Home Loan Documents Checklist for Salaried & Self-Employed

Most home loan delays come from missing paperwork. Keep this checklist handy and your file will move from login to sanction much faster.

For everyone

• Completed application form with photographs
• PAN card (mandatory)
• Aadhaar, passport or voter ID for address proof
• 6 months' bank statements of the salary or main business account

Salaried applicants

• Last 3 months' salary slips
• Form 16 for the last 2 years
• Employment letter if you've been in the job less than a year

Self-employed applicants

• ITR with computation of income for the last 2–3 years
• Audited balance sheet and profit & loss statement
• Business registration proof: GST, Udyam or shop licence

Property documents

• Allotment letter or agreement for sale
• Title deed chain and encumbrance certificate
• Approved building plan and NOC from the society or builder
• Receipts of payments made to the builder or seller