NRI Documentation

 

Personal Documents –

  • 1 passport size latest photograph of each applicant
  • Valid passport copies for all the applicants showing India Entry / exit stamp, if applicable
  • PAN card copy for all the applicants, if available
  • PIO / OCI card, if applicable
  • Valid work VISA copies for all the applicants
  • Foreign location residential address proof
  • Processing Fee cheque from your NRE / NRO Bank A/c in India

 

Income Documents: for Salaried individuals –

  • Copy of current appointment letter OR Copy of salary certificate clearly mentioning the date of joining, current salary earned and designation held in the company
  • Copy of previous appointment letters showing last 3 years job continuity
  • Last 3 months salary slip for Fixed salary and last 6 months for Variable salary
  • Last 6 months bank statements clearly mentioning salary credits in the account
  • Last 6 months bank statements of NRE / NRO A/c in India

 

Income Documents: for Self-employed individuals –

  • Proof of incorporation of business viz. Partnership Deed, MOA of company
  • Business Profile and Office address proof
  • Last 3 years Income tax returns filed in the country of residence
  • Last 3 years Audited financials – Profit & Loss A/c and Balance Sheet
  • Last 6 months bank statements of Current A/c and Savings A/c
  • Last 6 months bank statements of NRE / NRO A/c in India

 

Documents of Power of Attorney (POA) appointed in India

Each NRI applicant needs to compulsorily appoint a POA in India. For the format refer the Downloads Section. The POA needs to submit self-attested copies of following:

  • One passport sized photo
  • Photo ID and signature proof
  • Residence Address proof

Residence Verification is to be conducted at the POA holder’s residence & the applicant’s residence in India (if applicant or family members are present in India)

 

 

Place of Execution of POA:

If NRI applicant is present in India at the time of application:

  • The POA format can be printed on Rs.100 stamp paper, both applicant and POA holder needs to sign on each page and the same can be duly notarized
  • Application form needs to be personally signed by all NRI applicants
  • All documentation mentioned above needs to be self-attested by respective NRI applicant

 

If NRI applicant is not present in India at the time of application:

  • The POA format needs to be printed on plain sheets and NRI applicant needs to sign on each page. The same needs to be attested by the local Indian Consulate / Embassy in the country of residence
  • Passport copy needs to be attested by the Indian Consulate/Notary Public/Bank Manager at the place of residence of the NRI applicant
  • The NRI applicant can send the attested POA format, passport copy and all other documents mentioned above self-attested to India for home loan processing