KYC must be consistent
Name, address, mobile and PAN details should match across submitted records wherever possible.
Documents checklist
Required documents for loan and DSA partner files.
Use these checklists to prepare before an eligibility discussion. Final document requirements can vary by lender, product, profile, property type and verification stage.
Income proof varies
Salary, ITR, GST, banking and financial statements depend on product, lender and applicant type.
Partner files need consent
DSA partners should submit genuine customer enquiries and documents only with proper consent.
Product-wise checklist
Prepare by loan type
Each product has a different review pattern. Use the relevant checklist and keep original records available for verification.
Home Loan Assistance Documents
Identity & Address
- PAN or other tax-identification record requested by the lender
- Current officially valid identity and address records
- Applicant and co-applicant photographs or signatures where requested
Salaried Income
- Recent salary slips for the period requested by the lender
- Bank statements showing salary credits
- Form 16, employment or other income records where requested
Self-Employed Income
- ITRs and computation of income for the requested period
- Audited or CA-certified financial statements where applicable
- Business registration, GST and operative bank-account records where relevant
Property & Contribution
- Agreement, allotment, sale or title-chain records relevant to the transaction
- Approved plan, occupancy/completion, NOC and tax records where applicable
- Own-contribution and existing-loan records requested for the case
Business Loan Assistance Documents
Entity Identity & Registration Proof
- PAN Card of the Business Entity (for Partnerships, LLPs, and Companies)
- GST Registration Certificate, Udyam Registration, or Shop Act License
- Partnership Deed, Certificate of Incorporation, MOA, and AOA as applicable
- Current registered address proof for the business premises (Utility bill or Rent Agreement)
Promoter KYC
- PAN Card and Aadhaar Card of the Proprietor, all Partners, or all Directors
- Recent passport-size photographs of the key applicants
- Current residential address proof for all promoters
Financial Documents
- Balance Sheet and Profit & Loss Statement for the period requested by the lender, audited where applicable
- Income Tax Returns and computation for the business or promoters where applicable and requested
- GST returns for the requested period where the business is registered and the lender requires them
Banking Records
- Current-account statements for the period requested by the lender
- Statements of existing term loans, cash-credit or overdraft facilities where requested
- Sanction letters of all existing active credit facilities
Machinery Loan Assistance Documents
Equipment & Vendor Documents
- Detailed Proforma Invoice / Quotation with GST and HSN details where applicable or requested
- Technical specifications brochure of the machinery
- Vendor's banking details and basic KYC (often required by lenders)
- Copy of advance payment receipt made to the vendor (if applicable)
Business Entity KYC
- PAN Card of the Business Entity
- GST Registration Certificate and Udyam Registration (MSME)
- Partnership Deed, MOA & AOA, or Certificate of Incorporation
- Utility bill or registered rent agreement for the factory/business premises
Promoter KYC
- PAN Card and Aadhaar Card of all key promoters/directors
- Recent passport-size photographs of the applicants
- Current residential address proof for all promoters
Financial Documents
- Balance Sheet and Profit & Loss statements for the periods requested by the lender
- Income Tax Returns (ITR) and computation of income where requested
- GST returns for the period requested, where applicable
- Current-account bank statements for the period requested
- Sanction letters of all existing active credit facilities
Loan Against Property Documents
Property Title Documents (Crucial)
- Original registered Sale Deed, Conveyance Deed, or Allotment Letter in the owner's name
- Complete Chain Documents (previous sale agreements tracing ownership history for resale properties)
- Approved building plan / blueprint from the local municipal corporation
- Occupancy Certificate (OC) or Completion Certificate (CC)
Property Tax & Utility Records
- Latest property tax paid receipts (municipal tax)
- Latest maintenance bills from the housing society or commercial complex
- Recent electricity or water bill establishing active possession
- NOC from the housing society for mortgaging the property (if applicable)
Applicant & Co-Applicant KYC
- PAN Card and accepted identity/address proof of applicants and property owners as requested
- Recent passport-size photographs of all applicants
- Current residential address proof
Financial Documents (Salaried & Business)
- Salaried: salary, tax and bank records for the periods requested by the lender
- Business: financial statements and ITR with computation for the periods requested
- Business: registration, GST records where applicable and requested current-account statements
- Sanction letters and statements of all existing ongoing loans
MSME Loan Assistance Documents
MSME specific Registration
- Udyam Registration Certificate for routes that require MSME registration
- GST Registration Certificate or Shop & Establishment License
- Entity PAN Card and Certificate of Incorporation (for companies)
- Utility bill or registered rent agreement for the registered business premises
Promoter Identity & Address
- PAN Card and Aadhaar Card of the Proprietor, all Partners, or Directors
- Recent passport-size photographs
- Current residential address proof for all key promoters
Audited Financial Statements
- Balance Sheet and Profit & Loss statements for the periods requested
- Income Tax Returns (ITR) of the business and promoters where requested
- Detailed computation of income and audit reports (if applicable)
Banking & Turnover Proofs
- GST returns for the period requested, where applicable
- Current-account statements for the period and format requested
- Sanction letters and recent statements of all existing business loans
- A brief business profile or project report detailing the purpose of the loan
Personal Loan Assistance Documents
Identity & Address
- PAN or other tax-identification record requested for the application
- Current officially valid identity and address evidence
- Photograph, signature or digital KYC records where the lender requires them
Salaried Applicant
- Recent salary slips for the lender-requested period
- Bank statements showing salary or income credits
- Employment, Form 16 or other records where requested
Self-Employed Applicant
- ITRs and computation of income where requested
- Business or professional registration evidence
- Personal or business bank statements and financial records relevant to the lender’s policy
Additional Case Records
- Existing-loan or card-obligation information
- Address, employer, business or income clarification documents
- Any consent and declarations required for the chosen digital or assisted journey
Credit Card Assistance Documents
Identity & Address
- PAN or tax-identification record requested by the issuer
- Current officially valid identity and address evidence
- Photograph, signature, digital KYC or video-KYC records where applicable
Salaried Income
- Salary slips for the issuer-requested period
- Bank statements or account records showing income credits
- Employment details or additional income evidence where requested
Self-Employed Income
- ITR or computation records requested by the issuer
- Business or professional registration evidence where relevant
- Banking or other financial records under the issuer’s policy
Additional Issuer Records
- Existing-card statement or limit evidence only where the issuer supports that route
- Any extra residence, office, income or consent record requested for verification
- Never share an unmasked full card number, CVV, PIN or OTP with an intermediary
DSA Partner Registration
View Partner Program- PAN Card
- Aadhaar Card
- Address Proof (Utility Bill / Rent Agreement)
- Bank Details (Cancelled Cheque / Passbook)
- Passport Size Photograph
- Business Proof (if applicable)
- GST Certificate / Udyam Registration (if applicable)