1. Universal Documents (All Applicants & Loan Types)Proof of Identity (KYC): PAN Card (Mandatory) + any one of: Aadhaar Card, Passport, Voter ID, or Driving License.Proof of Residence/Address: Aadhaar Card, Passport, recent Utility Bill (Electricity, Water, Piped Gas - not older than 2-3 months), or registered Rent Agreement.Passport-Size Photographs: 2-3 recent color photos.2. Income & Financial ProofsFor Salaried ApplicantsSalary Slips: Last 3 to 6 months showing basic pay, allowances, and deductions (PF/TDS).Bank Statements: Last 6 months of the primary salary account (showing salary credits matching pay slips).Tax Proof: Form 16 (Part A & B) for the last 2 years, or Income Tax Returns (ITR) with computation.Job Stability Proof: Official Employee ID card, offer letter, or official company email verification.For Self-Employed Individuals / Business OwnersTax & Financial Records: Complete ITR with computation of income for the last 2 to 3 financial years.Audited Financials: Balance sheet and Profit & Loss (P&L) statements audited by a Chartered Accountant (CA).Banking: Last 6 to 12 months of current account statements (and savings account statements of the proprietor/partners).Business Legitimacy: GST Registration Certificate, Shop & Establishment License, Certificate of Incorporation (for Pvt Ltd), Partnership Deed (for firms), and MSME/Udyam Registration.3. Additional Documents for Home Loans (Property Documents)New / Under-Construction Property (Purchased from Builder)Allotment Letter or registered Agreement for Sale / Builder-Buyer Agreement.Payment Receipts: Proof of own contribution / advance token paid to the builder.NOC & Approvals: Approved building plan, Commencement Certificate (CC), and No Objection Certificate (NOC) from the developer/bank project tie-up.RERA Registration Number of the project.Resale Property (Purchased from an Individual)Title Deed Chain: Registered Sale Deed, conveyance deed, or gift deed tracing ownership history (usually for 13 to 30 years).Encumbrance Certificate (EC): Typically for the last 13 to 30 years showing no existing legal disputes or undisclosed mortgages.Tax Receipts: Latest property tax paid receipt.Society NOC & Share Certificate: In case of an apartment or housing society.Prior Loan Clearance: Nil Encumbrance or Loan Closure Letter if the seller had an active mortgage on the property.Tips to Avoid DelaysName Matching: Ensure names match exactly across PAN, Aadhaar, and bank records. A missing middle name or discrepancy in initials requires an affidavit.Clear Statement Exports: Always provide official PDF bank statements downloaded directly from net banking rather than low-resolution mobile screenshots or scans.No Unexplained Cash Flow: Multiple large, unverified cash deposits in the last 6 months can trigger underwriting queries during verification.