Document checklist
What to keep ready for a home loan or loan against property. Your bank may ask for a few more depending on the property and your profile. We will give you an exact list for your case.
Choose your profile
Property papers apply to everyone. KYC and income documents depend on whether you are salaried or self-employed.
Loan-specific documents are listed on each loan page.
Salaried
- PAN card and Aadhaar cardFor every applicant and co-applicant
- Two recent passport-size photographs
- Salary slips for the last 3 months
- Bank statement of the salary accountLast 6 months
- Form 16 or ITRLast 2 years
- Appointment letter or employer IDSome banks ask for this
- Statement of any running loanIf you already pay an EMI
Self-employed
- PAN card and Aadhaar cardFor every applicant and co-applicant
- ITR with computation of incomeLast 2 to 3 years
- Profit and loss account and balance sheetCA certified
- Business proofGST registration, Udyam, shop licence or partnership deed
- Bank statementsBusiness and savings accounts, last 12 months
- Office address proof
- Statement of any running loanIf you already pay an EMI
Property papers
- Sale agreement, allotment letter or builder–buyer agreement
- Complete chain of title documentsPrevious sale deeds back to the original owner
- JDA patta or colony approvalWhere applicable
- Approved building plan or map
- NOC from builder or society
- Latest property tax or UD tax receipt
- RERA registrationFor under-construction projects
Tips that save time
- Make sure your name and date of birth match exactly on PAN, Aadhaar and bank records.
- Keep self-attested photocopies along with originals for verification.
- Do not make large unexplained cash deposits in the months before applying.
- For resale property, collect every previous sale deed. Missing links in the chain are the most common cause of delay.
Not sure what you need?
Send a photo of what you have on WhatsApp and we will tell you what is missing.
