Documents & Application Process

• Applicant and co-applicant KYC: PAN, Aadhaar, photograph, and company ID, where applicable.
• Company offer letter, if requested by the lender.
• Last 6 months’ salary slips.
• Income tax returns / Form 16 for the last 2 years, as applicable.
• Details and sanction letters for existing loans, along with repayment history.
• Property papers, which may include:
  • Property deed
  • Current tax receipt
  • Land record / RoR (as locally applicable)
  • Land revenue receipt
  • Sanctioned building plan
  • Mother deed
• Salary account bank statement.

The precise identity and property documents depend on the lender, the property’s location and the individual case.

The lender may request additional documents or waive some items depending on the case. Please confirm the latest requirements with our team before preparing or sharing documents.

• Company PAN, current trade licence (if applicable), GST registration certificate (if applicable) and relevant GST returns for the requested period.
• Memorandum and Articles of Association (MOA and AOA).
• Company income tax returns for the last 3 years, with complete supporting financial statements and computation of income, as applicable.
• Profit and loss statements, balance sheets, tax audit reports, and applicable audit forms / CA certificates — if applicable / as requested by the lender.
• List of directors and shareholders.
• List of sundry debtors and creditors.
• Directors’ KYC documents, such as PAN, voter ID (where accepted) and photographs.
• Company bank statements for the requested period (our preliminary checklist suggests 12 months).
• Existing loan sanction letters and repayment track record, if applicable.
• Property deed, chain deed, tax records, mutation certificate and other lender-required property papers.
• Sanctioned building plan, where applicable.

Accounting forms and certificates are listed only as “if applicable / as requested by the lender” — they are not universal requirements.

The lender may request additional documents or waive some items depending on the case. Please confirm the latest requirements with our team before preparing or sharing documents.

• Firm PAN, GST certificate (if applicable) and current trade licence (if applicable).
• Partners’ KYC documents, such as PAN, accepted identity proof and photographs.
• Income tax returns for the last 3 years, with computation of income and supporting financial statements, as applicable.
• Profit and loss statements, balance sheets, tax audit reports and applicable CA certificates, if requested.
• Partnership deed.
• Partner list on the firm’s letterhead, if requested.
• Property deed, current tax records, sanctioned plan, mother deed and other lender-required property documents.
• List of sundry debtors and creditors.
• Firm bank statements (our preliminary checklist suggests 12 months).
• Existing loan sanction letters and repayment history, if applicable.

The lender may request additional documents or waive some items depending on the case. Please confirm the latest requirements with our team before preparing or sharing documents.

• Trade licence history for the last 3 years, if applicable and requested.
• Current account bank statements for the last 12 months, as per our preliminary checklist.
• GST returns, including GSTR-3B where applicable.
• Income tax returns for the last 3 years, with computation of income and supporting financial statements, as applicable.
• Tax audit report and relevant CA certificates / forms, if applicable and requested by the lender.
• Applicant and co-applicant KYC documents.

Requirements may differ for proprietorships, partnerships, LLPs, private limited companies and other business structures.

The lender may request additional documents or waive some items depending on the case. Please confirm the latest requirements with our team before preparing or sharing documents.