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
View ProductIdentity & Address Proofs (KYC)
- Valid PAN Card (Mandatory for all applicants and co-applicants)
- Aadhaar Card, Passport, Voter ID, or Driving License
- Recent passport-size photographs of all applicants
- Current Address Proof (Utility bill, registered rent agreement, or Passport)
Income Proof: Salaried Individuals
- Latest 3 to 6 months' salary slips indicating all deductions
- Form 16 and Income Tax Returns (ITR) for the last 2 financial years
- Latest 6 months' bank statements showing continuous salary credits
- Employment ID card or a letter from the current employer confirming tenure
Income Proof: Self-Employed & Business
- Income Tax Returns (ITR) for the last 3 years with computation of income
- Audited Balance Sheet and Profit & Loss Statement for the last 3 years
- Business Registration Proof (GST Certificate, Udyam, Shop Act, or Incorporation Certificate)
- Latest 12 months' Current Account statements for the business entity
- Latest 6 months' Savings Account statements for individual promoters
Property Documents (Varies by Purpose)
- Registered Agreement to Sale / Allotment Letter / Stamped Buyer Agreement
- Chain of previous property agreements (mandatory for resale properties)
- Approved building plan / blueprint from local municipal authorities
- Occupancy Certificate (OC) or Completion Certificate (for ready properties)
- NOC from the housing society or builder for mortgage creation
- Latest property tax paid receipts and maintenance bill (if applicable)
Business Loan Assistance Documents
View ProductEntity 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
- Audited Balance Sheet and Profit & Loss Statement for the last 2 to 3 financial years
- Income Tax Returns (ITR) of the business and promoters for the last 2 to 3 years with computation
- Complete GSTR-3B returns for the last 12 months to verify recent turnover trends
Banking Records
- Detailed Current Account statements for the last 12 months (in PDF format)
- Statements of any existing loans (Term loans, Cash Credit, or Overdraft facilities) for the last 6 months
- Sanction letters of all existing active credit facilities
Machinery Loan Assistance Documents
View ProductEquipment & Vendor Documents
- Detailed Proforma Invoice / Quotation from the vendor (must include GST and HSN codes)
- 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
- Audited Balance Sheet and Profit & Loss Statement (last 3 years)
- Income Tax Returns (ITR) with computation of income (last 3 years)
- Complete GSTR-3B returns for the last 12 months
- Current Account bank statements for the last 12 months
- Sanction letters of all existing active credit facilities
Loan Against Property Documents
View ProductProperty 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 Aadhaar Card of all property owners (mandatory co-applicants)
- Recent passport-size photographs of all applicants
- Current residential address proof
Financial Documents (Salaried & Business)
- Salaried: Last 6 months' salary slips, Form 16, and 12 months' bank statements
- Business: Last 3 years' audited Balance Sheet, P&L, and ITR with computation
- Business: GST Registration and last 12 months' current account bank statements
- Sanction letters and statements of all existing ongoing loans
MSME Loan Assistance Documents
View ProductMSME specific Registration
- Valid Udyam Registration Certificate (Mandatory for MSME benefits)
- 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
- Audited Balance Sheet and Profit & Loss Statement (last 3 financial years)
- Income Tax Returns (ITR) of the business and promoters (last 3 years)
- Detailed computation of income and audit reports (if applicable)
Banking & Turnover Proofs
- Complete GSTR-3B returns for the last 12 months
- Detailed Current Account statements for the last 12 months (PDF format)
- 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
View ProductIdentity & Address Proof (KYC)
- Valid PAN Card (Mandatory for all applicants)
- Aadhaar Card, Passport, or Voter ID for e-KYC verification
- Recent passport-size photographs
- Current residential address proof (Utility bill, registered rent agreement, or Passport)
Income Proof
- Latest 3 months' salary slips clearly showing all deductions and net pay
- Form 16 or Income Tax Returns (ITR) for the last 2 financial years
- Latest 6 months' bank statements (in PDF format) showing the regular salary credits
Employment Proof
- Official Employee ID Card
- Official email ID verification (often required for digital lending journeys)
- Appointment letter or joining letter (sometimes required to prove overall vintage)
Existing Loan Details
- Sanction letters or latest account statements for any currently active loans
- Last 3 months' credit card statements (if you have high utilization)
Credit Card Assistance Documents
View ProductIdentity & Address Proof (KYC)
- Valid PAN Card (Absolutely Mandatory)
- Aadhaar Card for biometric e-KYC verification
- Current residential address proof (if different from Aadhaar)
Income Proof: Salaried
- Latest 2 months' salary slips indicating clear deductions
- Latest 3 months' bank statements showing continuous salary credits
Income Proof: Self-Employed
- Latest Income Tax Return (ITR) with full computation of income
- Business Registration Proof (GST Certificate, Udyam, or Shop Act)
For Card-to-Card Applications
- Masked copy of the front of the existing credit card (showing name and first/last 4 digits)
- Latest credit card statement showing the assigned credit limit and a clean payment record
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)