Home Loan Guide

Home Loan Documents
Complete Checklist

Everything you need to know about documents required for a home loan in India — for salaried employees, self-employed professionals, and property-related paperwork.

Note: Document requirements vary slightly between lenders, property types (ready-to-move vs. under-construction), and states. The checklist below covers the standard requirements. Taksh Fin will give you a precise, lender-specific checklist at no cost.

All Applicants

Identity Documents

Required from every applicant, regardless of employment type.

PAN Card

Mandatory for all loan applications

Aadhaar Card

For identity and address proof

Passport / Voter ID / Driving Licence

Any one — alternate identity document

Recent passport-size photographs

2–3 copies, white background

Address Proof

Any one document showing your current residential address.

Aadhaar Card

If current address matches

Utility bill (electricity / gas / water)

Not older than 3 months

Bank passbook or bank statement with address

Current address must match

Rent agreement

If renting — registered agreement preferred

Income Documents

For Salaried Employees

Applicable to employees of private companies, MNCs, PSUs, and government organisations.

Last 3 months salary slips

With employer seal/signature

Form 16 (last 2 years)

Issued by employer; or ITR with acknowledgement

Bank statements — 6 months

Salary account; shows credit pattern

Employment letter / appointment letter

Required by some lenders

Employee ID card

Soft copy acceptable for most lenders

For Self-Employed Borrowers

Applicable to business owners, professionals (CA, doctor, architect), contractors, and traders.

ITR with computation — last 2 years

Filed and acknowledged; must show consistent income

Audited P&L statement and Balance Sheet — last 2 years

CA-certified; for professional income, CA certificate

Bank statements — last 12 months

Business current account; shows cash flow

Business registration certificate

GST registration, shop act, or equivalent

Partnership deed / MOA-AOA

If firm or company — for business structure proof

GST registration and returns

Last 1 year returns where applicable

Property Documents

Property Documents

Provided by the builder (new projects) or collected from the seller (resale). Not all documents apply to every property type — our advisors will identify which are needed for yours.

Sale agreement / Agreement to sell

Signed between buyer and seller/builder

Title deed / Chain of title documents

For resale properties — original sale deeds

Approved building plan

Municipality-approved; builder provides for new projects

RERA registration certificate

For under-construction projects — verify at state RERA

NOC from builder / RWA / housing society

As applicable for the property type

Encumbrance certificate

For resale — confirms no existing loans on property

Property tax receipts

Last 2–3 years; for resale properties

Khata / Patta / Revenue records

State-specific land records; required in Bengaluru, Hyderabad

FAQ

Common Questions

Can I apply for a home loan with missing documents?
You can initiate the process and get an in-principle approval even before all documents are ready. However, final sanction and disbursement require complete documentation. Taksh Fin will tell you exactly which documents are essential for your specific lender and property.
My Aadhaar address is different from my current address — is that a problem?
It's common. You can provide a utility bill, rent agreement, or bank statement with your current address as a separate address proof. Aadhaar serves as identity proof in that case. Most lenders accept this combination.
Do I need to submit original documents for a home loan?
For the application stage, most lenders accept scanned copies or digital uploads. Original documents are verified — and sometimes temporarily held — at the time of property legal verification and disbursement. Taksh Fin will inform you exactly when originals are needed.
What documents are needed for a balance transfer home loan?
In addition to the standard KYC and income documents, a balance transfer requires: your existing loan account statement (last 12 months), a No Objection Certificate (NOC) from your current lender, and a property document set (same as a fresh home loan). Taksh Fin will guide you through this.
I am self-employed but do not file ITR — can I get a home loan?
Most lenders require at least 2 years of filed ITR for self-employed borrowers. If your ITR is not in order, we can guide you on regularising filings before applying. Some NBFCs offer bank-statement-based loan programs for borrowers with less formal income documentation — at slightly higher rates.

Not Sure What You Need?

Tell us about your property and income — we'll give you a precise, lender-specific checklist. Free.