Documents Galat ya Incomplete Hone Par Loan Kyun Reject Hota Hai? | Loansathi.in

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Introduction

India mein loan reject hone ke sabse common reasons mein se ek hai incomplete ya galat documents. Chahe aap personal loan apply karein, business loan, home loan ya LAP — documents ke bina koi bhi bank ya NBFC loan approve nahi karta.

Aksar applicants sochte hain ki bas PAN aur Aadhaar dene se loan mil jayega. Lekin asal mein har loan category ke liye alag-alag documents mandatory hote hain.

Loan Rejection Kyun Hota Hai Jab Documents Galat Ho?

• ✔ PAN & Aadhaar mismatch
• ✔ Address proof outdated ya incorrect
• ✔ Salary slip ya bank statement missing
• ✔ ITR file incomplete for self-employed
• ✔ Property papers legal clear na hona
• ✔ Documents par spelling errors

Note: Agar documents complete na ho to bank aapki file ko high risk category mein dal deta hai aur loan reject ho jata hai.

Mandatory Documents for Loan Approval

1. KYC Documents

• PAN Card
• Aadhaar Card / Passport / Voter ID
• Recent Passport Size Photograph

2. Income Proof (Salaried)

• Last 3 Months Salary Slips
• Last 6 Months Bank Statement
• Form 16 / Employment Proof

3. Income Proof (Self-Employed)

• Last 2 Years ITR
• Business Registration / GST Certificate
• 12 Months Bank Statement
• Office Address Proof

4. Property Related Documents (Home Loan / LAP)

• Property Title Deed
• Sale Agreement / Registry
• No Objection Certificate (if applicable)
• Latest Property Tax Receipts

Tips to Avoid Loan Rejection Due to Documents

• ✔ Sabhi documents updated rakho
• ✔ Aadhaar & PAN par details same ho (name, DOB, address)
• ✔ Bank statement aur salary slip fresh (latest 3–6 months)
• ✔ ITR timely file karo
• ✔ Property papers pehle hi verify kara lo
• ✔ Documents ki soft copy bhi ready rakho (digital upload ke liye)

Loansathi.in Aapki Madad Kaise Karta Hai?

Loansathi.in aapke loan application ko reject hone se bachata hai by providing a proper document checklist. 150+ Banks, NBFCs aur private funding partners ke network ke sath, hum ensure karte hain ki aapka loan delay na ho.

• ✔ Pre-verification of documents
• ✔ Guidance on missing papers
• ✔ Suggest best lender according to available documents
• ✔ Fast-tracked approval process

Conclusion

Incomplete ya galat documents ki wajah se loan reject hona common hai, lekin avoidable hai. Sahi documentation aur Loansathi.in ki guidance ke sath aap apne loan approval chances double kar sakte hain.

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