Kashmiri to English:
یہِ چھُ عموٗمَن یَتھ کَتھِ پٮ۪ٹھ مبنی زِ تو٘ہِ کِتھہٕ پٲٹھہِ کٔرِو مالیٲتی اِدارچہِ ذٲتی قرضہٕ باپت اہلِیتچہِ ضرورِیات پوٗرٕ ۔
It is usually based on how you fulfill the personal loan eligibility requirements of the financial institution.