1. Documentation for Home Loan & LAP (Residents)

To apply for a home loan, the following documentation is required: a copy of the Pan Card [Mandatory], a copy of the Aadhar Card [Mandatory], and a copy of the Passport [Optional]. Additionally, you may provide a copy of the Election ID Card or Voter Card [Optional], a copy of the Driving License [Optional], and for salaried applicants, an Employee Identity Card [Mandatory]. If you do not have a clear proof of signatures, an original letter from the bank for signatures verification is needed [Circumstantial/Optional]. For proof of date of birth, you may submit a copy of the Matriculation Certificate [Optional] or a copy of the Birth Certificate issued by a Government Authority [Optional].

For KYC documents regarding your current or present residence address proof, you may include a copy of the Ration Card [Optional], a copy of a registered lease or rent agreement, or a copy of a bank account passbook or bank statement with the bank logo or stamp [Optional]. Other acceptable documents are a copy of a bill for postpaid mobile, postpaid cooking gas pipeline, landline telephone, electricity, or water bill [Optional]. For salaried individuals, an original letter from the employer on company letterhead issued by the HR Department, clearly mentioning the issuing officer's name, designation, contact number, employee ID, and email ID, is also an optional document for address proof.

To meet the Home Loan Documentation requirements, please provide a copy of the Goods & Service Tax (GST) Registration Certificate, a copy of the Udyam (MSME) Registration Certificate, and a copy of the latest bill of electricity or telephone bill of the business premise as part of the necessary KYC Documents.

For Home Loan Documentation, you will need the following KYC Documents: a Copy of the PAN Card of the Partnership Firm [Mandatory], a Copy of the Partnership Deed [Mandatory], a Copy of the GST Registration Certificate, and a Copy of the Udyam (MSME) Registration Certificate. Additionally, it is helpful to include a Copy of the Certificate of Registration from the Registrar of Firms [Optional] and a Copy of the Latest Bill of Electricity or Telephone Bill of the Business Premise to meet the loan requirements.

To complete the Home Loan Documentation, please provide the following mandatory KYC Documents: a copy of the PAN Card of the Private Limited Company, a copy of the Certificate of Registration from the Registrar of Companies, and a copy of the MOA & AOA (Memorandum & Articles of Association). Additionally, include a copy of the Goods & Service Tax (GST) Registration Certificate, a copy of the latest bill of electricity or telephone bill for the business premise, and the original list of directors along with the shareholding pattern duly attested by a C.A. These documents are essential to fulfill the loan requirements.

To fulfill the loan requirements for your home loan documentation, please provide the following KYC documents: a copy of the PAN Card of the Trust or Society (mandatory), a copy of the Certificate of Registration with the Registrar of Trust or Societies (mandatory), a copy of the Trust Deed or Constitutional Document of the Trust or Society (mandatory), a copy of the Goods and Service Tax (GST) Registration Certificate, and a copy of the latest bill for Water, Electricity, or Telephone of the Trust or Society.

To complete the home loan documentation, you will need to provide a copy of the PAN Card of the HUF, which is mandatory. Additionally, an original C.A. certificate stating the Karta and coparceners is also required. As part of the KYC documents, please include a copy of the Goods & Services Tax (GST) Registration Certificate. Finally, a copy of the latest utility bill—whether it be for water, electricity, or telephone—must be provided in the name of the Karta or the HUF to fulfill the loan requirements.

BUSINESS RELATED (Proprietor/Partners/Partnership/Pvt. Ltd. Co.)

To fulfill the Home Loan Documentation requirements, please provide the following:

- Copy of Goods & Services Tax (GST) Returns for the Current Financial Year

- Copy of Latest 3 Years Complete Set Income Tax Returns (ITR) including:

  1. Computation of Income

  2. Profit and Loss Account

  3. Balance Sheet

  4. Tax Audit Report (3CA, 3CB etc.) and Auditors Report - If Applicable

  5. Director's & Auditor's Reports - If Applicable

  6. All Schedules / Annexures [Complete Set as per P&L and B/S] - If Applicable

- Copy of Debtors and Creditors aging for Current Financial Year (April to Till Date)

- Sanction Letter of all Existing Loans

- Copy of Up to date 12 months Statement of All Current Accounts

- Copy of Up to date 1 Year Statement of OD / CC Account with Sanction Letter

- Copy of Up to date 1 Year Passbook or Saving A/c Statement with Bank Logo or Stamp

SALARIED (RESIDENT)

For KYC Documents related to salaried individuals, please submit:

- Copy of Latest 3 Months Pay Slips

- Copy of 12 Months Salary Account Statement

- Copy of Latest 3 Years Form-16s

- Copy of Latest CTC / Increment Letter

- Sanction Letter of all Existing Loans

DIRECT ALLOTMENT IN UNDER-CONSTRUCTION PROPERTIES FOR HOME LOANS:

- Copy of Property Allotment Letter

- Copy of all Payment Receipts

- Copy of Buyer's Agreement (Flat Buyer Agreement)

- Copy of Property Ledger A/c Statement in Builder Properties

- Copy of Permission to Mortgage from Concern Authority / Builder

Note: In the allotment transfer of under-construction properties, Builder NOC and Agreement to Sell are also required along with the above-mentioned home loan documentation.

READY FOR POSSESSION / RE-SALE BUILDER PROPERTIES FOR HOME LOANS & LAP:

- Copy of Property Allotment Letter

- Copy of all Payment Receipts

- Copy of Buyer's Agreement (Flat Buyer Agreement)

- Copy of Possession Letter

- Copy of all Sale Deeds, i.e., Complete chain up to the present owner

REGISTERED PROPERTIES FOR HOME LOANS & LAP:

- Copy of Property Documents from First Owner to Last Owner (Complete Chain Link)

- Copy of Approved MAP

- Latest House Tax and/or Electricity Bill of Property

- Agreement of Sale & Purchase (ATS) 

For all these processes, ensure you have your KYC documents ready to meet the loan requirements.