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Home loan applicants, whether salaried or self-employed, need to submit a certain set of documents to get their home loan application approved. Here is a comprehensive list of documents that one is required to submit while applying for a home loan:

1. Duly filled and signed home loan application form

2. Proof of Identity (any one of the following):

  • Aadhaar Card

  • Voter ID Card

  • PAN Card

  • Passport

  • Driving Licence

3. Proof of Residence (any one of the following):

  • Aadhaar Card

  • Voter ID Card

  • Bank Passbook

  • Ration Card

  • Passport

  • Utility bills (telephone bill, electricity bill, water bill, gas bill)

  • Insurance Policy Receipt

  • Letter from a recognised public authority verifying the applicant’s address

4. Proof of Age (any one of the following):

  • Aadhaar Card

  • PAN Card

  • Passport

  • Birth Certificate

  • Class 10th Marksheet

  • Bank Passbook

  • Driving Licence

5. Proof of Income:

a) For Salaried Applicants - 

  • Form 16

  • Certified letter from the employer

  • Payslips for last 2 months

  • Appraisal/Promotion letter

  • IT returns for past 3 years

  • Investment proofs (if any) like FDs, shares, etc.


b) For Self-Employed Applicants - 

  • Income Tax Returns (ITR) for last 3 years

  • Business Licence Details

  • Balance Sheet and Profit & Loss Account Statement of the Company/Firm (duly attested by a Chartered Accountant)

  • Licence of Professional Practice (for doctors, consultants, etc.)

  • Registration Certificate of Establishment (applicable for shops, factories, and other establishments)

  • Proof of business address

Property Documents Required for Home Loan

Apart from the KYC documents and proof of income documents, you also need to furnish some property-related documents. Here is a list of all the property documents that you need to submit along with your home loan application:

  1. Deed of Sale or Sale Agreement or Share Certificate (original) in case the property is located in a cooperative society

  2. Receipts for the taxes paid for the building and the land, certificate of possession, and certified sketch of the location of the property from revenue authorities

  3. Allotment letter from the society/housing board/private builder

  4. Receipts of advance payments in case of flat purchases

  5. Certificate of non-encumbrance encompassing the last 12 or 30 years

  6. Receipt of land tax payment and certificate of possession issued by the revenue authorities

  7. Approved building plan (showing floor plan for flat purchase)

  8. Original No Objection Certificate (NOC) issued under the ULC Act, 1976

  9. Copy of relative order if agricultural land is being converted

  10. No Objection Certificate (NOC) from builder/housing society

  11. A detailed estimate of the construction cost

  12. Letter from society/builder/housing board mentioning their bank and account details, for instalment remittance

  13. Report from a lawyer as per the standard format

  14. Report stating the valuation of property in the standard format by an empanelled valuer

  15. Power of Attorney for collecting original documents of the property 

  16. In the event of the demise of the borrower:

  • Letter requesting handing over of the property documents from legal heir/nominee(s)

  • Letter relinquishing the right to legal heirs/nominees for property documents handover 

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What If An Important Document is Missing

In case you miss submitting an important document, it can lead to the dismissal of your loan application.


In case any of the documents required are missing, here are a few things you can do to get your loan processed seamlessly.

  • Ask your lender whether any alternate documents can be submitted to replace the missing document

  • In case you do not have a certain document with you at the moment, write a letter to the lender requesting time to procure the document without hindering the loan process

  • File an FIR if your documents are missing. This report can then be shown to the lender when you apply for the loan


Now that you have learnt about the various documents required, apply for a home loan now! Make sure to keep all the required documents handy, prior to applying for the loan for a smooth and seamless process. Once these are verified, your loan is likely to be approved. Don’t wait any longer, get started today!

Home Loan Documents FAQs

What is the home loan documentation process?

The documentation process for a home loan is fairly simple. You can submit the required documents either as physical copies or you can also upload the soft copies of the same on the bank’s/NBFC’s website (most private sector banks and NBFCs allow submission of soft copies).

What documents are required to avail a home loan without ITR?

Approval of a home loan depends upon a number of factors like the applicant’s credit score, income, age, etc. You can get your home loan approved without submitting an ITR provided you furnish another proof of income such as salary slips, Form 16, increment/promotion letter, etc.

What are the basic documents required for a Home Loan?

The general documents include your Aadhaar card, PAN card, voter ID, passport and driver’s license, utility bills. Property documents include the sales deed or agreement/allotment letter, NOC from builder or society, possession/occupancy certificate, land tax receipt or construction cost estimate. 


You also need to furnish your payment receipt to the seller/builder, bank account statements and passport-size photographs. Salary slips or certificates, IT returns and passbook copies may also be needed.

Can I get a home loan with no documents?

You will need to submit a certain set of documents to avail a home loan. However, some private sector banks and NBFCs would process your home loan with minimal documentation.

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