Complete Loan Documents & Re-Apply Support Guide (All Loan Types) | Loansathi.in
Loan Products, Required Documents & Support — Fill Forms Directly
Below you will find an exhaustive product guide for every loan type we provide — the required documents, the common reasons for rejection / re-apply, and direct links to each loan form (clickable & highlighted). Use the Table of Contents to jump to any loan type. Each highlighted product name opens the exact form on Loansathi.in in a new tab.
Easy Loan — Simple documents & quick processing
Easy Loan is ideal for small immediate needs where fast approval and minimal documentation matter most.
- PAN Card
- Aadhaar Card
- Last 3 months bank statement
- Low CIBIL
- Low Income
- Multiple enquiries
- Weak bank statement
How it works
Easy Loan requests are routed to lenders who have small-ticket quick-disburse products. If your application is rejected due to CIBIL or income thresholds, Loansathi can propose alternative lenders or a co-applicant option.
Personal Loan — Flexible, unsecured lending
Personal Loan offers funds without collateral and can be used for weddings, medical bills, travel, debt consolidation, and more.
- PAN Card
- Aadhaar Card
- Last 3 months salary slip
- Last 3 months bank statement
- Low CIBIL
- Multiple enquiries
- High credit usage
- Low salary
- Old loan default
- Previous loan rejection
- Existing high EMI burden
Practical tips to improve approval odds
- Keep EMI-to-income ratio below 40% before applying.
- Upload clear payslips and make sure salary name matches PAN/Aadhaar records.
- If rejected previously, use Loansathi’s refile support to route your application to alternative NBFCs/banks.
Education Loan — Funding for students & parents
For studies in India or abroad, the Education Loan covers tuition, hostel, travel and related education expenses.
- Student PAN & Aadhaar
- Parent PAN & Aadhaar
- Student photo
- Admission letter / Bonafide certificate
- Parent 6 months bank statement
- Parent income proof
- Multiple enquiries
- Parents low CIBIL
- Low parent income
- Weak parent banking
- Previous loan default (parent)
Advice for student applicants
Parents with strong banking and verified income improve approval chances. If parental CIBIL is an issue, Loansathi can help identify lenders and co-applicant structures that accept alternate eligibility evidence.
Credit Card Loan / EMI Loan — Convert purchases into EMIs
Convert large purchases into easy EMIs or opt for short-term loans using card-linked products. Use the Credit Card Loan form to start.
- PAN Card
- Aadhaar Card
- Last 3 months salary slip
- Last 3 months bank statement
- Low CIBIL
- Low salary
- Multiple enquiries
- Weak bank statement
- Over-limit card usage
- High credit card usage
- Old credit card default
- Existing loan EMI burden
Tip: Keep credit card utilization under 30% and pay off high-interest balances before applying to improve offers.
Business Loan — Working capital & growth finance
Business loans support working capital, equipment purchase, expansion or digital upgrades. Start with the Business Loan form.
- PAN Card
- Aadhaar Card
- Last 3 months bank statement
- Udyam registration
- Business proof
- ITR (optional)
- GST (optional)
- Low CIBIL
- GST mismatch
- Low ITR income
- Multiple enquiries
- Business too new
- Low bank turnover
- Weak banking pattern
- Cash business profile
- High existing loan burden
How Loansathi helps MSMEs
We prepare a concise business snapshot and route your profile to lenders who consider alternate data (POS receipts, merchant statements) for underwriting. The right packaging improves sanction probability.
Home Loan — Purchase, construction & refinance
Home loans are larger-ticket and require careful documentation. Use the Home Loan form for inquiries.
- PAN Card
- Aadhaar Card
- Recent photo
- Last 6 months bank statement
- Salary slip / ITR
- Property papers
- Address proof
- Low CIBIL
- Old loan default
- Multiple enquiries
- High existing EMIs
- Low income eligibility
- Weak bank statement
- Low property valuation
- Property paper incomplete
Note: Ensure property titles and valuations are clear before applying — missing chain documents or tax receipts delay underwriting.
Quick Loan — Fast, short-term credit
For urgent needs with minimal delays, Quick Loan delivers rapid underwriting and disbursal for eligible applicants.
- PAN Card
- Aadhaar Card
- Last 3 months salary slip
- Last 3 months bank statement
- Low CIBIL
- Low salary
- Old loan default
- Multiple enquiries
- High credit usage
- Cash salary profile
- EMI bounce history
- Over-limit credit card
- Weak bank statement
- Previous loan rejection
Top-Up Loan — Additional funds on existing loan
Top-up loans let you borrow extra against your active loan account. Use the Top-Up Loan form if you already have an eligible loan.
- PAN Card
- Aadhaar Card
- Existing loan statement
- Last 6 months bank statement
- Salary slip / ITR
- Low CIBIL
- Multiple enquiries
- Old loan default
- Address mismatch
- EMI bounce history
- Low income eligibility
- Weak bank statement
- Old rejection impact
- High existing EMI burden
- Loan outstanding too high
- Existing loan not seasoned
Gold Loan — Pledge gold for quick credit
Gold loans are secured by your gold jewellery. Hallmarked gold gets faster valuation and better LTV.
- PAN Card
- Aadhaar Card
- Gold items (hallmarked preferred)
- Recent photo
- Low CIBIL
- Low income
- Multiple enqu