Documentation refers to the specific documents to be submitted by Resident Indians as they apply for home loan. These documents are very much necessary for the financial institutions to avoid any dispute and uncertainty. The documents to be provided by the resident Indians include income proof, property documents and personal identification documents, etc. which of course varies based on the borrowers financial status and the type of loan you want to avail.And of course every resident Indian should follow some eligibility criteria before apply Home Loans in India.

However, there are some standard documents made mandatory for a loan applicant to produce such as the loan applicant's profile, earning life of the applicant and present financial status proof etc.

• The Applicant's Profile refers to the bio-data of the applicant, mentioning his address, age, family background and detail information.


• The Earning Life of the Applicants' proof clarifies the capability of the loan payment.


• The Present Financial status gives the present capability of handling the own contribution and other expenditures. This includes the mortgage to be deposited against the loan amount.

List of Documents

• Salaried Customers Self Employed Professionals Self Employed Businessman


• Application form with photograph Application form with photograph Application form with photograph


• Identity* and Residence Proof** Identity and Residence Proof Identity and Residence Proof


• Latest Salary-slip Education Qualifications Certificate and Proof of business existence-Education Qualifications Certificate and Proof of business existence


• Form 16 Last 3 years Income Tax returns (self and business) Business profile


• Bank statements (last 6 months) Last 3 years Profit /Loss and Balance Sheet Last 3 years Income Tax returns (self and business)


• Last 3 years Profit /Loss and Balance Sheet


• Processing fee cheque Bank statements(last 6 months) Bank statements(last 6 months)


• (self and business)


• Processing fee cheque Processing fee cheque

*Proof of Individual's Identity (any one of the following)

• Passport


• Photo PAN Card


• Defence Identity Card


• Voter's Identity Card


• Driving License


• Photo Ration Card


• Government Identity Card

**Proof of Residence (any one of the following)

• Passport


• Ration Card


• Telephone (Land/Mobile) Bill


• Electricity Bill


• Driving License


• Society Outgoing Bill


• Voter's Identity Card


• Life Insurance Policy

Only Passport can be used as both Proof of Individual's Identity and Proof of Residence.

** Proof of Age (any one of the following)

• Passport


• Valid Driving License


• Voter's Identity Card


• Birth Certificate


• School leaving certificate


• LIC Policy or Premium Receipt clearly indicating the applicant's age


• Letter from the employer stating the age of the employee


• Photo Ration Card