Home Loan
Required Documents

Select your employment category to view the complete checklist of documents needed for Home Loan approval.

Home Loan — Salaried NRI

Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Valid Passport / Visa Copy
Contract Agreement or Appointment Letter
6 Months Salary Slip
1 Year Salary Account Statement (PDF format)
Date of Joining Proof — 2 Year Vintage (appointment letter / increment letter / experience certificate / previous employment proof)
Power of Attorney (Bank Format)

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document 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

Home Loan — Salaried (Cash Salary)

Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
3 Months Salary Slip / Salary Certificate in Letter Head Format
12 Months Account Statement (PDF format)
Date of Joining Proof / Experience Letter (if any)

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document Checklist

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

Home Loan — Salaried, Bank Through (Purchase + Construction)

Applicant Documents

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

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document 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

Home Loan — Salaried, Bank Through (Purchase)

Applicant Documents

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

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document 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

Home Loan — Salaried, Bank Through (Takeover)

Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
3 Months Salary Slip
6 Months Salary Account Statement (PDF format)
Date of Joining Proof (appointment / experience / increment letter)
List of Documents
Repayment Track (No Due / Regular Payment Proof)
Outstanding Letter

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document 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

Home Loan — Self-Employed (Affordable)

Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Licence / ITR / GST Registration
12 Months Account Statement (PDF format)
Udhyam Certificate Copy

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document Checklist

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

Home Loan — Self-Employed (Purchase)

Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
1 Year Bank Statement — SB / CA / OD / CC (PDF format)
Business Proof — 3 Year Vintage, Valid Government-Issued Certificate
Udhyam Certificate Copy

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document 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

Home Loan — Self-Employed (Purchase + Construction)

Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
1 Year Bank Statement — SB / CA / OD / CC (PDF format)
Business Proof — 3 Year Vintage, Valid Government-Issued Certificate
Udhyam Certificate Copy

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document 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

Home Loan — Self-Employed (Takeover)

Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
1 Year Bank Statement (PDF) — SB / CA / OD / CC
Business Proof — 3 Year Vintage, Valid Government-Issued Certificate
Udhyam Certificate Copy
List of Documents
Repayment Track (No Due / Regular Payment Proof)
Outstanding Letter

Co-Applicant Documents

Passport Size Colour Photograph
PAN Card & Aadhaar Card
Proof of Income (if applicable)

Property Documents: Full set copy required — View Property Document 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

Common to All Categories

Property Document Checklist

#	Document
1	Title Deed / Sale Deed
2	Mother Deed (Previous Title Deeds)
3	Encumbrance Certificate
4	Building Tax & Land Tax
5	Location Sketch & Possession Certificate
6	Approved Building Plan & Permit
7	Occupancy Certificate / Completion Certificate

Annexure — Additional Documents (Case-Specific)

For Purchase Cases: Sale Agreement
For Construction Cases: Latest Building Plan and Permit with Detailed Estimate

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Home LoanRequired Documents

Property Document Checklist

Home Loan
Required Documents