Documents Required for Home Loans in India

Documents required for home loan are more or less similar for all types of Home Loans, Loan Against Property and Business Loans. They vary as per borrower profile as follows:

Salaried Customers Self Employed Professionals
(Eg. CAs, Doctors, Lawyers, Architects etc.)		 Self Employed Non-Professionals
(Businessmen)
Personal Documents
Application form with Processing Fees Cheque Application form with Processing Fees Cheque Application form with Processing Fees Cheque
Passport-size photo of each applicant Passport-size photo of each applicant Passport-size photo of each applicant
PAN Card copy of each applicant PAN Card copy of each applicant Age proof of each applicant – PAN Card copy
Residence Address proof Residence Address proof Residence Address proof
– Office Address Proof Office Address Proof
– Partnership Deed / MOA of Company, if applicable Partnership Deed / MOA of Company, if applicable
– List of Directors – certified by CA, in case of Company List of Directors – certified by CA, in case of Company
– Shareholding pattern – certified by CA, in case of Company Shareholding pattern – certified by CA, in case of Company
– Brief Business profile Brief Business profile
– Qualification Proof –
Income Documents
Salary-slip for last 3 months Last 3 years Income Tax returns (self and business) with Computation of Total income Last 3 years Income Tax returns (self and business) with Computation of Total income
Form-16 copy for last 3 years Last 3 years P&L A/c, Balance Sheet with detailed schedules – certified by CA Last 3 years P&L A/c, Balance Sheet with detailed schedules – certified by CA
Income tax returns for last 3 years, if available Last 3 years Audit Report, Form 3CD, if applicable Last 3 years Audit Report, Form 3CD, if applicable
Appointment letters for last 3 years, if Form No.16 / ITRs are not available Copy of TDS certificates / VAT Returns / Service Tax returns, if applicable Copy of TDS certificates / VAT Returns / Service Tax returns, if applicable
Bank Statements
Last 6 months bank statements of saving bank A/c Last 6 months bank statements of Current A/c and Savings A/c Last 6 months bank statements of Current A/c and Savings A/c
Detail of current Loans with supporting documents and 6 months bank statement showing EMI repayments Detail of current Loans with supporting documents and 6 months bank statement showing EMI repayments Detail of current Loans with supporting documents and 6 months bank statement showing EMI repayments
– Copy of Bank CC/OD limits sanction letter, if applicable Copy of Bank CC/OD limits sanction letter, if applicable
Property Documents, if identified
Photocopy of all property documents & Approved Sanction Plan, if applicable Photocopy of all property documents & Approved Sanction Plan, if applicable Photocopy of all property documents & Approved Sanction Plan, if applicable
Additional Documents in Balance Transfer Cases
Copy of Sanction letter of earlier bank Copy of Sanction letter of earlier bank Copy of Sanction letter of earlier bank
Full Repayment Track Record of earlier bank Full Repayment Track Record of earlier bank Full Repayment Track Record of earlier bank
Principal outstanding letter Principal outstanding letter Principal outstanding letter
List of Original Property Documents acknowledgement with earlier bank List of Original Property Documents acknowledgement with earlier bank List of Original Property Documents acknowledgement with earlier bank


PDF Checklist of Documents Required for Home Loan