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  • Document Required

Personal Loan Document Required

Applying for a personal loan is a simple process that can be completed easily in a short time. As long as you meet the eligibility criteria and have all the documents required for a personal loan, anyone can apply for the loan and get instant approval. Know what documents you need to have ready before you apply for a personal loan.

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Features & Benifits

Instant Loan offer in 3 mins
24-hour disbursal
No collateral required
Loan upto 10 Lakhs
Paperless process
Attractive interest rates

Document Required for Personal Loan

Do you wish to apply for a personal loan? Learn about the documents you might be required to submit for loan approval.

Personal Loan Document Requirement

You might be required to submit some documents before you can get your personal loan approved. The documents required of applicants may vary depending on their category: salaried, self-employed, NRI (Non-Resident Indians), and pensioners.
Below are the personal loan documents that might be required of applicants belonging to each of the above categories. Refer to this list to ensure you have all the necessary documents with you before you apply for a personal loan.

List of Documents Required For Salaried

Salaried employees are those who work for an organization and get monthly salaries. If you come under this category, you might be required to submit the following documents.


Proof of Identity

1. Aadhar Card

2. Passport

3. Voter’s ID

4. PAN Card

5. Driving License

Proof of Address

1. Passport

2. Aadhar Card

3. Ration Card

4. Utility Bill(electricity, telephone, gas, water,
etc.) - the bill should be within 2 months

5. Driving License

Proof of Income

1. Salary slips (from the last 3 months) with Form 16

2. Bank statements showing salary
credit (within 3–6 months)

Residence Ownership Proof

1. Property documents

2. Electricity bill

3. Maintenance bill

Tax Paid

1. IT returns (for 2 years)

2. Form 16

Proof of Job Continuity

1. Employment certificate of current job

2. Appointment letter of current job (if you have
worked for more than 2 years)

3. Experience certificate (appointment or
relieving letter from the previous employer
along with job certificate)

Proof of investment (if any)

1. Fixed assets

2. Fixed deposit

3. Shares, etc.

Proof of existing loans (if any)

Payment track record & sanction letter

List of Documents Required For Self-Employed

Self-employed applicants are those who run their own businesses. If you come under this category, you will need to have the below documents to apply for a personal loan.


Proof of Identity

1. Aadhar Card

2. Passport

3. Voter’s ID

4. PAN Card

5. Driving License

Proof of Address

1. Passport

2. Aadhar Card

3. Ration Card

4. Utility Bill(electricity, telephone, gas, water,
etc.) - the bill should be within 2 months

5. Driving License

Residence Ownership Proof

1. Property documents

2. Electricity bill

3. Maintenance bill

Office Address & Ownership Proof

1. Property documents

2. Electricity bill

3. Maintenance bill

Business Existence Proof

1. Company registration license

2. Copy of GST registration

3. Shop establishment proof

Income proof

1. Fixed assets

2. Fixed deposit

3. Shares, etc.

Proof of existing loans (if any)

Payment track record & sanction letter

Professional degree
certificate

In the case of professionals

FAQ's

Are the documents required to apply for a personal loan the same across lenders?

The documents required to apply for a personal loan may vary slightly for each lender based on their system. However, most of the documents are the same across all lenders. You can visit their website and check their document requirements before applying for a personal loan.
-

Am I required to submit my original KYC documents when I apply for a personal loan?

No, you don’t need to submit original KYC documents for your personal loan application. You can submit photocopies (usually self-attested) of the documents. However, it is best to keep your originals with you in case your lender requires them for verification.
-

Is the documentation process minimal for pre-approved or instant personal loans?

Yes, the documentation process is minimal if you wish to avail a pre-approved or personal loan. This is because the lender already has your KYC details in their database.
-

Which documents could I use as income proof?

If you are applying for a personal loan, you might be required to submit income proof to prove that you are eligible to apply for the loan. Here are some documents you can use as your income proof. You can submit any one of them. Salary slips from the last 3 months with Form 16 Bank statements showing salary credit from the last 3–6 months
-

Is the personal loan application process online?

Yes, at Housing.com, the entire personal loan application process is online. You just need to follow a 3-step process (application, approval, disbursal) to get your personal loan amount in your account.
-

How long will it take to verify and approve documents once they are submitted?

Once you have submitted all the necessary documents and completed the application process, you can get them verified and approved within minutes if application. You can get your loan amount within 24 hours of loan approval.
-

PL Tips & Guide

Things to consider before using a personal loan for home loan down paymentThings to consider before using a personal loan for home loan down payment
Banks issue only up to 90% of the property value as home loan and the remaining 10%, plus additional expenses, has to be borne by the buyer. Will a personal loan help to bridge this gap?
Sunita Mishra13 Mar '23
Using a personal loan to clear overdue payments: All you need to knowUsing a personal loan to clear overdue payments: All you need to know
If you are applying for a personal loan, it is important to understand overdue payments and how a personal loan can be used to clear overdue payments.
Housing News Desk07 Jun '22
Home loan vs personal loan: Which one should you choose?Home loan vs personal loan: Which one should you choose?
Consumers are shifting to personal loans increasingly, because banks are becoming more generous with them. What works best for you in the long run? Let us find out
Housing News Desk18 Oct '21

Articles

What is the minimum CIBIL score required for personal loan?What is the minimum CIBIL score required for personal loan?
A good CIBIL score allows the borrower to get advantages in terms of interest rates and other benefits.
Geethapriya Srinivasan26 Mar '24
How to get a loan for pensioners?How to get a loan for pensioners?
Loans for pensioners act as a safety net for people on pension.
Geethapriya Srinivasan23 Mar '24
How to read personal loan statement of account?How to read personal loan statement of account?
SOA for borrowers helps them manage their repayments effectively.
Geethapriya Srinivasan20 Mar '24
How to get a personal loan without bank statements?How to get a personal loan without bank statements?
One may be subjected to certain extra conditions to receive a personal loan without bank statements.
Geethapriya Srinivasan17 Mar '24
What is the maximum personal loan amount I can get on my salary?What is the maximum personal loan amount I can get on my salary?
Understanding eligibility for personal loans helps borrowers to increase the amount to be borrowed.
Geethapriya Srinivasan13 Mar '24
What is the meaning of payday loans?What is the meaning of payday loans?
Payday loans allow easy access to funds.
Geethapriya Srinivasan10 Mar '24

Reviews

Down Payment

I had been saving up for years to buy my dream home, but I fell short on the down payment. Housing.com's personal loan was a lifesaver, providing the extra cash I needed to close the deal and move into my forever home.

Amit S

from Hyderabad

Home Renovation

I needed to make some major updates to my rental property. Housing.com's personal loan gave me the funds I needed to make the necessary repairs and increase the value of my property.

Kavita M

from New Delhi

Medical Loan

I needed a personal loan to cover unexpected medical expenses, and Housing.com came through with competitive rates and fast approval. I'm so grateful for their support during a tough time.

Vaibhav N

from Gurgaon

Wedding Loan

My wedding was just around the corner, and I needed some extra cash to cover the expenses. Housing.com gave me the flexibility I needed to make my dream wedding a reality.

Rohit S

from Bangalore

Help & Support

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