Top 10 Documents Jo Loan Apply Karne Mein Jaruri Hote Hain

Loansathi.in ke expert kehte hain ki loan approval sirf CIBIL par depend nahi karta — documents bhi equally important hote hain. Sahi documents hone par approval speed badh jaata hai aur rejection ke chances almost half ho jaate hain.

► 1. Identity Proof (ID Proof)

Loan apply karte waqt identity verify karna sabse pehla step hota hai. Banks aur NBFCs applicant ke ID proof ke bina koi loan process nahi karte.

— Acceptable ID Proofs:

• • Aadhaar Card
• • PAN Card
• • Passport
• • Voter ID
• • Driving License

Ensure karein ki aapke documents par name aur date of birth same ho sabhi proofs mein.

► 2. Address Proof (Residential Proof)

Address proof aapke permanent aur current residence ko verify karta hai. Agar rented accommodation mein rehte hain, to rent agreement bhi valid hota hai.

— Common Address Proofs:

• • Electricity Bill / Water Bill (Recent 3 months)
• • Passport or Aadhaar Card
• • Registered Rent Agreement

► 3. Income Proof

Income proof lender ko batata hai ki aapka repayment capacity kitna strong hai. Agar income proof incomplete ho to application reject ho sakta hai.

— Required Documents:

• • Salary Slip (last 3 months)
• • Form 16 / Appointment Letter
• • Bank Statement (6 months salary account)

► 4. Employment Proof (for Salaried)

Job verification aur stability proof ke liye lenders aapka employment record dekhte hain.

• • Employee ID Card
• • Appointment / Increment Letter
• • HR Verification (if requested)

► 5. Financial Proof (for Self-Employed)

Agar aap self-employed hain to financial proof show karna zaruri hai — jisse lender aapke business cash flow samajh sake.

— Mandatory for Business Owners:

• • ITR for last 2 years
• • GST Return copies
• • Business registration / Shop license
• • Bank Statement (current account 6 months)

More info at: Loansathi Business Loan

► 6. Age Proof

Har lender ke apne minimum aur maximum age criteria hote hain. Usually, 21–60 years range valid hoti hai.

— Acceptable Age Proof:

• • Birth Certificate
• • Aadhaar Card
• • PAN Card
• • Passport

► 7. Photographs (Passport Size)

Fresh passport-size photos hamesha required hote hain for KYC and application verification. Digital upload version bhi accepted hai.

► 8. Signature Proof

Applicant ka signature match karna lender ke liye important step hota hai. Mismatch hone par loan delay ya reject dono possible hai.

— Solution:

Same signature use karein on all documents — ID, PAN, and bank records.

► 9. Loan-Specific Documents

Loan ke type ke hisaab se extra documents maange ja sakte hain:

• • Home Loan – Property documents & sale agreement
• • Education Loan – Admission letter & fee structure
• • Personal Loan – Salary or ITR proof
• • Business Loan – GST & business license

► 10. Co-Applicant or Guarantor Documents (If Applicable)

Joint application me co-applicant ke documents bhi same tarah required hote hain.

• • Co-applicant’s ID & Address Proof
• • Income Proof or ITR
• • Relationship proof (Marriage / Birth certificate)

Trusted Guidance by Loansathi.in

— Har loan ke liye document checklist alag hoti hai, lekin basic KYC, income aur bank proofs sabmein common hain.

— Incomplete documents se loan delay hota hai. Apply karne se pehle sabhi proofs ready rakhein. — For smooth experience, Loansathi.in par single form bhar kar multiple lender options compare karein.

Note: Document requirement har lender ke policy ke hisaab se thoda vary kar sakta hai. Hamesha latest checklist Loansathi team se verify karein.