Housing Finance – Home Loan Services

Proof of Identification(Any one of these) –

• PAN Card
• Passport
• Aadhaar Card
• Voter ID Card
• Driving License

Proof of Age(Any one of these) –

• Aadhaar Card
• PAN Card
• Passport
• Birth Certificate
• 10th Class Marksheet
• Bank Passbook
• Driving License

Proof of Residence(Any one of these) – 

• Bank Passbook
• Voter’s ID
• Ration Card
• Passport
• Utility bills (Telephone Bill, Electricity Bill, Water Bill, Gas Bill)
• Letter from a recognized public authority verifying the customer’s address

Income Documents:

For Salaried Individuals –

• Form 16
• Certified letter from Employer
• Payslip of last 3 months
• Increment or Promotion letter
• IT returns of past 3 years. 
• Bank Statement(6 month/1 year)

For Self Employed:

• Income Tax Returns (ITR) of last 3 years
• Balance Sheet and Profit & Loss Account Statement of the Company/Firm (duly attested by a C.A.)
• Business License Details (or any other equivalent document)
• The license of Professional Practice (For Doctors, Consultants, etc.)
• Registration Certificate of Establishment (For Shops, Factories & Other Establishments)
• Proof of Business Address
• Bank Statement(6 month/1 year)

Property Documents Required For Home Loan:

• NOC from Society/Builder
• A detailed estimate of the cost of construction of the house
• Registered Sale Deed, Allotment Letter or Stamped Agreement of Sale with the Builder (original document)
• Occupancy Certificate (in case of ready-to-move-in properties)
• Property Tax Receipts
• Maintenance Bills and Electricity Bills
• Receipts of the advance payments made towards the purchase of flat (original document)
• An approved copy of the building plan (key plan/floor plan in case of purchase of flats)
• Original of the land tax paid receipt and possession certificate as issued by the revenue authority
• Payment receipt or bank account statements showing payments made to the Builder or Seller