- Permanent Employees of State / Central Government, Government / Semi-Government Undertakings & Autonomous Bodies.
- Employees on contractual basis with Central/State Govt, Government/Semi-Government Undertakings& Autonomous bodies shall be eligible, if they have been in current contractual job for a period not less than I year and the remaining contract period is longer than the chosen repayment period.
- Teachers under Rehaber-a-Taleem, J&K Govt.
- Officials under Rehaber-a Zeerat, J&K Govt.
- Pensioners both State/Central drawing their monthly salaries/pension through our bank.
- Employees of Private Limited Companies, Private Organizations, Reputed Establishments having a minimum 1 year relationship with our bank (Assets or liabilities).
- Professionals, self-employed individuals (Businessmen included) & Proprietorship Concerns, having a minimum 1 year relationship with our bank (Assets or liabilities)
- Finance under this Scheme shall also be provided to regular teachers of recognized private schools (must be permanent residents of Union Territories of J&K and Ladakh).
NOTE:Employees on Adhoc basis shall not be eligible.