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The main factors that determine eligibility for a personal loan are:- 1. Profession: Salaried persons working in government, private or MNC companies and self-employed professionals like Doctors, CA, CS, Architects 2. Eligible Age: 21 years to 60 years 3. Minimum Income for Loan Eligibility: ₹ 25,000 per month for salaried; ₹ 5 Lakh gross annual receipts for professionals