Documents Required:
1 Application form duly complete and signed.
2 Two passport size photographs
3 Proof of Identification: (any one)
o Photo Identity card issued by the current Employer.
o Electoral ID Card
o Passport
o Driving Licence
o Pan Card etc.
4 Proof of Residence: (any one)
o Electoral ID Card
o Passport
o Electricity Bill
o Telephone bill (Landline)
5 Original/Certified copy of the latest salary slips for the past 3 months. (Salaried Persons)
6 Proof of Business address, in case of non-salaried persons.
7 Personal Asset & Liability statement (in Bank’s format)
8 Bank Account Statement for the last 6 months. (in case of Other Bank)
9 Loan account statement for last six months (if availed from any Bank/FII)
10 Copies of IT returns of last 3 years duly acknowledged by IT Deptt/IT assessment orders or Form No. 16.
11 Bio-data covering educational qualifications, age, job experience, nature of profession/ business etc., with
necessary proof.
12 Guarantor forms along with net worth proof / income proof. (if applicable)
13 Guarantor’s IT returns of last 2 years.
14 Undertaking from the employer for remittance of monthly installment, wherever feasible.
Property documents:
1 Receipt for payments made for purchase of the residential unit.
2 Copy of approved drawings of proposed construction / purchase.
3 Permission from competent authority for construction of flat/house
4 Permission from competent authority under Urban Land Ceiling & Regulation Act,1976
5 Agreement for sale / sale deed / detailed cost estimate from Architect / Engineer for the property to be
Constructed.
6 Allotment letter from the co-operative society/ association of apartment owners.
7 Other documents depending upon -
a) Property to be purchased directly from builder (ready / under construction).
b) Property belonging to a Registered Co-operative Housing Society.
c) Purchase in resale.
d) Direct sale by any Development Authority.
MODEL CHECK LIST FOR RETAIL LOANS