Sanction Checklist

Personal & Additional Information

Accurate details build your loan profile instantly, avoiding delays and back-and-forth.

Pro Tips:

• Match names exactly with PAN/Aadhaar to avoid mismatches.
• Keep mobile and email active for OTPs throughout the process.

Identity & Address Proof (KYC)

Digital KYC means no branch visits and faster verification that can be reused for future applications.

What you need:

• PAN Card (mandatory)
• Aadhaar Card (masked format only)
• Or Driving Licence/Voter ID/Passport
• Current Residential Address Proof

Pro Tips:

• Upload masked Aadhaar only; unmasked documents will be rejected.
• Ensure address proof matches your current residence.
• Use clear, well-lit scans for quick acceptance.

Employment & Income Details

Accurate income documentation increases eligibility, speeds approvals, and may unlock better loan offers.

For Salaried Applicants:

• Employer Name
• Last 3 months' Salary Slips
• Bank Statement showing salary credits

For Self-Employed Applicants:

• Last 2 years' ITR
• Business Proof (GST/Licence/Registration)
• Bank Statements

For All Applicants:

• Other income sources (rental, investments)
• Existing EMIs/Loan details
• Retirement Age (if applicable)

Pro Tips:

• Ensure salary account statements match your salary slips.
• Declare all income sources; even minor ones boost eligibility.
• Use Net Banking to fetch statements instantly.

Loan Details

Clear requirements ensure the right product match and help reduce your interest burden through balance transfer.

What you need:

• Loan Amount Required
• Loan Purpose (Purchase/Balance Transfer/LAP)
• Preferred Tenure (Home Loan: up to 360 months; LAP: up to 240 months)

For Balance Transfer:

• Current Bank Name
• Sanction Letter
• Statement of Account (SOA)
• Repayment Schedule
• List of Documents
• Foreclosure Letter

Pro Tips:

• Keep closure conditions from your existing bank ready.
• For LAP, prepare property ownership documents upfront.

Property Details

Providing property information upfront enables faster valuation and legal checks, cutting days from approval time.

What you need:

• Complete Property Address
• APF Number (if available)

Pro Tips:

• For under-construction properties, confirm builder's APF validity.
• For resale properties, keep complete chain-of-documents ready.

Documents for Upload

Uploading everything required upfront eliminates rework and ensures smooth, one-time sanction.

Required Documents:

• Recent passport-size photo
• ID & Address Proof
• Signature Proof

Pro Tips:

• Keep file sizes under 10 MB.
• Use clear PDF scans for multi-page documents.
• Rename files clearly (e.g., PAN.pdf, SalarySlip_Jan.pdf).
• Keep originals handy for verification if needed.

Fee Payment & Application Tracking

Instant registration with real-time tracking means no branch visits and complete transparency.

What you need:

• PAN & Date of Birth (for View My Application portal login)

Pro Tips:

• Save payment confirmation for your records.
• Verify PAN & DOB accuracy to avoid login issues.

Important Reminders

• Stay Responsive: Your Relationship Manager may contact you for additional documents. Quick responses keep your application moving smoothly.
• KYC OTP Alert: You'll receive OTPs during KYC: via Email, SMS, and CKYC. Keep your phone and email accessible to complete verification instantly.