To apply for an e-loan, policyholders must meet the following requirements:  Policyholders can apply for e-loan only if their polices are active, and they have completed the full premium payment of at least 3 years and after completion of 3 years from the date of commencement of policy.  The policyholder’s KYC details (like name, policy number, date of birth, and contact number) must match exactly with the records in IME Life’s internal system.  A verified bank account must be provided during KYC registration.  If there is any outstanding loan or unpaid interest on the policy, the e-loan process cannot proceed, as per the policy terms and conditions.