Personal loan documents checklist for India

Before applying, keep KYC, income proof, bank statement, CIBIL range, and existing EMI details ready. A clean document set makes callback and lender review smoother.

KYCIncome ProofBank StatementCIBIL Range

Basic documents for salaried borrowers

  • PAN card, Aadhaar card, mobile number, and email.
  • Last 3-6 month salary slips or salary certificate.
  • Last 3-6 month bank statement showing salary credits.
  • Current address proof if Aadhaar address is different.
  • Existing loan/credit card EMI details where applicable.

For self-employed borrowers

Self-employed profiles may need business proof, ITR, GST, bank statement, shop/office proof, and turnover details depending on partner/lender policy.

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Submit loan amount, city, income, CIBIL range, and employment type. Team will call back with the practical document route.

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Document readiness quick check

DocumentWhy it mattersCommon issue
PAN and AadhaarKYC and identity verificationName/date mismatch
Bank statementIncome and repayment behaviorLow balance or irregular credits
Salary slip/ITRIncome proofMissing latest month or unclear income
CIBIL rangeCredit behavior signalRecent delay or high utilization