Buyer's Guide

• 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.

• 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.

• 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.

• 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.