1. Universal Documents (All Applicants & Loan Types)

Proof of Identity (KYC): PAN Card (Mandatory) + any one of: Aadhaar Card, Passport, Voter ID, or Driving License.

Proof of Residence/Address: Aadhaar Card, Passport, recent Utility Bill (Electricity, Water, Piped Gas - not older than 2-3 months), or registered Rent Agreement.

Passport-Size Photographs: 2-3 recent color photos.

2. Income & Financial Proofs

For Salaried Applicants

Salary Slips: Last 3 to 6 months showing basic pay, allowances, and deductions (PF/TDS).

Bank Statements: Last 6 months of the primary salary account (showing salary credits matching pay slips).

Tax Proof: Form 16 (Part A & B) for the last 2 years, or Income Tax Returns (ITR) with computation.

Job Stability Proof: Official Employee ID card, offer letter, or official company email verification.

For Self-Employed Individuals / Business Owners

Tax & Financial Records: Complete ITR with computation of income for the last 2 to 3 financial years.

Audited Financials: Balance sheet and Profit & Loss (P&L;) statements audited by a Chartered Accountant (CA).

Banking: Last 6 to 12 months of current account statements (and savings account statements of the proprietor/partners).

Business Legitimacy: GST Registration Certificate, Shop & Establishment License, Certificate of Incorporation (for Pvt Ltd), Partnership Deed (for firms), and MSME/Udyam Registration.

3. Additional Documents for Home Loans (Property Documents)

New / Under-Construction Property (Purchased from Builder)

Allotment Letter or registered Agreement for Sale / Builder-Buyer Agreement.

Payment Receipts:



Proof of own contribution / advance token paid to the builder.

NOC & Approvals: Approved building plan, Commencement Certificate (CC), and No Objection Certificate (NOC) from the developer/bank project tie-up.

RERA Registration Number of the project.

Resale Property (Purchased from an Individual)

Title Deed Chain: Registered Sale Deed, conveyance deed, or gift deed tracing ownership history (usually for 13 to 30 years).

Encumbrance Certificate (EC): Typically for the last 13 to 30 years showing no existing legal disputes or undisclosed mortgages.

Tax Receipts: Latest property tax paid receipt.

Society NOC & Share Certificate: In case of an apartment or housing society.

Prior Loan Clearance: Nil Encumbrance or Loan Closure Letter if the seller had an active mortgage on the property.

Tips to Avoid Delays

Name Matching: Ensure names match exactly across PAN, Aadhaar, and bank records. A missing middle name or discrepancy in initials requires an affidavit.

Clear Statement Exports: Always provide official PDF bank statements downloaded directly from net banking rather than low-resolution mobile screenshots or scans.

No Unexplained Cash Flow: Multiple large, unverified cash deposits in the last 6 months can trigger underwriting queries during verification.

- Experience

3 - 5 Years

- No. of Openings

10

- Education

Graduate (B.Com)

- Role

Verification Officer

- Industry Type

Accounting / Finance

- Gender

Male

- Age Limit

21 - 35 Yrs.

- Job Country

India

- Type of Job

Full Time

- Work Location Type

Work from Office

- Benefits include

Adaptable Working Hours, Mobile Allowance, Internet Allowance, Laptop

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