I wanted to apply for Personal Loan for my present requirement, when I approached Axis Bank, one of the executives told me that I have to be a graduate, but whereas I am a Diploma holder in Engineering and I am working as a Senior Section Engineer (just one rank below gazetted officer) in Indian Railways. I told them that I have put a service of 20 yrs and net home is more than what many arts and science graduates get in central government jobs, in-spite of that, they insisted on me being graduate. Next I approached Fullerton India for the personal loan through filling up forms in ApnaLoan.com, they called me and asked for the details of employment, when I told that I'm working in Railways they simply told that they are not giving loan for Railway Employees.
I feel that these people are living in a myth that the persons from software industry and graduates only repay their loan.
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