DOCUMENTS CHECKLIST
BANKING
PRODUCTS:-
HOME LOANS |
MORTGAGE LOANS | LOAN AGAINST PROPERTY (LAP) | LEASE RENTAL DISCOUNTING (LRD) |
COMMERCIAL PROPERTY PURCHASE LOAN (CPPL) | CONSTRUCTION FINANCE | PROJECT LOANS
| BUSINESS LOAN | SME LOANS
General
Requirements (In case of INDIAN RESIDENT):-
For SALARIED:
1) Application
Form with All Applicant & Co-Applicant Signature
2) 3-3
Photograph of All Applicant & Co-Applicant
3) KYC
Documents of All Applicants & Co-Applicant Separately:
a) Address
Proof: Valid Indian Passport / Driver's License / Aadhar Card/ Telephone Bill /
Electricity Bill / Bank Statement
b) Identity
Proof: Valid Indian Passport / Driver's License / Aadhar Card / Pan Card
c) Copy
of PAN Card
4) Age
Proof / Highest Qualification Degree Copy (Self-Attested)
5) Last
3 Months Salary Slip / Salary Certificate (If variable components like Over
Time and Incentives are reflected then salary slips for the past 6 months are
required) (Self-Attested)
6) Last 2
Years ITR & Form 16 Copies of Applicant & Co-Applicant (Self-Attested)
7) Appointment
/ Increment Letter / CTC
8) 2
Visiting Cards / ID Card Copy
9) Last
12 Months Bank Statement of All Bank A/c’s – Salary / Saving / Current / OD /
CC A/c (Print Out Original with Bank Stamp)
10) Proof
of Other Income (if any exist): Photocopy of Rental Receipts or documents
showing receipt of income & Rent/Lease Agreement. (Self-Attested)
11) Salary
/ Any Existing EMI to be Highlighted into Bank A/c (Mention the type of Loan on
EMI Amount)
12) For
COLLATERAL SECURITY OFFERED: All Properties Complete Paper Title Deed including
the previous Chain Link
Documents with Approved Sanction Map / Plan / Letter
Copies etc. and Proof of no encumbrances on the property, in case of Property
Term Loans / Loan Against Property. (Self-Attested)
13) All
Existing Loan Details (Loan Payment Schedule / Sanction Letter / Statement of
Account (Track Record) of Last 2 Years (Self-Attested)
14) Declaration
and documents clearly stating the end use of the loan.
15) The
Processing Fee will be collected in two parts. Account Payee Fee Cheque
(Upfront Initial Login Money for Legal & Technical) of Rs. 2500/- + Service
Tax @ 15% = 2875/- from Saving Bank (in which Salary Credits) A/c
(Non-Refundable)
+ Remainder
Processing Fees (as calculated on sanctioned value) + Service Tax to be
collected before Loan Disbursement (Processing Fee Paid is Non-Refundable).
16) All
Paper should be Self Attested & Submitted by Applicant & Co-Applicant
Separately / Individually.
For SELF
EMPLOYED:
For Proprietorship Firm:
1) Application
Form with All Applicant & Co-Applicant Signature
2) 3-3
Photograph of Proprietor & Co-Applicant
3) KYC
Documents of FIRM / Individual / Co-Applicant Separately:
a) Address
Proof (Residence & Office): Valid Passport / Driver's License / Aadhar
Card/ Telephone Bill / Electricity Bill / Bank Statement
b) Identity
Proof: Valid Passport / Driver's License / Aadhar Card / Pan Card
c) Copy
of PAN Card
4) Age
Proof / Highest Qualification Degree Copy of Proprietor & Co-Applicant
(Self-Attested)
5) Last
12 Months Latest Bank Statement of All Bank A/c’s - Saving / Current / OD / CC / NRE / NRO A/c’s (Print Out Original with
Bank Seal/Stamp & Sign) of FIRM / Individual /
Co-Applicant.
6) Last 3
Years ITR (with Computation of Income) & Complete Financials Details with
all Annexures / Schedules of FIRM / Individual /
Co-Applicant. (CA Attested)
7) Latest
Current Year Service Tax / Sales Tax / VAT return / Excise Registration and
Form 26 AS (CA Attested)
8) Proof
of Other Income (if any exist): Photocopy of Rental Receipts or documents
showing receipt of income & Rent/Lease Agreement. (Self-Attested)
9) Company
Profile on Letter Head / 2 Visiting Cards (Self-Attested)
10) Business
Registration Certificate (if Proprietorship Firm) (Self-Attested)
11) For
COLLATERAL SECURITY OFFERED: All Properties Complete Paper Title Deed including
the previous Chain Link
Documents with Approved Sanction Map / Plan / Letter
Copies etc. and Proof of no encumbrances on the property, in case of Property
Term Loans / Loan Against
Property / Performa invoice of machinery, in case of Plant & Machinery
Loans. (Self-Attested)
12) All
Existing Loan Details (Loan Payment Schedule / Sanction Letter / Statement of
Account (Track Record) of Last 2 Years of FIRM/Individual.
13) Declaration
and documents clearly stating the end use of the loan.
14) The
Processing Fee will be collected in two parts. Account Payee Fee Cheque
(Upfront Initial Login Money for Legal & Technical) of Rs. 5000/- + Service
Tax @ 15% = 5750/- from Primary Current A/c (Non-Refundable)
+ Remainder
Processing Fees (as calculated on sanctioned value) + Service Tax to be
collected before Loan Disbursement (Processing Fee Paid is Non-Refundable).
15) All Paper should be Self Attested
& Submitted by Applicant
& Co-Applicant Separately / Individually.
For Partnership Firm and
Private Limited Company:
1) Application
Form with All Applicant & Co-Applicant Signature
2) 3-3
Photograph of Each Partners / Directors
3) KYC
Documents of Company / Partners / Directors Separately (Self-Attested):
a) Address
Proof (Residence & Office): Valid Passport / Driver's License / Aadhar
Card/ Telephone Bill / Electricity Bill / Bank Statement
b) Identity
Proof: Valid Passport / Driver's License / Aadhar Card / Pan Card
c) Copy
of PAN Card
4) Age
Proof / Highest Qualification Degree Copy (Self-Attested)
5) Last
12 Months Bank Statement of All Bank A/c’s - Saving / Current / OD / CC / NRE / NRO A/c’s (Print Out Original with
Bank Seal/Stamp & Sign) of company/all partners/directors.
6) Last 3
Years ITR (with Computation of Income) along with current year's provisional
& Complete Financials Details with all Annexures / Schedules (CA
Attested) of Partnership Firm/Pvt. Ltd. Company
7) Latest
Current Year Service Tax / Sales Tax / VAT return / Excise Registration and
Form 26 AS (CA Attested)
8) Individual
3 years ITR with Computation of Income (COI) of all partners/directors. (CA Attested)
9) Proof
of Other Income (if any exist): Photocopy of Rental Receipts or documents
showing receipt of rental income & Rent/Lease Agreement. (Self-Attested)
10) Company
Profile on Letter Head / 2 Visiting Cards
11) Business
Registration Certificate (if Proprietorship Firm) Partnership Deed Copy (if
Partnership Firm) / Company Memorandum of Association (MOA) / Article of
Association (AOA), List of Director's Form 32 Copy & Shareholding Pattern attested by CA/CS.
12) For
COLLATERAL SECURITY OFFERED: All Properties Complete Paper Title Deed including
the previous Chain Link
Documents with Approved Sanction Map / Plan / Letter
Copies etc. and Proof of no encumbrances on the property, in case of Property
Term Loans / Loan Against
Property / Performa invoice of machinery, in case of Plant & Machinery
Loans. (Self-Attested)
13) All
Existing Loan Details (Loan Payment Schedule / Sanction Letter / Statement of
Account (Track Record with Current Outstanding) of Last 2 Years of Company /
Partners / Directors Separately.
14) Declaration
and documents clearly stating the end use of the loan.
15) The
Processing Fee will be collected in two parts. Account Payee Fee Cheque
(Upfront Initial Login Money for Legal & Technical) of Rs. 5000/- + Service
Tax @ 15% = 5750/- from Primary Current A/c (Non-Refundable)
+ Remainder
Processing Fees (as calculated on sanctioned value) + Service Tax to be
collected before Loan Disbursement (Processing Fee Paid is Non-Refundable).
16) All
Paper should be Self Attested & Submitted by Applicant & Co-Applicant Separately /
Individually.
Documentation Required For PERSONAL LOANS:-
1) 3 Passport Size
Photographs
2) KYC:- Copy of PAN Card
& Aadhar Card
Proof of Identity:-
Passport / Driving License / Voters ID / PAN Card (any one)
Proof of Residence:- Leave
and License Agreement / Utility Bill (not more than 3 months old) / Passport
(any one)
3) Documentation for
Salaried Applicants:-
a) Latest Bank Statement
of Last 3 Months (where salary/income is credited)
b) Latest Salary Slip of
Last 3 Months
c) Current dated Salary
Certificate with the latest Form 16 and ITR
4) Documentation for
Self-Employed Applicants:-
a) Latest Bank Statement
of Last 6 Months
b) Latest ITR or Form 16 /
Income Proof (audited financials for the last two years)
c) Office Address Proof
d) Proof of Continuity of
Business.
We are
authorised Channel Partners (DSA) of Multiple Banks / MNC / NBFC Companies /
ECB Finance / PRIVATE Funding etc.
PROPERTY
INSURANCE:
You would need
to insure your property with an insurance company against loss by fire,
earthquake, floods and other damages with LENDERs, as the beneficiary.
End Use of
Funds Sanctioned by LENDERs as LAP:
The funds
sanctioned by LENDERs as LAP may be used for business and general needs.
However, the funds should not be used for illegal or speculative purpose(s).
*DISCLAIMER: The above list
is indicative in nature and additional documents can be asked for. The above
stated requirements / documentation is subject to change at the sole discretion
of the LEDNERs. All LOANS / FUNDS will be Disbursed to you, Subject to terms & conditions and are at the sole discretion
applied as per LENDERs / RBI Regulations / Guidelines from time to time.
