Document Check list
KYC Documents
- PAN Card of borrower/co-borrower
- Aadhaar Card / Passport / Voter ID
- Passport-size photographs
- Address proof (if different from Aadhaar)
Income Documents (Salaried)
- Latest 3–6 months salary slips
- Form 16 (last 2 years)
- Latest 6–12 months bank statements (salary account)
- Employment proof / ID card
Income Documents (Self-Employed / Business Owners)
- Latest 2–3 years Income Tax Returns (ITR) with computation
- Balance Sheet & Profit/Loss statements (CA certified/audited if applicable)
- GST returns (if applicable)
- Current account bank statements (6–12 months)
- Business proof (Shop Act, GST certificate, incorporation docs, etc.)
Property Documents (For Mortgage / LAP)
- Sale deed / Title deed (chain documents)
- Encumbrance certificate
- Property tax receipts
- Approved building plan
- Occupancy certificate (if applicable)
- Society documents (Share certificate / NOC)
- Latest utility bills (electricity/water)
Loan / Financial Documents
- Existing loan statements (if any)
- Credit report (CIBIL or bureau report, often self-declared or lender pulled)
- Details of ongoing liabilities