A. FOR SALARIED PROFESSIONALS

• Latest 3 months salary slip.
• form 16 for last last 3 Fin Years.
• 6 months salary bank account statement with last 6 salary reflections.
• Latest CTC letter
• If eligibility shortfall then last 2 years bonus salary slips and its bank relection satements.
• If current employment less than 2 years then proof of previous work exp.(appointment letter of previous co).
• If any existing loan then copy of sanction letter / EMI schedule / repayment track record (RTR) statement (Loan AC ST).
• If any past credit card or loan repayment issues then clarifications along with card statements and copy of correspondence made - for CIBIL.
• If CO-Applicant”s income to be considered then same set of documents as mentioned above for Applicant.

All co-owners in the property will have to be co-applicants in the loan even if their income is not considered for loan eligibility.

KYC Documents For Applicant & Co-applicant:

• Passport size photos.
• Photo identity proof(pan card).
• Residence proof (Aadhar Card / passport copy / copy of rent agreement / utility bills - electricity or MTNL).

All the photo copies to be self attested.

PROPERTY DOCUMENTS-legal & technical assessment:

• Chain of registered agreements.
• Copy of share certificate front and back.
• Copy of OC.

If OC not available-then:
• Copy of CC and approved plan.
• Copy of latest property tax bill issued by BMC to society.
• society registration copy.
• Mortgage NOC in favour of the bank from society as per banks format. (required during disbursement post registration).

B. Self Employed

• Last 3 years IT Saral, Computation of Income, Balance Sheet, P&L etc (full set) - self attested and also attested by CA if not audited
• Company PAN card copy.
• MOA & AOA if Pvt Ltd , Partnership Deed if partnership firm, shop and establishment if Proprietorship firm.
• GST certificate & TAN CERTIFICATE
• Business profile - printed or on letter head.
• Last one yr current account statement.
• 26AS for last 2 years and current F.Y.
• Off Add proof - latest utility bill etc.
• If any loans then copy of sanction letters / loan account statement.

KYC DOCUMENTS (For Both Applicant and Co-Applicant):

• Passport size photos.
• Photo identity proof(pan card).
• Residence proof (Aadhar Card / passport copy / copy of rent agreement / utility bills - electricity or MTNL).

All the photo copies to be self attested.

All co-owners in the property to be co-applicants in the loan. If any CIBIL issues then clarifications for the same.

PROPERTY DOCUMENTS-legal & technical assessment:
As mentioned above in salaried section

C. FOR NRI’s

Application Form Duly Signed

• Photograph duly cross signed ( 2 additional Photographs)
• ID Proof ( PAN Card for both applicant & co applicant)
• Address Proof ( Passport/Aadhar card for Both Applicant and  co applicant)
• Address proof of overseas address (for Both Applicant and  co applicant)
• copy of work permit card (for Both Applicant and  co applicant)
• Appointment letter
• Latest CTC letter
• Copy of Latest 6 month Salary Slips with last 6 month salary credit bank statement ( overseas account)
• Last 12 months Bank Statement NRO account Sanction Letter for existing loans ( with 12 months repayment track record or 12 months emi reflection in bank statement)
• Last 2 years job continuity proof
• Proof of Bonus or Incentive received in last 2 years ( in case it is required to enhance the eligibility)
• Copy of all pages of passport & Visa
• Overseas Credit Bureau report ( NRI CIBIL)
• Latest 3 month credit card statement for all the cards held.
• Copy of Qualification proof
• Letter confirmation / Appointment Letter from the employer ( confirming annual salary / current residence address / designation / Joining date / contact details) 

One Resident co applicant is compulsory in all NRI cases

SOME BANKS ASK FOR POWER OF ATTORNEY (POA) BY APPLICANT IN FAVOUR OF CO-APPLICANT AND EXECUTED & STAMPED BY INDIAN CONSULATE IN THE APPLICANTS COUNTRY AND NOTARISED LOCALLY.

PROPERTY DOCUMENTS SAME AS MENTIONED ABOVE IN SALARIED / SELF EMPLOYED CATEGORIES