Documents Required
Documents required for a loan
An indicative checklist to help you prepare. Each lender has its own requirements and may ask for more.
Common documents for most applications
Identity & KYC
- PAN card of applicant / business
- Aadhaar card
- Passport-size photographs
- Current address proof
Business proof
- Udyam registration
- GST registration certificate
- Partnership deed / LLP agreement / MoA & AoA
- Shop & establishment or trade licence
Income & banking
- ITR for last 2 to 3 years with computation
- Audited / CA-certified financial statements
- Bank statements for 6 to 12 months
- GST returns for 12 months
Property & security
- Sale deed and chain documents
- Approved building plan
- Latest property tax receipt
- Encumbrance / search report (as asked by lender)
Indicative documents by loan type
MSME & Business Loans
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Business proof: Udyam registration, GST registration, shop/trade licence or incorporation documents
- Income tax returns with computation for the last 2 to 3 years
- Audited / CA-certified balance sheet and profit & loss statement
- Bank statements of all operative accounts for the last 6 to 12 months
- Existing loan sanction letters and repayment schedules, if any
- Project report or quotations for the proposed purpose
Working Capital (CC / OD)
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Business proof: Udyam registration, GST registration, shop/trade licence or incorporation documents
- Income tax returns with computation for the last 2 to 3 years
- Audited / CA-certified balance sheet and profit & loss statement
- Bank statements of all operative accounts for the last 6 to 12 months
- Stock and debtors statements (ageing-wise)
- GST returns for the last 12 months
- Projected balance sheet / CMA data for the limit requested
Term Loan & Project Finance
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Business proof: Udyam registration, GST registration, shop/trade licence or incorporation documents
- Income tax returns with computation for the last 2 to 3 years
- Audited / CA-certified balance sheet and profit & loss statement
- Bank statements of all operative accounts for the last 6 to 12 months
- Detailed project report with cost of project and means of finance
- Quotations / proforma invoices for machinery or civil work
- Property documents or lease deed for project premises
Loan Against Property
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Income tax returns with computation for the last 2 to 3 years
- Bank statements of all operative accounts for the last 6 to 12 months
- Complete property chain documents, sale deed and approved plan
- Latest property tax receipt and society NOC (where applicable)
- Business proof and financials for self-employed applicants
Home Loan
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Salary slips and Form 16 (salaried) or ITR with financials (self-employed)
- Bank statements of all operative accounts for the last 6 to 12 months
- Agreement for sale / allotment letter and property chain documents
- Approved building plan and builder documents (for under-construction property)
Personal Loan
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Latest salary slips and Form 16, or ITR for self-employed applicants
- Bank statements for the last 3 to 6 months
- Employment proof / business proof
Bank Guarantee / Letter of Credit
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Business proof: Udyam registration, GST registration, shop/trade licence or incorporation documents
- Income tax returns with computation for the last 2 to 3 years
- Audited / CA-certified balance sheet and profit & loss statement
- Bank statements of all operative accounts for the last 6 to 12 months
- Tender document / work order / purchase contract
- Import/export code (IEC) for international trade, where applicable
Mutual Fund Services
- KYC: PAN and Aadhaar of applicant(s), photographs, address proof
- Cancelled cheque or bank proof
- Nominee details
Indicative only. The lender's policy and the official rules prevail. Abhigamyah Fins is a loan consultancy. We are not a bank or lender. All lending decisions, interest rates and terms are decided solely by the relevant lender. Loan approval is not guaranteed.
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