About Personal Loan

A personal loan is a short to medium term unsecured loan (no collateral) that you can use to meet current financial needs. Though most commonly used to meet expenses related to debt restructuring, vacations, unexpected medical expenses and down payments, a personal loan may be used for practically any type of expense.


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Personal Loan Documentation

The List of essential documents you need for a Personal Loan are:

Identity Proof

To apply for a Personal Loan submit one of the following documents as identity proof:

  • Aadhar Card
  • Voter's ID Card
  • Employer issued ID card
  • Driver's license
  • Passport
  • Ration Card
  • Electricity bill
  • Title deed/utility bill/municipal tax receipt
  • PAN Card
  • Telephone/mobile bill
  • Life Insurance premium receipt

Proof of Age:

List of documents that are accepted for age proof to apply for Personal Loan are:

  • Birth Certificate
  • Secondary school certificate (Class 10)
  • Passport
  • PAN card
  • Aadhaar Card
  • Voter ID card
  • LIC Policy or premium receipt
  • Ration card

Address Proof:

For address proof confirming your present residential address, submit any one document from the list:

  • Government-issued employee residence proof
  • Ownership and title deeds of property
  • Telephone bills
  • Ration card
  • Electricity bill

Income Proof

For salaried individuals:

  • A copy of latest salary slips (3-6 months depending upon the bank) or salary certificate
  • Form 16 and a copy of ITR for the last two years
  • Copy of the appointment letter or an employment certificate to prove job continuity
  • Last 3 months' salary account statements
  • Proof of employment certificate
  • Last two years' computation of income, Profit and Loss statement, and balance sheet certified by a C.A.
  • Latest six months' bank statement of all your bank accounts
  • Last two years' sales and copies of acknowledged IT returns as proof of turnover

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