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 Loan / Secured Funding
10 document groups to prepare
For project finance, construction finance, term loans and any facility backed by property or other security. 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, Udyog Aadhaar 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
Proprietorship / Individual — Project Loan / Secured Funding
- 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, Udyog Aadhaar 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 Loan / Secured Funding
- 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, Udyog Aadhaar, 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 Loan / Secured Funding
- 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, Udyog Aadhaar, 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 Loan / Secured Funding
- 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, Udyog Aadhaar, 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 Loan / Secured Funding
- 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 Loan / Secured Funding
- 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 / LAP
- 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
- Udyog Aadhaar, 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 / LAP
- 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
- Udyog Aadhaar, 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 / LAP
- 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
- Udyog Aadhaar, 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 / LAP
- 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
- Udyog Aadhaar, 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 / LAP
- 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 / LAP
- 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.
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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