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Chek List of Borrower's Documents/Papers Required

(1) Applicant
a. Completed loan application.
b. 3 passport size photographs(including those affixed in loan application)
c. Proof of identification : Electoral ID Card/Passport/Driving License/PAN Card.
d. Proof of residence : Electoral ID Card/Passport/Electricity Bill/Telephone Bill.
e. Proof of business address, in case of Non-Salaried borrowers.
f. Statement of bank account for the last six months.
g. Signature identification from present bankers.
h. Personal Assets & Liabilities statement in Bank's standard format.
i. Brief write-up of securities charged in respect of other loans availed from Bank/ other Banks/Housing & Auto Finance Companies/other sources.

For NRI /PIO Borrowers
a. Completed loan application.
b. 3 passport size photographs including those fixed in the loan application.
c. Copy of passport including page containing visa stamping.
d. Copy of valid work permit.
e. Copy of employment contact (and English translation duly attested by employer/consulate/embassy/Bank's foreign office, if it is in any other language).
f. Latest salary certificate in original or proof of income in case of self employed/ professional.
g. Copy of identity card issued by the employer.
h. Proof of residence (Driving license/Utility bills etc.)
i. Copy of Continuous Discharge Certificate in respect of applicants employed in merchant navy.
j. Brief write-up of employment profile for the last 10 years.
k. Brief write-up on the company/institution where employed i.e. its constitution, activity, employee base, sales/net profit (approx.) etc.
l. Statement of overseas bank accont for the last six months which reflect credit of salary, savings etc.
m. Power of Attorney, if applicable, in Bank's standard format duly stamped and notarized/attested by Indian Embassy/Consulate.

(2) Guarantor
a. Personal Assets and Liabilities statement.
b. 2 passport size photographs.
c. Proof of identification as above.
d. Proof of residence as above.
e. Proof of business address as above.
f. Signature identification from his/her present bankers.

(3) Income
For Salaried Applicant : .
a. Original salary certificate for the last month.
b. TDS certificate - Form 16 or copy of I.T. Returns for the last two finanancial years, duly acknowledged by I.T. Department.*
For Professionals/Self Employed/Businessmen :
a. Three years I. T. Returns duly acknowledged by I.T. Dept./I.T. Assessment Orders for computation of Income.*
b. Copies of challans in respect of advance payment of income-tax*
(* Photocopies to be kept for our records after verification of the Originals with suitable noting regarding verification of the Original).

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