Home Loans

Home Loans

Get started on your Home Loan journey

Home Loan Documents Required

	Identity Proof (any one)	Residence Proof (any one)	Other Documents
	Driving License	Copy of Electricity Bill/Water Bill/Telephone Bill	Employer Identity Card
	PAN Card	Copy of valid Passport/Aadhaar Card/Driving License	Duly filled loan application form affixed with 3 passport size photographs
	Voter ID		Loan account statement for the previous 12 months if the applicant has any other ongoing loan from other banks/financial institutions
	Valid Passport		Bank account statements for all the bank accounts owned by the applicant for the last six months

Income Proof Documents

	For Self-employed Applicant/Co-applicant:	For Salaried Applicant/Co-applicant:
	Income Tax Returns for the last 3 years	Salary Slips for the last three months
	Certificate of Qualification (for Doctors/CA and other professionals)	Copy of Form 16 or Income Tax Returns for the last two years
	Balance Sheet audited by a certified CA and Profit and Loss account for the previous 3 years
	Business License Details
	Business address proof
	TDS Certificate

Home Loan Eligibility

	Eligibility Criteria	Requirement
	Age	Minimum Age: 18 years and Maximum Age: 70 years
	Resident Type	The applicant must be (any one): Resident Indian Non-Resident India (NRI) Person of Indian Origin (PIO)
	Employment	The applicant can be (any one): Salaried Self-employed
	Net Annual Income	At least Rs.5-6 lakh depending on the type of employment
	Residence	The applicant must have (any one): A permanent residence A rented residence where he/she has resided for at least a year prior to applying for a loan
	Credit score	A good credit score of at least 750 or more obtained from a recognised credit bureau