Complete guide on KYC, income and product-specific papers for msme loan applicants in India (Delhi NCR focus for service density).
MSME files combine entity registration, GST and promoter KYC.
| KYC | Promoters’ PAN, Aadhaar |
|---|---|
| Business | Udyam, GST, registration documents |
| Financials | ITR, statements, audited accounts if required |
| Banking | 6–12 months current account statements |
| Project | Quotations / project report if asked |
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.
LoanPao.in