Buyer's Guide

For Self Employed
  • Last 3 Year Income Tax return along with Profit & loss a/c, computation of income, and balance sheet certified by C.A of Individual & Company.
  • Audit report for last 2 years( If applicable)
  • Last 6 month Bank Statement (Saving & Current a/c) (Till Date) in Original of Individual & Company
  • Advance tax challans copy( Sale Tax, Income tax, VAT)
  • Residence Proof & Office Address proof (electricity bill, phone bill, letter from employer, original bank statement, passport copy).
  • Age /DOB Proof, Photo ID Proof (Passport, Pan Card etc).
  • One Photograph each of Applicant & Co-applicant (passport size).
  • Processing fee cheque of Rs (0.5% + service tax) in favor Any Banks from your salary account
  • Loan details if any loan running at present of Individual & Company (sanction letter copy or track record ).
  • MOA of the company( In case of Pvt. Ltd company)
  • Shareholding Pattern on company letterhead.( In case of Pvt. Ltd company)
  • List of director attested by C.A
  • Form 26AS for AY 15-16, 16-17, 17-18 of Individual & Company.

NOTE: All documents should be self attested.

For Self Employed Professional
  • Last 3 Years ITR + Computation of Income + Balance Sheet + P&L Account + Schedules, duly certified by CA, of the Company.
  • Provisional Balance Sheet & P&L Account with advance tax challan or 26AS or Form-16A for the Latest Year if not filed.
  • Audit report of last 2 year (If audited).
  • Bank Statement for latest 6 months of all Current Accounts of Company & of all Savings Account of Individual.
  • Details of all the obligations running
  • In case of any loan EMI going from any of your other banks, then copy of bank statement for latest 12 months. Along with a sanction letter (of that loan) or latest track record.
  • Date of Birth Proof of all the applicants (PAN CARD).
  • Current Residence of all applicant & Office address proof.
  • One Photograph of all the applicants.
  • Admin. Fees cheque from saving a/c: (0.5% of the Loan Amount+Rs -/) of Service tax or Rs-/ whichever is lower in favor of Any Banks.
  • Application form duly filled and signed by all the applicants.
  • Legal fee in case of resale property of Rs -/ at the time of transaction.

NOTE: Self attest all the documents & Photograph on the front side.

For Salary People
  • Date of birth proof of all applicants.
  • Aaddhar Card of all applicants.
  • ID proof of all applicants. (Pan Card)
  • Residence proof of all applicants.
  • Photograph of all applicants duly self-attested on the front side.
  • Latest 6 months salary slip in original or fly attested by HR/Accounts dept.(If there is variation in gross salary too then 6 months salary slips) & CTC (if required).
  • Latest six-month bank statement (Till Date) in which salary is credited (original).
  • Latest Form 16 along with ITR (Assesment year 2016-2017 & 2017-18).
  • Copy of Appointment Letter/Contract Letter in case of job changed within one year along with previous employer’s Form 16.
  • In case of any loan EMI going from your any of your other bank, then copy of bank statement for latest six months along with a sanction letter (of that loan) or latest track record.
  • Latest Qualification Certificate (Higher professional Certificate).
  • Marriage certificate copy in case of a wife as an applicant (If title change).
  • Ration card copy in case of Parent or Sibling as an applicant.
  • Copy of Property Papers (In case of direct allotment – Payment Receipt, Allotment letter or Booking booklet will do).
  • Processing Fee for Rs. -/- in favor of “Any Banks” loan amount less then 20 lacs processing fee is ( .5% + GST 18% on loan amount).
  • Legal Fee of Rs. 3500/- in case of registered sale and Rs. 2500/- in case of unregistered sale from Secondary market purchase.
  • Possession Letter of Property.
  • An estimate of proposed work from an Architect.
For NRIs
  • Dully filled & signed application NRI loan application form.
  • One passport size photograph to be affixed to the application form & to be self-attested by applicant &/ co-applicant.
  • Copy of identifies proof of both applicant &/ co-applicant. (Passport, pan card, driving license).
  • Copy of residence proof of both Indian and overseas address of applicant&/coapplicant. (Utility bill- electricity/telephone bill, lease agreement, passport, bank statement, letter from employer).
  • Copy of visa stamped on the passport. ( last visit details to be highlighted)*
  • Copy of employment contract.
  • Website address of the employer and contact details of HR Manager
  • Copy of last 3 months salary slip/ original salary certificate.
  • Bank statement of the overseas bank account for the last 6 months. (salary credits & rent paid to be highlighted)
  • Bank Statement of the NRE/NRO account for the last 6 months.( in India)
  • Profile of the applicant&/coapplicant and qualification proofs
  • Past occupational history (in case of fewer than 2 years of work experience or recent change in employment)
  • Copy of Latest Income tax return (Form W 2 in US, P60 in UK)
  • Details of any other loan availed from any other bank/financial institution in India or overseas.(to be mentioned on the application form)
  • Bank statement showing repayment of the loans availed from any other bank/ financial institution for the last 6 months/repayment track record from the bank/ financial institution the loan has been availed from.
  • Credit Bureau Report (incase facility not available in the country applicant&/ co-applicant are based at that declaration to be collected mentioning details of any other loans availed)
  • Processing fee cheque in favor of “Any Banks” from NRE/NRO account.
  • Power of attorney details or local contact person’s details to be updated on the application form
  • In case property is selected, a copy of property documents are also required. (please provide details such as complete property address, owners & payment made to the builder from own sources ) * In case customer is permanent resident of the overseas country then permanent resident card will be required.

NOTE: All the documents to be self attested.
If the documents are in a language other than English an English translation of the same attested by the embassy should be provided.
In case of applicant/& co-applicant is not present in India at the disbursement of the loan and POA has been identified then KYC documents of the applicant &/ co-applicant to be attested by the notary public or Indian Embassy. Or the customer can provide banker’s certificate from his bank on their letterhead mentioning that applicant &/ co-applicant are KYC complied with the bank.