KYC

What to bring to the branch.

Official KYC of every applicant and co-applicant is mandatory. Income papers are useful, not a gate — the field team can write a cash-flow report.

Identity & address

• Aadhaar / voter ID / passport / driving licence
• PAN
• Recent photograph of applicant and each co-applicant

Property (for home, LAP, STS, Perfect Plus)

• Registered sale deed and chain of title — or GPA / family-transfer / Lal Dora papers
• Proof of self-occupation for GPA files
• NOC from family beneficiaries where the property is parental

Income — if you have it

• ITR, P&L and balance sheet (2 years) or Form 16
• Six months of bank statements
• Business proof / certificate of practice for STS