•  LOAN APPLICATION 
  

Loan documents vary depending on the loan type (e.g., personal, home, or business) and your employment status. Generally, lenders require documentation to verify your identity, address, and ability to repay.

• Commonly Required Documents

•     Identity Proof: A valid Aadhaar Card, PAN Card (mandatory for most financial activities), Passport, Voter ID, or Driving Licence.
•     Address Proof: Utility bills (electricity, water, or gas not older than 3 months), registered rent agreement, Aadhaar card, or Passport.

    Photographs: Usually 1–3 recent passport-size photographs. 

Income Proof (By Category) 

Employment Type Essential Documents

Salaried Individuals Latest 3 months' salary slips, bank statements of the last 3–6 months showing salary credits, and Form 16 or latest ITR.

Self-Employed Income Tax Returns (ITR) for the last 2–3 years, CA-audited financials (Profit & Loss, Balance Sheets), and business existence proof like a trade license or GST certificate.

Retirees Pension payment order or bank statements showing pension credit, along with standard KYC.

Specialized Loan Requirements

    Home Loans: Requires property-specific documents such as the sale agreement, title deed, allotment letter from the builder, and approved building plans.

    Business Loans: May require partnership deeds, Memorandum of Association (MOA), Articles of Association (AOA), and GST returns.

    NRI Loans: Copy of passport, valid visa/work permit, and overseas bank statements. 

Note: Some lenders offer 100% digital processes (like HDFC Bank or IDFC FIRST Bank) where pre-approved customers may need no physical documentation, completing the process via Aadhaar and Video KYC. 

Are you applying for a specific type of loan (like a home or personal loan), or do you need a checklist for a specific bank?

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