NSE: 
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KYC Documents

  • Two passport size photos each of the applicant/ and the co obligant
  • Identity Proof – Passport / Voters ID / Driving License/ PAN Card / Aadhaar Card
  • Address Proof – Passport / Voters ID / Driving License / Aadhaar Card
  • Age Proof – Passport / Birth Certificate / Driving License / SSLC or AISSE Certificate
  • Certified copy of Passport, Visa, Work Permit, ID card (Applicable for NRI customers)

Income Documents - For Resident Salaried

  • Latest Salary Certificate /  Salary Slip (3 months)
  • Copies of IT returns (2 years) or Form No.16 (2 years) 
  • Latest 6 month's Bank Account statement evidencing the salary credits

Income Documents - For Resident Self Employed

  • Proof of Business existence & Business Profile
  • Last 12 months bank a/c statements
  • IT returns for 2 years supported by Balance Sheet, P&L Account for the past two years. Where ever available, Tax paid challans may also be collected OR Last 2 years IT returns supported by Tax calculation sheet & Tax paid challans
 

Income Documents - For Non Resident Salaried

Either Option 1 or Option 2 is required.
 
Option 1
  • NRE account statement with any bank for last one year
  • Embassy / CRO certified Salary Certificate/ latest 3 months salary Slip OR Latest Salary Certificate / Slip (3 months) supported by 6 months Salary Crediting Statement
 
Option 2
  • Two years NRE a/c statement of the customer and/or resident accounts of spouse/parents (with us/ other Bank) in which remittance is made.

Income Documents - For Non Resident Self Employed

Either Option 1 or Option 2 is required:
 
Option 1
 
  • Proof of Business existence & Business Profile
  • Last 12 months bank a/c statements
  • Balance Sheet, P&L Account for the past two years. Where ever available, Tax paid challans may also be collected 
 
Option 2
 
Two years NRE a/c statement of the customer and/or resident accounts of spouse/parents (with us/ other Bank) in which remittance is made.
 

Property Documents

For purchase of approved Flats under construction

  • Agreement for Sale & construction
  • Allotment letter / NOC from Builder to mortgage the flat
  • Tripartite Agreement( to be obtained before disbursal of loan)
 

For purchase of unapproved Flats under construction

  • Agreement for Sale and Construction
  • Allotment letter / NOC from Builder to mortgage the flat *
  • Title Deed *
  • Prior Deed (in cases where the Title Deed does not contain recitals explaining derivation for past 30 Years) *
  • EC for 13 years (minimum) *
  • Possession certificate *
  • Location Sketch *
  • Land Tax receipt (latest) *
  • Tripartite Agreement (to be obtained before disbursal of loan) *
  • Approval or permission from civic authorities *
  • Approved Plan and building permit
  • NOC from Environmental Department
  • NOC from pollution control board
  • Fire and safety Clearance
  • NOC from aviation department (if applicable)
  • NOC From Navy - Army (if applicable)
  • Certificate from Coastal Zone management Authority (if near seas, bays, estuaries, creeks, rivers, backwaters etc.)
 

For acquisition of land and subsequent construction of a house in that land

 
  • Agreement for Sale of Land
  • Title deed *
  • Prior Deed (in cases where the Title Deed does not contain recitals explaining derivation for past 30 Years) *
  • EC for 13 years (minimum) *
  • Possession Certificate
  • Location sketch *
  • Latest land tax receipt
  • Tentative plan and estimate for construction  
 
 

For acquisition of approved Ready Built Flats

  • Agreement for Sale & construction
  • Allotment letter / NOC from Builder to mortgage the flat
 
 

For acquisition of unapproved Ready Built Flats

 
  • Agreement for Sale and Construction
  • Allotment letter / NOC from Builder to mortgage the flat *
  • Title Deed *
  • Prior Deed (in cases where the Title Deed does not contain recitals explaining derivation for past 30 Years) *
  • EC for 13 years (minimum) *
  • Possession certificate *
  • Location Sketch  *
  • Land Tax receipt (latest) *
  • Tripartite Agreement (to be obtained before disbursal of loan) *
  • Approval or permission from civic authorities *
  • Approved Plan and building permit
  • NOC from Environmental Department
  • NOC from pollution control board
  • Fire and safety Clearance
  • NOC from aviation department (if applicable)
  • NOC From Navy - Army (if applicable)
  • Certificate from Coastal Zone management Authority (if near seas, bays, estuaries, creeks, rivers, backwaters etc.)

For acquisition of Ready built House

 
  • Agreement for Sale
  • Approved plan
  • Title Deed
  • Prior Deed (in cases where the Title Deed does not contain recitals explaining derivation for past 30 Years)
  • EC for 13 years (minimum)
  • Possession certificate
  • Location Sketch
  • Land & Building Tax receipt (latest)
 

For construction of house in the already owned land

 
  • Approved plan and Estimate for construction
  • Building Permit / NOC for construction *
  • Title Deed *
  • Prior Deed (in cases where the Title Deed does not contain recitals explaining derivation for past 30 Years) *
  • EC for 13 years (minimum) *
  • Possession certificate
  • Location Sketch *
  • Land Tax receipt (latest)
 
 

For repair, renovation, remodeling, extension of existing house, flat, villa

 
  • Approved plan and Estimate
  • NOC for construction in the case of extension
  • Title Deed
  • Prior Deed (in cases where the Title Deed does not contain recitals explaining derivation for past 30 Years)
  • EC for 13 years (minimum)
  • Possession certificate
  • Location Sketch
  • Land & Building Tax receipt (latest)