| List of Documents required from all applicants | Proof of Identity (any one):Aadhar CardValid Driving LicenseVoter IDValid PassportPAN Card |
| Proof of Residence (any one) | Copy of Electricity bill/Water Bill/Telephone BillValid PassportAadhar CardDriving LicenseVoter ID CardDuly filled loan application form affixed with 3 passport size photographs of all the applicants/co-applicants and signed across |
| Proof of Income for Salaried Applicants/Co-applicants | Salary slips or salary certificate for the previous 3 monthsBank statements showing salary credits for the previous 6 monthsIncome Tax Returns and latest Form 16 |
| Proof of Income for Self-employed Applicants/Co-applicants | Balance Sheet and Profit & Loss account statements along with the Schedules/Annexures of the applicant and the business entity for the last 3 years (attested by a certified CA)IT Returns and the computation of income for the previous 3 assessment years of both the applicant and the business entity (attested by a certified CA)Bank account statements of the individuals and the business entity for the last 6 months |
| Proof of Income for Salaried Non-Resident Indian (NRI) Applicants/Co-applicants | Copy of Employment ContractSalary slips or certificates for the last 3 monthsBank statements showing salary credits for the last 6 monthsBank statements of the Non-Resident External (NRE)/Non-Resident Ordinary (NRO) accounts in India for the last 6 monthsConsumer Credit Check Report |
| Proof of Income for Self-employed Professional NRI Applicants/Co-applicants | IT Returns and the computation of income for the previous 3 assessment years of both the applicant and the business entity (attested by a certified CA)Balance Sheet and Profit & Loss account statements along with the Schedules/Annexures of the applicant and the business entity for the last 3 years (attested by a certified CA)Bank statements of the applicant current NRE/NRO account in India for the last 6 monthsAccount statements of the business entity for the last 12 monthsConsumer Credit Check Report |
| Proof of Income for Self-employed Non-professional NRI Applicants/Co-applicants | Copy of the current valid contractSavings ProofMemorandum and Articles of AssociationBank statements of the current, savings and NRE/NRO accounts in India for the last 6 monthsQualification certificatesIT Returns along with computation of income of both the individual and the business entity for the last 3 years (attested by a certified CA)Balance Sheets and P&L account statements along with Schedules and Annexures for both the applicant and the business entity for the last 3 years (attested by a certified CA) |
| Property/Home Improvement related documents | Property/Home Improvement related documents:Original Title Deeds of the propertyProof of no encumbrances on the concerned propertyAn estimate of the improvement project received from a Civil Engineer/an Architect |
| Other Documents | Own Contribution proofMemorandum and Articles of Association of the Company (for self-employed)Copy of valid resident visa stamped on the Passport (for NRIs)Bank statements indicating any ongoing loan repayments for the last 6 monthsLetter of Appointment/Employment Contract in case the applicant has not completed one year of employment under the current employerBank account statements for all the bank accounts owned by the applicant for the last six monthsProcessing Fee Cheque favouring the bank |
