Complete guide on KYC, income and product-specific papers for working capital applicants in India (Delhi NCR focus for service density).
WC limits need financials, stock/debtor statements and banking.
| KYC | Promoters’ KYC |
|---|---|
| Business | GST, Udyam, registration |
| Financials | ITR, statements |
| Banking | 6–12 months current account |
| Stock / debtors | Statements if CC/OD |
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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