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To apply for a personal loan, you must furnish the necessary documents to the lender. The lender will verify and assess your application and then decide if you are eligible for the personal loan or not. The common list of documents are listed below

  1. Identity Proof: Name, age, gender etc.

  2. Residence Proof: Permanent and current place of residence

  3. Employment Proof: Whether you are salaried or a self-employed applicant(business), name of the organisation

  4. Income Proof: Your net monthly in-hand income

Personal Loan Documents for Salaried & Self-Employed 

Following are the documents required for personal loan for Salaried Employees and Self-employed Professionals:

Type of Proof

Salaried Employees

Self-Employed Individual

Identity Proof

Address Proof

  • Passport

  • Aadhaar Card

  • Utility Bills (Water/electricity/gas bills)

  • Ration Card

  • Driving Licence

  • Property documents

  • Electricity bill

  • Maintenance bill

Proof of Business Ownership

Not Applicable 

  • Property documents

  • Maintenance bill

  • Electricity bill

Proof of Business Existence

Not Applicable 

  • Maintenance bill

  • Property documents

  • Electricity bill

  • Tax registration copy

Income Proof

  • Salary slips of the last three months

  • Bank statement for the previous six months

  • Employment certificate from the current employer

  • Income tax returns for the previous two years inclusive of Computation of Income, audit report, balance sheet, etc.

  • Bank statement of past one year


One passport size colour photograph


Personal Loan Documents for NRIs and Pensioners

Following are the personal loan documents for NRIs and Pensioners:

Type of Proof



Identity Proof

  • Copy of your passport

  • Copy of your visa

  • Ration card

  • PAN card

  • Voter ID card

  • Passport

  • Driving licence

  • Birth certificate

  • Aadhaar card

Address Proof

  • Appointment letter

  • Identity Card

  • Official email ID

  • Passport

  • Ration card

  • Utility bills

  • Driving licence

Income Proof

  • Bank statement of last 6 months

  • Salary slips

  • Copy of Bank pass book

  • Bank statements of the last 6 months

  • Form 16

  • Income tax returns

  • Copy of pension payment order


Passport-size photographs

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FAQs on Personal Loan Documents

✔️Do I have to submit my original KYC documents when applying for a personal loan?

You can submit the photocopies of the KYC documents. However, keep the original documents handy in case required for cross-verification.

✔️Are the documents required to apply for a personal loan the same across lenders?

It may vary from lender to lender. Based on the personal loan application process, you may be asked to submit some additional documents depending on the lender.

✔️Can I apply for a personal loan without a PAN card?

As per the tax laws, PAN card is a must when applying for a Personal Loan. In case the loan amount is below Rs. 50,000, then you can get a Personal Loan.