KYC — everyone
PAN card (mandatory), Aadhaar, and one address proof (passport, driving licence, utility bill if your Aadhaar address differs). Passport-size photographs.
Married applicants adding a co-borrower need the co-applicant's full KYC set too — and adding one is usually worth it for the eligibility boost.
Income proof — salaried
Last 3 months' salary slips, last 6 months' bank statements of the salary account, and Form 16 or ITR for the last 2 years.
Recently switched jobs? Add the offer/appointment letter. Variable pay or bonuses count partially — lenders typically take 50% of average incentives.
Income proof — self-employed
ITRs with computation of income for 2–3 years, P&L and balance sheet (CA-attested), 12 months' bank statements (current + savings), and business existence proof (GST registration, shop licence, or company incorporation documents).
Lenders average 2–3 years of declared profit — a single good year won't carry a weak history.
Property papers — where delays happen
Sale agreement / builder-buyer agreement, the complete chain of title (every previous sale deed), latest tax receipts, and the approved building plan.
For under-construction flats: the builder's project approvals and, ideally, an APF (Approved Project Financial) code with your lender — projects already approved by the bank disburse dramatically faster.
For resale: an encumbrance certificate showing the property is lien-free, and the seller's loan closure letter if they had a mortgage.
Pro tips that save weeks
Get the chain of title verified by the lender's legal team before paying a large token amount — legal rejection after token payment is the costliest failure mode.
Keep everything as clear PDFs in one folder; blurry photos of documents are the #1 reason files bounce back from processing.