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November 2025

Home Loan Documentation Checklist 2025: Complete Guide

Amit Verma
9 min read

Proper documentation is crucial for smooth home loan approval. As of November 2025, Indian banks have streamlined their documentation requirements while maintaining compliance standards. This comprehensive guide covers all documents needed for salaried, self-employed, and NRI borrowers.

Documents for Salaried Individuals

Identity Proof

  • Aadhaar Card (mandatory for most lenders)
  • PAN Card (mandatory for tax purposes)
  • Passport (valid for 6+ months)
  • Voter ID Card
  • Driving License

Address Proof

  • Aadhaar Card (serves as both identity and address proof)
  • Utility Bills (electricity, water, gas) - not older than 3 months
  • Rent Agreement (registered) with landlord's NOC
  • Property Tax Receipt
  • Bank Account Statement (showing current address)

Income Proof

  • Last 6 months salary slips (original with company seal)
  • Last 12 months bank statements (salary account)
  • Form 16 for last 2-3 financial years
  • IT Returns (acknowledged) for last 2-3 years
  • Employment Certificate or Appointment Letter
  • Employee ID Card (photocopy)
Documents for Self-Employed Individuals

Business Proof

  • Business Registration Certificate (ROC, Partnership Deed, LLP Agreement)
  • GST Registration Certificate and Returns (last 2 years)
  • Shop Act License or Trade License
  • Professional Qualification Certificates (for doctors, CAs, lawyers)
  • Business Continuity Proof (office rent agreement, utility bills)

Financial Documents

  • Last 3 years IT Returns with computation and acknowledgment
  • Last 12-24 months bank statements (business and personal accounts)
  • Audited Financial Statements (Balance Sheet, P&L, Cash Flow) for last 3 years
  • CA Certificate of Net Worth and Income
  • TDS Certificates (Form 26AS)
Property Documents

Purchase Documents

  • Sale Agreement or Allotment Letter from builder
  • Payment Receipts (all installments paid to builder)
  • Cost Sheet showing property value breakdown
  • Booking Form and Application

Title Documents

  • Chain of Title Deeds (last 30 years for resale property)
  • Encumbrance Certificate (EC) for last 13-30 years
  • Property Tax Receipts (last 3 years, all dues cleared)
  • Khata Certificate or Property Card
  • 7/12 Extract or Ferfar (for Maharashtra properties)

Approval Documents

  • Approved Building Plan from Municipal Authority
  • Commencement Certificate
  • Occupancy Certificate (OC) or Completion Certificate (CC)
  • RERA Registration Certificate (for under-construction properties)
  • NOC from Builder/Society
  • Environmental Clearance (if applicable)
Documentation Tips for Faster Approval
  • Keep Documents Ready: Prepare all documents before applying to avoid delays
  • Self-Attest Copies: Sign and date all photocopies with "True Copy"
  • Organize Chronologically: Arrange documents in order for easy verification
  • Digital Copies: Scan all documents and keep digital backups
  • Verify Accuracy: Double-check all details match across documents
  • Update Old Documents: Ensure utility bills and statements are recent (within 3 months)

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