By Anjaneyulu Yadav · Updated 2026-11-08
Most home loan delays aren't about eligibility — they're about missing documents. Keep this checklist ready before you apply and your file moves much faster.
1. KYC documents (all applicants)
- PAN card
- Aadhaar card
- Passport-size photographs
- Current address proof if different from Aadhaar
2. Income documents — salaried
- Last 3–6 months salary slips
- Form 16 for the last 2 years
- 6 months salary account statement
- Employee ID card and appointment / confirmation letter if you recently joined
3. Income documents — self-employed
- ITR with computation for the last 2–3 years
- Profit & loss account and balance sheet (CA-certified where required)
- 12 months current and savings account statements
- Business proof: GST certificate, trade licence, Udyam or shop establishment
No ITR? Some lenders assess income from bank statements and business proof instead. See home loans without ITR.
4. Property documents
- Sale deed / agreement of sale
- Link (parent) documents showing the chain of ownership
- Encumbrance certificate (EC)
- Approved building plan and layout approval (GHMC / HMDA / DTCP)
- Latest property tax receipt
- For new flats: builder allotment letter, agreement, RERA registration and NOC
5. Existing loans
- Sanction letters and 12-month repayment statements of running loans
Tips that prevent rejections
- Don't apply at many banks at once — every hard enquiry shows on your CIBIL report.
- Make sure your name matches exactly on PAN, Aadhaar and property documents.
- Avoid large unexplained cash deposits in the months before applying.
Not sure which documents apply to you? Send us your details on WhatsApp and we'll tell you exactly what your bank will ask for.