Before You Go to the Bank
Banks require a comprehensive set of documents to assess your eligibility and verify the property. Missing even one document can delay your application by weeks. Use this checklist to prepare completely before your first bank visit. Riddhi Siddhi Properties provides free document guidance — call us anytime.
Documents Required by All Applicants
Identity Proof (any one)
- Aadhaar Card (mandatory)
- PAN Card (mandatory)
- Passport
- Voter ID Card
- Driving Licence
Address Proof (any one)
- Aadhaar Card
- Passport
- Utility Bill (electricity/water)
- Rent agreement (notarized)
- Bank passbook with address
Income Proof (generic)
- Bank statements (last 6–12 months)
- ITR for last 2–3 years (if applicable)
- Form 26AS / AIS
Property Documents
- Sale Agreement / Allotment Letter
- Property title documents
- Approved building plan
- NOC from builder
- RERA registration number
- Property valuation report
For Salaried Employees
Salary Slips
Latest 3 months' salary slips from current employer
Employment Letter
Latest employment letter or appointment letter
Form 16
Form 16 for the last 2 financial years
Bank Statements
Salary account statements for last 6–12 months
IT Returns
ITR filed for last 2 years (with computation)
Increment Letter
If applied recently — proof of salary increment
Offer Letter
If you have recently changed jobs — offer letter from new employer
For Self-Employed / Business Owners
Business Proof
GST registration, Shop & Establishment certificate, or Business license
ITR (3 years)
Income Tax Returns with computation for last 3 financial years
P&L Statements
Profit & Loss statements certified by CA for last 3 years
Balance Sheet
Audited balance sheet for last 3 financial years
Bank Statements
Current account and savings account statements for 12 months
Partnership Deed
If business is a partnership — partnership deed copy
GST Returns
Latest 6–12 months GST returns (GSTR-3B) if applicable
Pro Tips from Our Team
💡 Carry self-attested photocopies of all documents along with originals.
💡 Maintain 2–3 sets of photocopies to submit to multiple banks simultaneously.
💡 A CIBIL score of 750+ significantly improves your loan approval chances and interest rate.
💡 Avoid taking new loans or making large transactions in the 6 months before applying.
💡 Some banks have specific formats for income computation — ask your branch manager.
Need Help with Your Loan Documents?
Keval Gala helps buyers prepare their complete loan file and liaises with bank representatives on their behalf — at no cost.
+91 80079 81876