Document Checklist
Documents Required For Your Loan Application
Keep your paperwork ready in advance — pick your loan type and entity type below to see the exact checklist our advisory team will request.
Existing loans, property and rental income
Lenders ask for these before anything else. Fill our obligation sheet online, or download the same format in Excel.
1. What kind of facility are you applying for?
2. What is your entity type?
Proprietorship / Individual — Project Funding — Existing Business
10 document groups to prepare
For project funding, construction finance, term loans and any secured facility for a business that is already running. Property papers are required.
- 3 years' Income Tax Returns, Balance Sheet, Audit Report (if applicable), and Company Profile
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- PAN Card, Aadhaar Card, and 1 year of all current-account banking (as shown in the Balance Sheet) till date; CC bank statement for 1 year if applicable
- Shop Act, latest office & residence telephone / electricity bill, Udyam Registration certificate, and new / old work orders
- Savings account banking — 6-month updated statement till date, and 2 photographs
- All loan sanction letters and closure letters, track record, and CC sanction letter if applicable
- GST certificate & 1 year of GST returns if applicable; CA-certified Net Worth Certificate
- All applicable permission letters — Water, Air Pollution, Electricity, SSI, etc.
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations required — machinery, construction, if applicable
Collateral Security Documents (for secured funding)
Needed only when a property is offered as security. Not required for an unsecured business loan.
If the property offered is an open plot
- Sale deed
- Sanctioned map of the layout / plot
- Latest 7/12 extract of the property
- Gaon Namuna 8-A of the property
- Non-agricultural (NA) order issued by the appropriate authority
- General Power of Attorney, if the transaction was carried out by a power-of-attorney holder
- Four-corner photographs of the property
- Latest cess / tax receipt of the property
If the property offered is a flat / shop / own constructed house
- Sale deed / Deed of Apartment / Deed of Assignment
- Sanctioned layout plan / building or apartment construction plan
- Property card / 7/12 extract, Fer-far nond vahi / Akhiv patrika of the property
- Commencement certificate of the building / apartment
- Latest tax receipt of the property
- Non-agricultural (NA) order issued by the appropriate authority
- Deed of declaration of the building
- General Power of Attorney, if the transaction was carried out by a power-of-attorney holder
Proprietorship / Individual — Project Funding — Existing Business
- 3 years' Income Tax Returns, Balance Sheet, Audit Report (if applicable), and Company Profile
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- PAN Card, Aadhaar Card, and 1 year of all current-account banking (as shown in the Balance Sheet) till date; CC bank statement for 1 year if applicable
- Shop Act, latest office & residence telephone / electricity bill, Udyam Registration certificate, and new / old work orders
- Savings account banking — 6-month updated statement till date, and 2 photographs
- All loan sanction letters and closure letters, track record, and CC sanction letter if applicable
- GST certificate & 1 year of GST returns if applicable; CA-certified Net Worth Certificate
- All applicable permission letters — Water, Air Pollution, Electricity, SSI, etc.
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations required — machinery, construction, if applicable
Partnership Firm — Project Funding — Existing Business
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the partnership firm
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Firm PAN Card, Udyam Registration, 1 year of all current-account banking (as shown in the Balance Sheet) till date, CC bank statement for 1 year if applicable, and company profile
- Shop Act, latest office telephone / electricity bill, GST certificate & 1 year of GST returns if applicable, and new / old work orders
- The firm's loan sanction letters and closure letters, and cash credit sanction letter if applicable
- Partnership deed, and latest residence telephone / electricity bill of all partners
- All partners' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All partners' loan sanction and closure letters, and track record if applicable
- All partners' savings account banking — 6-month updated statement, and 2 photographs each
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations — machinery, construction, if applicable
- All applicable permissions & certificates — Water, Air Pollution, Electricity, SSI, etc.
Private Limited Company — Project Funding — Existing Business
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the company
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Company PAN Card, Udyam Registration, 1 year of all current-account banking (as shown in the Balance Sheet) till date updated; CC bank statement for 1 year if applicable
- Shop Act, latest office telephone / electricity bill, MOA, AOA, and company profile
- The company's loan sanction letters, cash credit sanction letter and closure letters if applicable; GST certificate and 1 year of GST returns
- Shareholding pattern on company letterhead, attested by a CA
- All applicable permissions & certificates — Water, Air Pollution, Electricity, SSI, etc.; new / old work orders
- All directors' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All directors' loan sanction and closure letters, and track record if applicable
- All directors' 6-month updated savings account banking, and 2 photographs each
- All directors' CA-certified Net Worth Certificate, and latest residence telephone / electricity bill
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations — new machinery, construction, etc., if applicable
Limited Company — Project Funding — Existing Business
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the company
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Company PAN Card, Udyam Registration, 1 year of all current-account banking (as shown in the Balance Sheet) till date updated; CC bank statement for 1 year if applicable
- Shop Act, latest office telephone / electricity bill, MOA, AOA, and company profile
- The company's loan sanction letters, cash credit sanction letter and closure letters if applicable; GST certificate and 1 year of GST returns
- Shareholding pattern on company letterhead, attested by a CA
- All applicable permissions & certificates — Water, Air Pollution, Electricity, SSI, etc.; new / old work orders
- All directors' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All directors' loan sanction and closure letters, and track record if applicable
- All directors' 6-month updated savings account banking, and 2 photographs each
- All directors' CA-certified Net Worth Certificate, and latest residence telephone / electricity bill
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations — new machinery, construction, etc., if applicable
Public Trust — Project Funding — Existing Business
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the trust
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Trust PAN Card, and 1 year of all current-account banking as shown in the Balance Sheet till date
- Trust registration certificate, and latest trust office telephone / electricity bill
- All trust incorporation documents, trust deed, and trust signing-authority resolution if applicable
- Trust loan sanction letters, cash credit sanction letter, and loan closure letters if applicable
- All trustees' PAN Card, Aadhaar Card, 2 years' individual IT returns and Balance Sheet, and 6-month updated savings banking
- All quotations — new machinery, construction, etc., if applicable
- All property papers with sanctioned plan, all chain agreements, sale deed, and every document related to the property
Working Professional (Salaried) — Project Funding — Existing Business
- 2 years' Form 16, PAN Card, Aadhaar Card, company ID proof, and 2 photographs
- All savings account / salary account banking — 6-month updated statement till date
- All joining & relieving letters, experience letters, and professional degree certificate
- All loan sanction and closure letters if applicable
- Latest residence telephone / electricity bill; co-applicant's PAN, Aadhaar Card and 2 photographs
- If the current residence is rented, a registered rent agreement is required
- For a secured loan — all property papers, chain agreement, sale deed, sanctioned plan, etc.
Proprietorship / Individual — Project Funding — New Business / Startup
- Existing Income Tax Returns, Balance Sheet, Audit Report (if applicable / available), and Company Profile
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- PAN Card, Aadhaar Card, and 1 year of all current-account banking (as shown in the Balance Sheet) till date; CC bank statement for 1 year if applicable
- Shop Act, latest office & residence telephone / electricity bill, Udyam Registration certificate, and new / old work orders
- Savings account banking — 6-month updated statement till date, and 2 photographs
- All loan sanction letters and closure letters, track record, and CC sanction letter if applicable
- GST certificate & 1 year of GST returns if applicable; CA-certified Net Worth Certificate
- All applicable permission letters — Water, Air Pollution, Electricity, SSI, etc.
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations required — machinery, construction, if applicable
Partnership Firm — Project Funding — New Business / Startup
- Income Tax Returns, Balance Sheet and Audit Report of the partnership firm, if they exist
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Firm PAN Card, Udyam Registration, 1 year of all current-account banking (as shown in the Balance Sheet) till date, CC bank statement for 1 year if applicable, and company profile
- Shop Act, latest office telephone / electricity bill, GST certificate & 1 year of GST returns if applicable, and new / old work orders
- The firm's loan sanction letters and closure letters, and cash credit sanction letter if applicable
- Partnership deed, and latest residence telephone / electricity bill of all partners
- All partners' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All partners' loan sanction and closure letters, and track record if applicable
- All partners' savings account banking — 6-month updated statement, and 2 photographs each
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations — machinery, construction, if applicable
- All applicable permissions & certificates — Water, Air Pollution, Electricity, SSI, etc.
Private Limited Company — Project Funding — New Business / Startup
- Income Tax Returns, Balance Sheet and Audit Report of the company, if they exist
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Company PAN Card, Udyam Registration, 1 year of all current-account banking (as shown in the Balance Sheet) till date updated; CC bank statement for 1 year if applicable
- Shop Act, latest office telephone / electricity bill, MOA, AOA, and company profile
- The company's loan sanction letters, cash credit sanction letter and closure letters if applicable; GST certificate and 1 year of GST returns
- Shareholding pattern on company letterhead, attested by a CA
- All applicable permissions & certificates — Water, Air Pollution, Electricity, SSI, etc.; new / old work orders
- All directors' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All directors' loan sanction and closure letters, and track record if applicable
- All directors' 6-month updated savings account banking, and 2 photographs each
- All directors' CA-certified Net Worth Certificate, and latest residence telephone / electricity bill
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations — new machinery, construction, etc., if applicable
Limited Company — Project Funding — New Business / Startup
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the company
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Company PAN Card, Udyam Registration, 1 year of all current-account banking (as shown in the Balance Sheet) till date updated; CC bank statement for 1 year if applicable
- Shop Act, latest office telephone / electricity bill, MOA, AOA, and company profile
- The company's loan sanction letters, cash credit sanction letter and closure letters if applicable; GST certificate and 1 year of GST returns
- Shareholding pattern on company letterhead, attested by a CA
- All applicable permissions & certificates — Water, Air Pollution, Electricity, SSI, etc.; new / old work orders
- All directors' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All directors' loan sanction and closure letters, and track record if applicable
- All directors' 6-month updated savings account banking, and 2 photographs each
- All directors' CA-certified Net Worth Certificate, and latest residence telephone / electricity bill
- All property papers — chain agreement, sale deed, sanctioned plan, etc.
- All quotations — new machinery, construction, etc., if applicable
Public Trust — Project Funding — New Business / Startup
- Income Tax Returns, Balance Sheet and Audit Report of the trust, if they exist
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Trust PAN Card, and 1 year of all current-account banking as shown in the Balance Sheet till date
- Trust registration certificate, and latest trust office telephone / electricity bill
- All trust incorporation documents, trust deed, and trust signing-authority resolution if applicable
- Trust loan sanction letters, cash credit sanction letter, and loan closure letters if applicable
- All trustees' PAN Card, Aadhaar Card, 2 years' individual IT returns and Balance Sheet, and 6-month updated savings banking
- All quotations — new machinery, construction, etc., if applicable
- All property papers with sanctioned plan, all chain agreements, sale deed, and every document related to the property
Working Professional (Salaried) — Project Funding — New Business / Startup
- 2 years' Form 16, PAN Card, Aadhaar Card, company ID proof, and 2 photographs
- All savings account / salary account banking — 6-month updated statement till date
- All joining & relieving letters, experience letters, and professional degree certificate
- All loan sanction and closure letters if applicable
- Latest residence telephone / electricity bill; co-applicant's PAN, Aadhaar Card and 2 photographs
- If the current residence is rented, a registered rent agreement is required
- For a secured loan — all property papers, chain agreement, sale deed, sanctioned plan, etc.
Proprietorship / Individual — Business Loan / Unsecured Loan
- 3 years' Income Tax Returns, Balance Sheet, Audit Report (if applicable), and Company Profile
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- PAN Card, Aadhaar Card, and 1 year of all current-account banking (as shown in the Balance Sheet) till date; CC bank statement for 1 year if applicable
- Shop Act, and latest office & residence telephone / electricity bill
- Savings account banking — 6-month updated statement till date, and 2 photographs
- All loan sanction letters and closure letters, track record, and CC sanction letter if applicable
- GST certificate & 1 year of GST returns if applicable
- Udyam Registration, and new / old work orders
- Only for secured funding — all property papers: chain agreement, sale deed, sanctioned plan, etc. Mortgage is not required for an unsecured business loan.
Partnership Firm — Business Loan / Unsecured Loan
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the partnership firm
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Firm PAN Card, 1 year of all current-account banking (as shown in the Balance Sheet) till date; CC bank statement for 1 year if applicable
- Shop Act, latest office telephone / electricity bill, and GST certificate & 1 year of GST returns if applicable
- The firm's loan sanction letters and closure letters, and cash credit sanction letter if applicable
- Partnership deed, and latest residence telephone / electricity bill of all partners
- All partners' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All partners' loan sanction and closure letters, and track record if applicable
- All partners' savings account banking — 6-month updated statement, and 2 photographs each
- Udyam Registration, and company profile
- New / old work orders
- Only for secured funding — all property papers: chain agreement, sale deed, sanctioned plan, etc. Mortgage is not required for an unsecured business loan.
Private Limited Company — Business Loan / Unsecured Loan
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the company
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Company PAN Card, and 1 year of all current-account banking (as shown in the Balance Sheet) till date updated; CC bank statement for 1 year if applicable
- Shop Act, latest office telephone / electricity bill, MOA, AOA, and company profile
- The company's loan sanction letters, cash credit sanction letter and closure letters if applicable; GST certificate and 1 year of GST returns
- Shareholding pattern on company letterhead, attested by a CA
- Udyam Registration, all existing / new work orders, and SSI certificate if applicable
- All directors' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All directors' loan sanction and closure letters, and track record if applicable
- All directors' 6-month updated savings account banking, and 2 photographs each
- Only for secured funding — all property papers: chain agreement, sale deed, sanctioned plan, etc. Mortgage is not required for an unsecured business loan.
Limited Company — Business Loan / Unsecured Loan
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the company
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Company PAN Card, and 1 year of all current-account banking (as shown in the Balance Sheet) till date updated; CC bank statement for 1 year if applicable
- Shop Act, latest office telephone / electricity bill, MOA, AOA, and company profile
- The company's loan sanction letters, cash credit sanction letter and closure letters if applicable; GST certificate and 1 year of GST returns
- Shareholding pattern on company letterhead, attested by a CA
- Udyam Registration, all existing / new work orders, and SSI certificate if applicable
- All directors' individual PAN Card, Aadhaar Card, and 3 years' individual IT returns and Balance Sheet
- All directors' loan sanction and closure letters, and track record if applicable
- All directors' 6-month updated savings account banking, and 2 photographs each
- Only for secured funding — all property papers: chain agreement, sale deed, sanctioned plan, etc. Mortgage is not required for an unsecured business loan.
Public Trust — Business Loan / Unsecured Loan
- 3 years' Income Tax Returns, Balance Sheet and Audit Report of the trust
- Provisional Balance Sheet & Profit and Loss account for the recent period, if the latest Balance Sheet is more than 6 months old
- Trust PAN Card, and 1 year of all current-account banking as shown in the Balance Sheet till date
- Trust registration certificate, and latest trust office telephone / electricity bill
- All trust incorporation documents, trust deed, and trust signing-authority resolution if applicable
- Trust loan sanction letters, cash credit sanction letter, and loan closure letters if applicable
- All trustees' PAN Card, Aadhaar Card, 2 years' individual IT returns and Balance Sheet, and 6-month updated savings banking
- Only for secured funding — all property papers: chain agreement, sale deed, sanctioned plan, etc. Mortgage is not required for an unsecured business loan.
Working Professional (Salaried) — Business Loan / Unsecured Loan
- 2 years' Form 16, PAN Card, Aadhaar Card, company ID proof, and 2 photographs
- All savings account / salary account banking — 6-month updated statement till date
- All joining & relieving letters, experience letters, and professional degree certificate
- All loan sanction and closure letters if applicable
- Latest residence telephone / electricity bill; co-applicant's PAN, Aadhaar Card and 2 photographs
- If the current residence is rented, a registered rent agreement is required
- Only for secured funding — all property papers: chain agreement, sale deed, sanctioned plan, etc. Mortgage is not required for an unsecured loan.
Proprietorship / Individual — LC / BG
- KYC of the promoters — proprietor / partners / directors
- KYC of the firm / company
- Financials — latest 2 years, audited
- 1 year bank statement showing business transactions — CC / OD / current account
- Promoter details and business profile: background of the promoters, date of registration / incorporation, nature of business, vintage (number of years), number of employees
- Turnover of the last three years plus current-year turnover; top 5 customers (buyers and suppliers)
- Details of existing loans (bank, type of loan, loan amount), and factory / godown details
- Rental agreement copy, if the office is not owned
- LC / BG draft copy
Partnership Firm — LC / BG
- KYC of the promoters — proprietor / partners / directors
- KYC of the firm / company
- Financials — latest 2 years, audited
- 1 year bank statement showing business transactions — CC / OD / current account
- Promoter details and business profile: background of the promoters, date of registration / incorporation, nature of business, vintage (number of years), number of employees
- Turnover of the last three years plus current-year turnover; top 5 customers (buyers and suppliers)
- Details of existing loans (bank, type of loan, loan amount), and factory / godown details
- Rental agreement copy, if the office is not owned
- LC / BG draft copy
Private Limited Company — LC / BG
- KYC of the promoters — proprietor / partners / directors
- KYC of the firm / company
- Financials — latest 2 years, audited
- 1 year bank statement showing business transactions — CC / OD / current account
- Promoter details and business profile: background of the promoters, date of registration / incorporation, nature of business, vintage (number of years), number of employees
- Turnover of the last three years plus current-year turnover; top 5 customers (buyers and suppliers)
- Details of existing loans (bank, type of loan, loan amount), and factory / godown details
- Rental agreement copy, if the office is not owned
- LC / BG draft copy
Limited Company — LC / BG
- KYC of the promoters — proprietor / partners / directors
- KYC of the firm / company
- Financials — latest 2 years, audited
- 1 year bank statement showing business transactions — CC / OD / current account
- Promoter details and business profile: background of the promoters, date of registration / incorporation, nature of business, vintage (number of years), number of employees
- Turnover of the last three years plus current-year turnover; top 5 customers (buyers and suppliers)
- Details of existing loans (bank, type of loan, loan amount), and factory / godown details
- Rental agreement copy, if the office is not owned
- LC / BG draft copy
Public Trust — LC / BG
- KYC of the promoters — proprietor / partners / directors
- KYC of the firm / company
- Financials — latest 2 years, audited
- 1 year bank statement showing business transactions — CC / OD / current account
- Promoter details and business profile: background of the promoters, date of registration / incorporation, nature of business, vintage (number of years), number of employees
- Turnover of the last three years plus current-year turnover; top 5 customers (buyers and suppliers)
- Details of existing loans (bank, type of loan, loan amount), and factory / godown details
- Rental agreement copy, if the office is not owned
- LC / BG draft copy
Working Professional (Salaried) — LC / BG
- KYC of the promoters — proprietor / partners / directors
- KYC of the firm / company
- Financials — latest 2 years, audited
- 1 year bank statement showing business transactions — CC / OD / current account
- Promoter details and business profile: background of the promoters, date of registration / incorporation, nature of business, vintage (number of years), number of employees
- Turnover of the last three years plus current-year turnover; top 5 customers (buyers and suppliers)
- Details of existing loans (bank, type of loan, loan amount), and factory / godown details
- Rental agreement copy, if the office is not owned
- LC / BG draft copy
Exact requirements vary by lender and loan product. Our advisory team will share a customised checklist once your loan type is confirmed.
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