Bank Loan Products

LAP — Self-Employed

• Passport Size Colour Photograph
• PAN Card & Aadhaar Card
• 2 Years ITR with Financials
• 12 Months Account Statement (PDF) — SB / CA / OD / CC
• Office Proof — Copy of GST / Municipal / Panchayat / Government Licence

Property Documents: Full set copy required — View Property Checklist

LAP — Salaried (Bank Through)

• Passport Size Colour Photograph
• PAN Card & Aadhaar Card
• 3 Months Salary Slip
• 6 Months Salary Account Statement
• Date of Joining Proof (appointment / experience / increment letter)
• Form 16 or ITR

Property Documents: Full set copy required — View Property Checklist

Important — For Loan Approval & Best Rate of Interest

• CIBIL Score must be more than 710–720
• Not more than 3 loan enquiries in CIBIL report in the last 2 months
• No overdue or delayed payment history in the last 6 months in CIBIL report

Required Documents — Unsecured Personal Loan

• Passport Size Colour Photograph
• PAN Card & Aadhaar Card
• 3 Months Salary Slip
• 6 Months Salary Account Statement (PDF format)
• Job Continuity Proof — 2 Year (Appointment Letter / Increment / Promotion / Experience Certificate / Form 16 / ITR)
• Existing Loan Details (if any)

Important — For Loan Approval

• CIBIL Score must be more than 710–720
• Not more than 3 loan enquiries in CIBIL report in the last 2 months
• No overdue or delayed payment history in the last 6 months in CIBIL report
• Net Salary above Rs. 20,000/- (Bank Through)

Office Proof

Any one of the following documents:

• GST Registration Certificate
• SSI Certificate
• Corporation / Municipality / Panchayath Licence
• Any other Licence issued by Government

Income Proof

For Proprietor Firm

• Latest 3 Years ITRs with Financials (SARAL, COMPUTATION, BALANCE SHEET, P&L; if turnover above 1 crore: 3CB, 3CD, AUDIT REPORT)
• Latest 6 months Savings Bank / Overdraft / Current Account Statements

For Partnership Firm

• Partnership Deed
• Latest 3 Years ITRs with Financials (Individual ITR of Partners & Firm)
• Latest 6 months Savings Bank / Overdraft / Current Account Statements
• Running Loan Repayment Track or Schedules

For Pvt Ltd Company

• Latest 3 Years ITRs with Financials (Individual ITR of Directors & Company) — SARAL, COMPUTATION, BALANCE SHEET, P&L, 3CB, 3CD, AUDIT REPORT
• MOA & AOA
• Latest 6 months Savings Bank / Overdraft / Current Account Statements
• Running Loan Repayment Track / Schedules

Ownership Proof

• Land Tax Receipt or Building Tax Receipt owned by Self / Spouse's / Parent's — mandatory for Business Loans

New Car Loan — Salaried

• Passport Size Colour Photograph
• PAN Card & Aadhaar Card
• 3 Months Salary Slip
• 6 Months Salary Account Statement
• Invoice Bill from Dealer

New Car Loan — Self-Employed

• Passport Size Colour Photograph
• PAN Card & Aadhaar Card
• Business Proof — 3 Year Vintage, Government-Issued Licence
• 1 Year Bank Statement (PDF) — SB / CA / OD / CC
• Invoice Bill from Dealer
• Loan above Rs. 10 Lakh: 2 Years ITR with Financials OR 1 Year GST

Used Car Loan — Salaried

• Passport Size Colour Photograph
• PAN Card & Aadhaar Card
• 3 Months Salary Slip
• 6 Months Salary Account Statement
• RC Book Copy
• Insurance Policy Copy
• Land Tax Copy

Used Car Loan — Self-Employed

• Passport Size Colour Photograph
• PAN Card & Aadhaar Card
• Business Proof — 3 Year Vintage (GST / Panchayat / Municipality Licence / any valid Government-Issued Licence)
• 1 Year Bank Statement (PDF)
• RC Book Copy
• Insurance Policy Copy
• Land Tax Copy
• Loan above Rs. 10 Lakh: 2 Years ITR with Financials

Important — For Loan Approval & Best Rate of Interest

• CIBIL Score must be more than 710–720
• Not more than 3 loan enquiries in CIBIL report in the last 2 months
• No overdue or delayed payment history in the last 6 months in CIBIL report

Required Documents