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Home Learning Hub Document Checklist
📋 Updated for 2026

Loan Documents
Complete Checklist

Never ask "kya documents chahiye?" again. Complete checklist for every loan type - Personal, Business, Home, Car, and LAP. Share with your customers directly.

💼 Personal (Salaried) 🏪 Personal (Self-Emp) 🏭 Business Loan 🏠 Home Loan 🏢 LAP 🚗 Car Loan
6
Loan Types Covered
50+
Documents Listed
100%
Free Access
2026
Updated
💼

Personal Loan - Salaried

Complete document checklist

Min Income
₹15,000 - ₹25,000/month
Min CIBIL
700+
🪪 Identity Proof
PAN Card
Required
Aadhaar Card
Required
Passport / Voter ID / Driving License
If Applicable
🏠 Address Proof
Aadhaar Card (if address updated)
Required
Utility Bill (Electricity/Gas/Water - last 3 months)
If Applicable
Rent Agreement (if rented)
If Applicable
💰 Income Proof
Latest 3 Months Salary Slips
Required
Last 6 Months Bank Statement (salary account)
Required
Form 16 / IT Returns (last 2 years)
Required
Employee ID Card
If Applicable
Appointment/Offer Letter
If Applicable
📄 Other Documents
Passport Size Photos (2-4)
Required
Signed Application Form
Required
🏪

Personal Loan - Self Employed

Complete document checklist

Min Income
₹2,00,000+/year (ITR)
Min CIBIL
700+
🪪 Identity Proof
PAN Card
Required
Aadhaar Card
Required
🏠 Address Proof
Aadhaar Card / Utility Bill
Required
Office Address Proof
Required
💰 Income Proof
ITR with Computation (last 2 years)
Required
Last 12 Months Bank Statement
Required
Profit & Loss Statement
If Applicable
Balance Sheet (CA certified)
If Applicable
🏢 Business Proof
Business Registration Certificate
Required
GST Registration Certificate
Required
Shop & Establishment License
If Applicable
Partnership Deed / MOA-AOA
If Applicable
📄 Other Documents
Passport Size Photos
Required
Business Vintage Proof (3+ years preferred)
If Applicable
🏭

Business Loan / MSME Loan

Complete document checklist

Min Income
₹5,00,000+/year turnover
Min CIBIL
650+
🪪 Identity Proof
PAN Card (Individual + Business)
Required
Aadhaar Card of Proprietor/Directors
Required
🏠 Address Proof
Residence Address Proof
Required
Business Address Proof
Required
💰 Income Proof
ITR with Computation (last 2-3 years)
Required
Last 12 Months Bank Statement (all accounts)
Required
GST Returns (last 12 months)
Required
Audited Balance Sheet & P&L
Required
🏢 Business Proof
Business Registration / Incorporation Certificate
Required
GST Registration Certificate
Required
Udyam Registration (MSME)
Required
Partnership Deed / MOA-AOA
Required
Board Resolution (for companies)
If Applicable
Trade License
If Applicable
📄 Other Documents
KYC of all Directors/Partners
Required
Passport Size Photos
Required
Sanction Letter of Existing Loans
If Applicable
🏠

Home Loan

Complete document checklist

Min Income
₹25,000+/month
Min CIBIL
700+
🪪 Identity Proof
PAN Card
Required
Aadhaar Card
Required
🏠 Address Proof
Current Address Proof
Required
💰 Income Proof
Salary Slips (6 months) - for Salaried
Required
Bank Statement (6-12 months)
Required
Form 16 / ITR (2-3 years)
Required
Employment Certificate
If Applicable
📋 Property Documents
Sale Agreement / Allotment Letter
Required
Title Deed / Mother Deed
Required
Approved Building Plan
Required
Encumbrance Certificate (EC) - 13-30 years
Required
Property Tax Receipts
Required
NOC from Builder/Society
Required
Possession Letter (if ready)
If Applicable
OC/CC (Occupancy/Completion Certificate)
If Applicable
Chain of Documents (previous sale deeds)
Required
📄 Other Documents
Passport Size Photos
Required
Processing Fee Cheque
Required
Co-applicant KYC (if applicable)
If Applicable
🏢

Loan Against Property (LAP)

Complete document checklist

Min Income
₹30,000+/month
Min CIBIL
650+
🪪 Identity Proof
PAN Card
Required
Aadhaar Card
Required
🏠 Address Proof
Current Residence Proof
Required
💰 Income Proof
Income Documents (as per employment type)
Required
Bank Statement (12 months)
Required
ITR (last 3 years)
Required
📋 Property Documents
Original Property Documents
Required
Title Deed
Required
Encumbrance Certificate (15-30 years)
Required
Property Tax Receipts
Required
Approved Plan & Sanctions
Required
Chain Documents
Required
NOC from Society (if applicable)
If Applicable
📄 Other Documents
Existing Loan Statements (if any)
If Applicable
Photos of Property
Required
🚗

Car Loan

Complete document checklist

Min Income
₹20,000+/month
Min CIBIL
700+
🪪 Identity Proof
PAN Card
Required
Aadhaar Card
Required
Driving License
If Applicable
🏠 Address Proof
Address Proof (Aadhaar/Utility Bill)
Required
💰 Income Proof
Salary Slips (3 months) - Salaried
Required
Bank Statement (6 months)
Required
ITR (2 years) - Self Employed
Required
🚗 Vehicle Documents
Proforma Invoice from Dealer
Required
Quotation with Ex-showroom & On-road Price
Required
Insurance Quote
If Applicable
📄 Other Documents
Passport Size Photos
Required
3 Blank Cheques (for EMI)
Required

Pro Tips for Document Collection

Advice that will save you and your customers time

📱

Collect Digitally

Ask customers to send clear photos/scans via WhatsApp. Most banks accept digital copies for initial processing.

📅

Check Dates

Bank statements should be latest (not older than 15 days). Salary slips should be consecutive months. ITR should include computation.

🔍

Verify Names

Name should match across all documents - PAN, Aadhaar, Bank Statement, Salary Slip. Even small spelling differences cause rejection.

🏦

Salary Account Statement

Always ask for salary account statement, not savings account. Banks check salary credits specifically.

📋

Property Documents

For Home Loan/LAP - always check if property is approved by the bank. Unapproved properties get rejected regardless of income.

⚡

Collect Everything Upfront

Don't apply with incomplete documents. Banks mark files as "pending" and it delays processing. Collect 100% before submission.

⚠️ Common Document Mistakes That Cause Rejection

✗ Bank statement is PDF from net banking (not stamped) - Some banks reject this
✗ Aadhaar address different from current residence - Update Aadhaar first
✗ ITR filed but no computation sheet - Bank needs both
✗ Salary slip from email (screenshot) - Need original PDF or printed copy
✗ Property EC only 7 years - Banks need 13-30 years EC for home loan
✗ Form 16 Part A only - Need both Part A and Part B
📋

Bookmark This Page

Use this checklist every time a customer asks about documents. Share the link directly with customers for their reference.

✓ Personal Loan ✓ Business Loan ✓ Home Loan ✓ Car Loan ✓ LAP
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