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Suppose you are self employed  with maximum income as liquid income. In this case bank can appraise the loan application under loan property liquid income program in urban cities in India.

Many small units are placed and they are doing well  but the fact will always remain the same. They are doing well but as per bank laws and policies, they might not be eligible for loan because of insufficient bank transaction or low income ITR. If banks do not have liquid income program then most of the SME or self-employed customers are  declined due to low income reason.

Majority of the lower middle class SME segments in Pune:

Biggest challenge in LIP is the uncertainty of availing proper credit validation of customers. There are six types of property available in Pune which are approved by different approval authority. 1st is NA property which is proper approved by district Collector, 2nd is call as Gunthewari which is approved by municipal corporation.