You can apply for as little as Rs. 15000 or as much as Rs. 2 Lac. The maximum loans amount cannot exceed 70% of the cost of household, or 12 times your net monthly salary whichever is loaner. You are charged an attractive interest rate, and you can choose to repay your loan in 6-12-24 or 36 equated monthly installments. If you are a salaried employee, your equated monthly installments will be collected directly from your employer under the check off faculty. For others, post- dated cheques will be collected.