title = "Personal Loan Eligibility (General)"

content = """
Personal loans are unsecured loans for salaried or self-employed individuals
for personal use. Eligibility is determined by income, employment stability,
credit history, and the bank's internal policy.

**Typical criteria:** Minimum age (e.g. 21 years), maximum age at maturity
(e.g. 60–65 years), minimum net monthly income, and minimum employment
tenure. Banks may require income documents (salary slips, bank statements,
IT returns) and identity/address proof.

**Credit score:** A healthy CIBIL or other bureau score improves approval
chances. Defaults or high outstanding debt can lead to rejection or
higher pricing.

**Loan amount and tenure:** The amount is usually a multiple of income
(e.g. 10–20 times monthly income) subject to caps. Tenure may range from
12 to 60 months. Interest rate and processing fee depend on risk and
product.

**Pragati Bank:** The retail agent can explain general eligibility and
documentation. Actual approval, amount, and rate are decided by the
credit team; the agent does not approve or reject loans.
"""  # noqa: E501

version = "0.0.1"
