to avail the loan facility. This Collateral can be Fixed Deposit, saving bonds, insurance policy provided having surrender value, plus house or other assets.
6.On an Average one gets 15 times of salary income or two times of the ITR in case of business income as loan.
7.For International Studies a student can get maximum loan of 20 Lacs & for studies in India a maximum of 15 Lacs.
8.The Moratorium period is of two years or first job which ever comes first & maximum repayment period is 7 yrs.
9.Applicable ROI is in between 11-19 % and processing fees is 1% ( however these terms depend from bank to bank ). | 
