Key takeaway
A simple checklist of documents needed for personal, home and business loans.
Which KYC documents are needed for a loan?
- PAN card
- Aadhaar card, passport, voter ID or driving licence
- Recent photograph
Which income documents do salaried applicants need?
- Last 3 months salary slips
- Last 6 months bank statement
- Form 16 or latest ITR
Which documents do businesses need?
- Last 2–3 years ITR with computation
- Audited financials (if applicable)
- 6–12 months business bank statements
- GST registration and returns
- Business registration / Udyam certificate
Frequently asked questions
Most lenders accept digital copies and e-KYC. Original documents may be verified at disbursal, especially for secured loans.
Sources & editorial policy
Content is researched from official sources such as the Reserve Bank of India (RBI), credit bureaus and lender websites, and reviewed periodically. Rates and charges change often – always confirm the latest terms with the lender.