Complete guide on KYC, income and product-specific papers for personal loan applicants in India (Delhi NCR focus for service density).
A complete personal-loan file needs clear KYC and proof of repayment capacity.
| KYC | PAN, Aadhaar, photographs |
|---|---|
| Income – salaried | Last 3–6 months salary slips; Form 16 if asked; 3–6 months bank statements with salary credits |
| Income – self-employed | ITR + computation for 2 years; GST if registered; 6–12 months bank statements |
| Employment | Employee ID or appointment letter if requested |
| Disbursal | Cancelled cheque or account details in applicant name |
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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