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Confirmation of Income
  • Salaried Applicant has to provide two recent consecutive pay slips or a copy of employment contract or a letter from employer.

  • Appointment Letter.

  • Salary Certificate.

  • Retainership Agreement, in case of a consultant.

  • FORM 16 issued by the employer.

  • Last three years income tax returns duly filed and certified by the Income Tax Authorities.

  • Self-employed Applicant has to provide copies of last two Financial Accounts as prepared by their accountant.

  • Similar document -separately for each co-applicant.

Age Proof

  • Voter's ID card.

  • Passport.

  • Ration card.

  • PAN card.

  • Employer's Identity card.

  • School leaving certificate.

  • Birth certificate.

Residence Proof

  • Voter's ID card.

  • Ration Card.

  • Passport.

  • PAN card.

  • Rent agreement (if you are residing in a rented house).

  • Bank Pass book.

  • Quarters Allotment Letter from the company (if you are residing in company quarters).

Name Change Proof (If Applicable)

  • A copy of the official gazette.

  • A copy of a newspaper advertisement publicizing the name change.

  • Marriage certificate.

  • Employer's Identity card.

  • School leaving certificate.

  • Birth certificate.

Investment Proof (If Applicable)

  • Bank statement for the last six months of all operating and salary accounts.

  • Any other photocopies of investments held, if required by the Bank.

Property Title Proof (If Identified)

  • Original Sale agreement with builder/developer duly registered and registration receipt.

  • Tripartite agreement from builder/developer.

  • Land documents indicating ownership, eg. - Photocopies of title deeds, if applicable.

  • A certificate by the legal advisor of the builder to the effect that the builder has a good reputation and it is free from encumbrance and other charges.

  • A certificate from builder's chartered accountant certifying that the builder has not mortgaged the property anywhere else.

  • Certified true copy of approved plan.

  • Copies of receipts of payments made to builder/developer.

  • Allotment letter.

  • Possession letter.

  • Lease agreement, if applicable (Property bought from a development authority).

  • Mortgage deed if the Bank opts for a registered mortgage.

  • No objection certificate from the developer, society or development authority as applicable.

  • Personal guarantees, if applicable.

  • In case of alternate or additional security, documents for the same depending upon the security details.

  • For self-construction: Approved plans and clearance certificates along with estimates.

  • Post dated cheques for the EMIs

Confirmation of Rental Income

  • Copy of the existing tenancy agreement, or a rental appraisal, from a local real estate agent signed by branch manager, or rental manager.

Deposit or Investments

  • Evidence of your deposit or investment funds, i.e. a bank statement or term deposit receipt.

  • For low equity loans (5-19% deposit), copy of your savings account statements over the last six months.

Sale and Purchase Agreement

  • If you are planning to buy a property, please provide a copy of the successful sale and purchase agreement signed by both you and the vendor.

  • If you are planning to sell or have already sold your existing property, please provide a copy of that property's sales and purchase agreement.

Government Valuation and rating System

Please provide a copy of the latest Government or Ratings Valuation. Depending on the age and value indicated in conjunction with the amount required to borrow, the bank may require a registered valuation and your banker will advise you.

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