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KW Group

Home loan, by the document

Whether you’re salaried, self-employed, a professional or an NRI — these are the documents every Indian lender will ask for. Use the EMI calculator alongside to model your monthly outflow.

  • 6 docs

    Salaried employees

    Most banks fund up to 80% of the property value for salaried profiles.

    • Date-of-birth proof for every applicant
    • PAN + Aadhar (KYC)
    • Last 3 months' salary slips
    • Last 6 months' bank statements (showing salary credits)
    • Form 16 + ITRs for the last 3 years
    • Most recent appraisal letter (optional but speeds underwriting)
  • 6 docs

    Self-employed (business owners)

    Funding is typically 70–80% of property value; underwriting looks at 3-year cash-flow stability.

    • 3 years' ITRs with P&L + balance sheet
    • Last 6 months' bank statements (current + personal)
    • Tax-payment receipts (advance + self-assessment)
    • Company profile, GST registration and shop-establishment certificate
    • KYC: PAN + Aadhar + utility bill
    • Existing-loan documentation
  • 5 docs

    Self-employed professionals

    Doctors, CAs, architects, advocates etc. — usually qualify for higher LTV at lower rates.

    • Professional registration certificate
    • 3 years' ITRs + audit report
    • Last 6 months' current-account bank statements
    • List of major clients and ongoing engagements
    • KYC: PAN + Aadhar + recent utility bill
  • 6 docs

    NRI applicants

    Funded through NRE / NRO / FCNR routes; PoA in India is usually required.

    • Passport copy + valid visa + work permit
    • Employment contract + last 3 months' salary slips
    • Last 6 months' overseas bank statements
    • Last 6 months' NRE / NRO bank statements
    • Power of Attorney executed in favour of a resident relative
    • Property documents from the developer

Model your outflow

Use the KW EMI calculator before you sign anything.

Drag the loan amount, interest rate and tenure sliders to see the EMI, principal-vs-interest split and total payout — so you walk into the bank with a number you’re comfortable with.

Open EMI CalculatorTalk to a specialist

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