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Loan Documents Checklist

Complete document list for every loan type. Salaried & Self-employed — find out exactly what you need before applying.

🏠 Home Loan Documents

Documents required for purchasing a new home, resale property, or construction.

📋 KYC Documents

  • PAN Card (mandatory)
  • Aadhaar Card
  • Passport / Voter ID / Driving License
  • Passport size photographs (2-3 copies)

💰 Income Proof

  • Last 3 months salary slips
  • Form 16 of last 2 years
  • ITR of last 2 years (if available)
  • Salary account bank statement — last 6 months

🏠 Property Documents

  • Sale agreement / Builder buyer agreement
  • Title deed chain (for resale properties)
  • Approved building plan
  • NOC from society / builder
  • Property tax receipts (resale)
  • Allotment letter (for under-construction)

📑 Other Documents

  • Existing loan statements (if any)
  • Processing fee cheque

📋 KYC Documents

  • PAN Card (mandatory)
  • Aadhaar Card
  • Passport / Voter ID / Driving License
  • Passport size photographs

💰 Income Proof

  • ITR of last 3 years with computation
  • Audited Balance Sheet & P&L of last 3 years
  • Business bank statements — last 12 months
  • GST returns — last 12 months
  • Personal bank statements — last 6 months

🏢 Business Proof

  • Business registration certificate / Shop Act / GST certificate
  • Partnership deed (if partnership firm)
  • MOA & AOA (if Pvt Ltd / LLP)
  • Office address proof

🏠 Property Documents

  • Sale agreement / Builder buyer agreement
  • Title deed chain
  • Approved building plan, NOCs
  • Allotment letter / Possession letter

🏢 Loan Against Property (LAP)

Documents for borrowing against your residential or commercial property.

📋 KYC & Income

  • PAN, Aadhaar, photos
  • Last 3 months salary slips
  • Form 16 — last 2 years
  • Bank statement — last 6 months

🏠 Property Documents (to be mortgaged)

  • Original title deed (chain of ownership)
  • Approved building plan / Layout plan
  • Property tax receipts — last 3 years
  • Society NOC / NA order
  • Electricity bill (latest)
  • Valuation report (arranged by bank)

📋 KYC & Income

  • PAN, Aadhaar, photos
  • ITR — last 3 years with computation
  • Audited financials — last 3 years
  • Business & personal bank statements — last 12 months
  • GST returns — last 12 months

🏢 Business Proof

  • Business registration / GST certificate
  • MOA, AOA, Partnership deed (as applicable)

🏠 Property Documents

  • Original title deed (chain of ownership)
  • Approved building plan, NA order
  • Property tax receipts
  • Society NOC, electricity bill

💼 Business Loan / Working Capital

Unsecured business funding for working capital, expansion, or equipment purchase.

📋 KYC Documents

  • PAN Card (proprietor & firm)
  • Aadhaar Card
  • Passport size photos
  • Address proof of business

🏢 Business Proof

  • GST Registration certificate
  • Business registration / Shop & Establishment / Udyam Aadhaar
  • Partnership deed / MOA & AOA (as applicable)
  • Business continuity proof — 3+ years vintage required

💰 Financial Documents

  • ITR — last 3 years with computation
  • Audited Balance Sheet & P&L — last 3 years
  • GST returns — last 12 months
  • Business bank statements — last 12 months
  • Existing loan statements (if any)
  • Sales/Purchase data, debtors-creditors list

✈️ NRI Home Loan

Documents for NRI/PIO applicants buying property in India.

📋 KYC Documents

  • Valid passport with visa & immigration stamps
  • Overseas address proof (utility bill / driving license)
  • Indian address proof
  • PAN Card
  • Recent passport size photographs
  • OCI / PIO Card (if applicable)

💰 Income Documents

  • Employment contract / Offer letter
  • Latest salary certificate / pay slips — last 3 months
  • Last 2 years overseas tax returns / W-2 / Form 16 equivalent
  • Overseas bank statement — last 6 months
  • NRE / NRO account statement — last 12 months
  • Credit report from country of residence (if available)

🏠 Property Documents

  • Sale agreement / Builder buyer agreement
  • Title deed chain
  • Approved building plan, NOCs

📑 Power of Attorney

  • POA in favour of a trusted Indian resident (mandatory for most banks)
  • POA must be notarized & apostilled / consularized

👤 Personal Loan

Quick unsecured loan for any personal need — minimal documentation.

📋 KYC Documents

  • PAN Card
  • Aadhaar Card
  • Passport / Voter ID
  • Recent passport size photo

💰 Income Proof

  • Last 3 months salary slips (salaried)
  • Form 16 — last 2 years (salaried)
  • ITR — last 2 years (self-employed)
  • Bank statement — last 6 months

📑 Other

  • Address proof (electricity bill / rent agreement)
  • Existing loan statements (if any)

Need help arranging documents?

Our team will guide you through every document. We even pick up documents from your office/home in Ahmedabad.

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