* Disclaimer: All contents mentioned on this page, including but not limited to documents, eligibility may vary for each borrower and are subject to the discretion of the lender. The content is subject to change without prior notice.

List of Documents Required for Affordable Housing Loan

KYC Documents

Address & Identity Proof

Pan Card or Form 60 is mandatory. For Proof of Address & Identification, any one of the following documents is acceptable:

  • Proof of possession of Aadhaar number
  • Valid Driving License
  • Valid Passport
  • Voter’s Identity Card
  • Job Card Issued by NREGA
  • Letter issued by National Population Register Containing Details of Name and Address

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Income Documents

Income Declaration

To submit proof of income, following documents are acceptable:

  • Latest 1-month salary slip or salary certificate on company letterhead, signed by an authorized signatory
  • Proof of employment for 2 years (Form 16, salary slip with joining date, employer letter, or appointment letter)
  • Last 6 months' bank statements showing salary credits
  • Work experience proof is not required for salaried Indian residents above 35 years

Property Documents

For Property Purchased Through Builder

  • Agreement to sell
  • Payment Receipts
  • Mortgage NOC
  • Cost Sheet

For Purchase of Resale Property

  • All Chain of Agreement
  • Society / Builder NOC
  • Share Certificate
Document-category
Indian Resident Salaried

KYC Documents

Address & Identity Proof

Pan Card or Form 60 is mandatory. For Proof of Address & Identification, any one of the following documents is acceptable:

  • Proof of possession of Aadhaar number
  • Valid Driving License
  • Valid Passport
  • Voter’s Identity Card
  • Letter issued by National Population Register Containing Details of Name and Address

View More

Income Documents

Income Declaration

To submit proof of income, following documents are acceptable:

  • Last filed ITR, P&L statement, and Balance Sheet (audited/CA-certified)
  • Tax Audit Report (if applicable)
  • Bank statements (6-12 months)
  • Rental credits and registered rent agreement (if applicable)
  • Income verification documents (Bills, Day Book, Working Sheet, etc.)
  • Income Affidavit
  • Latest salary credits (6 months) and salary certificate
  • Current year GST return
  • ITR and financial statements (last 2 years, CA-certified)
  • Business continuity proof (3-5 years)
  • GST challans (last 1-3 quarters)

Property Documents

For Property Purchased Through Builder

  • Agreement to sell
  • Payment Receipts
  • Mortgage NOC
  • Cost Sheet

For Purchase of Resale Property

  • All Chain of Agreement
  • Society / Builder NOC
  • Share Certificate
Document-category
Business Self-Employed

KYC Documents

Address & Identity Proof

Pan Card or Form 60 is mandatory. For Proof of Address & Identification, any one of the following documents is acceptable:

  • Proof of possession of Aadhaar number
  • Valid Driving License
  • Valid Passport
  • Voter’s Identity Card
  • Letter issued by National Population Register Containing Details of Name and Address

View More

Income Documents

Income Declaration

To submit proof of income, following documents are acceptable:

  • Last filed ITR, P&L statement, and Balance Sheet (audited/CA-certified)
  • Bank statement showing rental credits & registered rent agreement (if applicable)
  • Latest bank statements (12-18 months)
  • Customer Profile (GHF format)
  • Latest salary credits (6 months) and salary certificate
  • GST returns (last financial year & current year)
  • Provisional financials for current FY
  • ITR and financial statements (last 2 years, CA-certified)
  • Practice continuity proof (3 years)
  • Tax Audit Report (if applicable)
  • Qualification certificate (if required)

Property Documents

For Property Purchased Through Builder

  • Agreement to sell
  • Payment Receipts
  • Mortgage NOC
  • Cost Sheet

For Purchase of Resale Property

  • All Chain of Agreement
  • Society / Builder NOC
  • Share Certificate
Document-category
Professional Self-Employed