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Non-Resident Indians (NRIs) holding Indian passport or Persons of Indian origin (PIOs) holding foreign passport, singly or jointly. For this purpose Person of IndianOrigin means a citizen of any country other than Bangladesh / Pakistan / Sri Lanka /Afganistan / China / Iran/ Nepal & Bhutan if –
However, loan should be liquidated by the age of 60 years or the age of retirement
whichever is earlier .