Get Home Loan Online Up to ₹ 5 Crore*

• Individuals:

  • Identity Proof & Address Proof of Individuals: Aadhaar/Passport/Driving License/Voter ID/National Rural Employment Guarantee Act (NREGA) Card/Letter from the National Population Register (NPR) containing details of your name and address.

  • DOB Proof: Passport/Driving License/Voter ID/NREGA Card/Letter from the NPR containing details of your name and address.

• Non-Individuals (Entity):

  • Identity Proof: Registration Certificate including Udyam Registration Certificate (URC) issued by the Government/Certificate/License issued by the municipal authorities under Shop and Establishment Act/Sales and Income Tax returns/CST/VAT/GST Certificate/Certificate/Registration document issued by Sales Tax/Service Tax/Professional Tax authorities/ IEC (Importer Exporter Code) issued to the proprietary concern by the office of the Directorate General of Foreign Trade (DGFT)/License/Certificate of practice issued in the name of the proprietary concern by any professional body incorporated under a statute/Complete Income Tax Returns (not just the acknowledgement) in the name of the Sole Proprietor where the firm’s income is reflecting, duly authenticated/acknowledged by the Income Tax authorities/Utility bills such as electricity, water, landline telephone bills etc.

Note: For sole proprietorship concerns, any of the above-mentioned two documents are required.

• Address Proof: GST Certificate/Business Registration Certificate/Gumastaa License/Udhyam Registration Certificate/Bank statement (not to be considered for entity proof)/Utility Bill/ITR/Rent Agreement with utility bill within 2 months.

Note: If the registered address and permanent address of the entity are different – proof is required in both cases.

Apart from the above-mentioned document, additional documents will be required for the below entities:

• Partnership Firm: Partnership Deed

• Limited Liability Partnership: LLP Agreement and Certificate of Incorporation, List of designated partners and latest profit-sharing ratio certified by a Chartered Accountant (CA)/Company Secretary (CS)

• Public & Private Limited Co. (Even if there is only 1 director): Certificate of Incorporation, Memorandum of Association (MOA) and Articles of Association (AOA), CA/CS certified latest list of Directors and Shareholders with their names, date of birth, nationality and address

• Trust: Trust Deed with Registration Certificate, list of all beneficiaries, trustees, settlors, protectors and authors of the trust, containing their names and Date of Birth

• Society: By-laws/Memorandum of a Society with Registration Certificate, list of members with their names, address and Date of Birth

• HUF: List of Adult Coparceners (Joint Heirs) attested by the Karta (Head of the family)

• Authorised signatory along with KYC and Relationship Segment details in case of Private/Public Limited Companies/Limited Liability Partnerships/Partnership Firms/Trust/Society

• List of Directors and Senior Management details in case of Private/Public Limited Companies

• Legal Entity Identifier (LEI) Certificate of non-individual borrowers having a banking system exposure of ₹ 5 crore and above.

Beneficial owner details along with KYC documents as per below:

• In case of Company/Partnership Firms/Limited Liability Partnership, more than 10% of shares/capital/profit of the company 

• In case of Unincorporated Association or Body of Person/Individual, more than 15% of capital/profit of the company

• In case of author of the trust, the trustee, the beneficiaries with 10% and more interest in the trust.

Below is the list of documents required for a Mortgage Loan based on employment:

• Income Proof:

  • Salaried:

    • Latest Form 16

    • Latest one-month salary slip

    • Bank statements of the last 6 months.

  • Self-Employed

    • Last 6 months’ Bank statements of all operative accounts

    • Last 2 years CA Certified/Audited Income Tax Returns (ITR), computation of income, Profit and Loss Account Statement and Balance sheet

    • GST returns of the last 1 year.

Disclaimer This is an indicative list only. Additional documents may be required for a case-to-case basis.