Home Loan Documents: The Complete Checklist

Most home loans are not delayed by the lender. They are delayed by one missing paper. If you collect everything on this list before you apply, the lender can check your file in one go.

Papers every applicant needs

• PAN card.
• Aadhaar card, or another identity and address proof such as passport or voter card.
• Recent passport-size photographs.
• Bank statements of the last 6 months for every account your income comes into.
• Details of loans you are already paying, with the latest statement of each.

If you are salaried

• Salary slips of the last 3 months.
• Form 16 of the last 2 years.
• Your appointment letter or a letter from your employer, if you joined in the last year.

If you are self-employed

• ITR with computation of income for the last 2 to 3 years.
• Balance sheet and profit and loss account, signed by your CA.
• Business proof: GST certificate, Udyam registration, shop licence or partnership deed.
• Bank statements of the business account for the last 12 months.

Property papers

• Agreement to sell, or the allotment letter from the builder.
• The chain of earlier sale deeds, for a resale property.
• The approved building plan and the completion or occupancy certificate, where given.
• Latest property tax receipt and electricity bill.
• A no-objection certificate from the society or builder, where needed.
• Receipts of the payments you have already made to the seller or builder.

If there is a co-applicant

A husband, wife or parent who joins the loan gives the same KYC and income papers. A co-applicant with income can raise the amount you are eligible for.

Why files get stuck

• The name is spelled differently on PAN and Aadhaar.
• The bank statement is a screenshot, not the full statement from the bank.
• One link in the chain of property deeds is missing.
• Salary is paid in cash and does not show in the bank account.

Fix these before you apply. A lender may still ask for one or two more papers for your own case, and that is normal.

The short version

Keep three sets ready: who you are, what you earn, and what you are buying. Clear scans, same name on every paper, and full bank statements.

Comparing offers on BankLoanKart is free, and we never ask for money before a loan is approved. Share your details once and a loan adviser will tell you honestly what is possible.