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.