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Home Loan - Documentation | IDFC FIRST Bank

Documentation

1. Photo identity proof (self-attested copy of any one document*)

  • Passport
  • Voters ID
  • Driving license
  • PAN, If not available then Form 60 is mandatory document
  • UID Certificate (Aadhaar card )

2. Address Proof (self-attested copy of any one document* )

  • Passport
  • Driving License
  • Aadhaar Card
  • Voter ID

 

Income proof (self-attested copy of any one document*)

Salaried individual:

  • Last two months’ salary slip/salary certificate
  • Latest year’s ITR with income computation/Form 16. Note: If bonus is considered in eligibility, we will have to take last two years ITR/Form 16
  • Last six month’s bank statement reflecting salary credits. Note: Cash salary cases not allowed
  • Repayment track/bank statements proof of track with loan sanction letter/amortization schedule

Self-employed individual:

  • Income tax return with income computation (as applicable)
  • Balance sheets and P&L accounts with schedules (as applicable)
  • GST return for the number of months not covered in the latest financial year
  • Credit card statement for 6 months (required in case of banking surrogate)
  • Copy of Contract Order and Form 16 A (applicable only if income is from contracts)
  • Bank statements for the last 6 months - from business account of the firm/ company and savings
  • Account of the individual borrower and co-borrowers, if income being considered.
  • Repayment track/bank statements proof of track with loan sanction letter/amortization schedule.

 

Property proof (self-attested copy of any one document*)

  • Photocopy of draft sale deed and chain title documents (if any) 
  • Allotment/Possession letter
  • No objection certificate from the society and other documents as per legal report

 

Business proof (self-attested copy of any one document*)

  • Shop establishment certificate (first priority).
  • Trade/professional license (sales tax number, importer's /exporter's code)
  • GST return
  • Paid telephone bill (landline/postpaid mobile phone). Not older than 90 days from loan application
  • Paid electricity bill. Not older than 90 days from loan application.
  • Registered or notarized rent deed
  • Property allotment letter from government/registered societies.
  • Property papers-unregistered sale deed plus GPA
  • Property registered deed
  • Latest updated bank passbook/bank statements in borrower's name (subject to bank acct being 6 months and CPV confirms the same address)