Complete guide on KYC, income and product-specific papers for mortgage loan applicants in India (Delhi NCR focus for service density).
Mortgage files need property legals plus income KYC.
| KYC | Applicants’ identity proofs |
|---|---|
| Income | Salary/ITR, bank statements |
| Property | Title chain, tax receipts, plans |
| Other | Legal & valuation reports |
Branches may verify originals; many digital journeys accept uploads first.
Not always — salary slips and bank credits often suffice.
Commonly 3–6 months for retail; 6–12 months for business.
Provide an alternate accepted address proof from the lender list.
Yes — each applicant / co-applicant typically needs KYC.
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