This facility is extended, keeping in view the prospective increase in income of the Borrowers, and is available to people who have good prospect of future increase in income, viz., young Professionals/Executives who are less than 35 years of age.

This facility envisages flexible mode of repayment through Stepping up of EMI during the tenure of loan. Under this Facility, the EMI will initialy be fixed at a lower amount; this would be changed twice (i.e., on the 6th and the 11th year) during the Loan Tenture (15 years); the rate at which the EMI will be stepped-up in the 6th and 11th years would be at 10/15/20 % of the initial EMI as preferred by the Applicant.