Diamond Finance Solutions offers different loan products—Personal Loan (PL), Business Loan – Small, Business Loan – Big, and Project Loan—each with its own eligibility rules and document checklist.
Only service holders (Government, Semi-Government, Corporate or Private sector employees) can apply for a Personal Loan, with a minimum monthly salary of ₹10,000. Applicants need Aadhaar, PAN, proof of residence, salary slip or appointment/joining letter, last three months’ bank statement and Form 16A.
For Business Loans, the required documents depend on the loan size. A Small Business Loan (up to ₹3 lakhs) requires Aadhaar, PAN, proof of residence, three months’ bank statement, and—if available—business/shop registration and IT returns.
A Big Business Loan (₹3 lakhs to ₹10 lakhs) needs Aadhaar, PAN, proof of residence, six months’ bank statement, two years’ IT returns, balance sheet, GST registration and business registration.
Applicants seeking a Project Loan (₹10 lakhs to ₹50 lakhs) must provide Aadhaar, PAN, proof of residence, one year’s bank statement, project report, IT returns, firm registration, GST registration, audited balance sheet, projected balance sheet and an audit report. Lenders may also request additional documents such as photographs, employee ID, guarantor ID or property papers depending on the loan type and security requirements.