During onboarding, Groww conducts your KYC and submits it to the central repository, linking it to your PAN and Date of Birth. If you're having trouble fetching your CKYC, verify your PAN and DOB.
For loan eligibility, we require an annual income of over 3 Lakhs. We use the income you self-declared during onboarding. If your income has changed, as long as it's still above 3 Lakhs per annum, you're eligible.