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Buyer Guide

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For Self Employed
  • Last 3 Year Income Tax return along with Profit & loss a/c, computation of income, and balance sheet certified by C.A of Individual & Company.
  • Audit report for last 2 years( If applicable)
  • Last 6 month Bank Statement (Saving & Current a/c) (Till Date) in Original of Individual & Company
  • Advance tax challans copy( Sale Tax, Income tax, VAT)
  • Residence Proof & Office Address proof (electricity bill, phone bill, letter from employer, original bank statement, passport copy).
  • Age /DOB Proof, Photo ID Proof (Passport, Pan Card etc).
  • One Photograph each of Applicant & Co-applicant (passport size).
  • Processing fee cheque of Rs (0.5% + service tax) in favor Any Banks from your salary account
  • Loan details if any loan running at present of Individual & Company (sanction letter copy or track record ).
  • MOA of the company( In case of Pvt. Ltd company)
  • Shareholding Pattern on company letterhead.( In case of Pvt. Ltd company)
  • List of director attested by C.A
  • Form 26AS for AY 15-16, 16-17, 17-18 of Individual & Company.

NOTE: All documents should be self attested.

  • Last 3 Year Income Tax return along with Profit & loss a/c, computation of income, and balance sheet certified by C.A of Individual & Company.
  • Audit report for last 2 years( If applicable)
  • Last 6 month Bank Statement (Saving & Current a/c) (Till Date) in Original of Individual & Company
  • Advance tax challans copy( Sale Tax, Income tax, VAT)
  • Residence Proof & Office Address proof (electricity bill, phone bill, letter from employer, original bank statement, passport copy).
  • Age /DOB Proof, Photo ID Proof (Passport, Pan Card etc).
  • One Photograph each of Applicant & Co-applicant (passport size).
  • Processing fee cheque of Rs (0.5% + service tax) in favor Any Banks from your salary account
  • Loan details if any loan running at present of Individual & Company (sanction letter copy or track record ).
  • MOA of the company( In case of Pvt. Ltd company)
  • Shareholding Pattern on company letterhead.( In case of Pvt. Ltd company)
  • List of director attested by C.A
  • Form 26AS for AY 15-16, 16-17, 17-18 of Individual & Company.

NOTE: All documents should be self attested.

  • Date of birth proof of all applicants.
  • Aaddhar Card of all applicants.
  • ID proof of all applicants. (Pan Card)
  • Residence proof of all applicants.
  • Photograph of all applicants duly self-attested on the front side.
  • Latest 6 months salary slip in original or fly attested by HR/Accounts dept.(If there is variation in gross salary too then 6 months salary slips) & CTC (if required).
  • Latest six-month bank statement (Till Date) in which salary is credited (original).
  • Latest Form 16 along with ITR (Assesment year 2016-2017 & 2017-18).
  • Copy of Appointment Letter/Contract Letter in case of job changed within one year along with previous employer’s Form 16.
  • In case of any loan EMI going from your any of your other bank, then copy of bank statement for latest six months along with a sanction letter (of that loan) or latest track record.
  • Latest Qualification Certificate (Higher professional Certificate).
  • Marriage certificate copy in case of a wife as an applicant (If title change).
  • Ration card copy in case of Parent or Sibling as an applicant.
  • Copy of Property Papers (In case of direct allotment – Payment Receipt, Allotment letter or Booking booklet will do).
  • Processing Fee for Rs. -/- in favor of “Any Banks” loan amount less then 20 lacs processing fee is ( .5% + GST 18% on loan amount).
  • Legal Fee of Rs. 3500/- in case of registered sale and Rs. 2500/- in case of unregistered sale from Secondary market purchase.
  • Possession Letter of Property.
  • An estimate of proposed work from an Architect.
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    • Dully filled & signed application NRI loan application form.
    • One passport size photograph to be affixed to the application form & to be self-attested by applicant &/ co-applicant.
    • Copy of identifies proof of both applicant &/ co-applicant. (Passport, pan card, driving license).
    • Copy of residence proof of both Indian and overseas address of applicant&/coapplicant. (Utility bill- electricity/telephone bill, lease agreement, passport, bank statement, letter from employer).
    • Copy of visa stamped on the passport. ( last visit details to be highlighted)*
    • Copy of employment contract.
    • Website address of the employer and contact details of HR Manager
    • Copy of last 3 months salary slip/ original salary certificate.
    • Bank statement of the overseas bank account for the last 6 months. (salary credits & rent paid to be highlighted)
    • Bank Statement of the NRE/NRO account for the last 6 months.( in India)
    • Profile of the applicant&/coapplicant and qualification proofs
    • Past occupational history (in case of fewer than 2 years of work experience or recent change in employment)
    • Copy of Latest Income tax return (Form W 2 in US, P60 in UK)
    • Details of any other loan availed from any other bank/financial institution in India or overseas.(to be mentioned on the application form)
    • Bank statement showing repayment of the loans availed from any other bank/ financial institution for the last 6 months/repayment track record from the bank/ financial institution the loan has been availed from.
    • Credit Bureau Report (incase facility not available in the country applicant&/ co-applicant are based at that declaration to be collected mentioning details of any other loans availed)
    • Processing fee cheque in favor of “Any Banks” from NRE/NRO account.
    • Power of attorney details or local contact person’s details to be updated on the application form
    • In case property is selected, a copy of property documents are also required. (please provide details such as complete property address, owners & payment made to the builder from own sources ) * In case customer is permanent resident of the overseas country then permanent resident card will be required.

    NOTE: All the documents to be self attested.
    If the documents are in a language other than English an English translation of the same attested by the embassy should be provided.
    In case of applicant/& co-applicant is not present in India at the disbursement of the loan and POA has been identified then KYC documents of the applicant &/ co-applicant to be attested by the notary public or Indian Embassy. Or the customer can provide banker’s certificate from his bank on their letterhead mentioning that applicant &/ co-applicant are KYC complied with the bank.