1. Identity & Address Proof (Any of the following)
- Aadhaar Card
- PAN Card (Mandatory)
- Passport / Voter ID / Driving License
- Utility Bill (Electricity/Water – last 3 months)
2. Photographs
- One Passport size photographs of all applicants/co-applicants
B. Income Documents (Salaried Applicants)
3. Employment & Income Proof
- Last 3 months’ salary slips
- Last 6 months’ bank statements (salary account)
- Latest Form 16 / Form 16A
- Appointment letter or Employee ID card (if required by bank)
4. Additional (if applicable)
- Incentive letters / bonus statements
- Variable pay details (if salary includes incentives)
C. Income Documents –(Self-Employed / Business Owners)
5. Business & Income Proof
- Last 2–3 years Income Tax Returns (ITR) with computation
- Last 6–12 months bank statements (business + personal)
- GST Registration Certificate (if applicable)
- Trade License / Shop & Establishment Certificate
- Partnership Deed (if partnership firm)
- Memorandum & Articles of Association (for Pvt Ltd company)
- Board Resolution (if company applicant)
- Profit & Loss Statement + Balance Sheet (last 2–3 years)
- Auditor’s Report (if applicable)
D. Property Documents (Most Important for LAP)
6. Ownership & Title Documents
- Original Sale Deed / Title Deed
- Mother Deed / Parent Documents (chain of title, if required)
- All previous title documents (if multiple transfers)
- Gift Deed (if property received as gift)
- Will + Probate (if inherited property)
- Partition Deed (if family partition)
- Release Deed (if applicable)
7. Government & Legal Approvals
- E-Khata Certificate (Bangalore) / Patta / Property Register Extract
- Latest Property Tax Receipts
- Encumbrance Certificate (EC) – last 13 to 30 years (as required by bank)
- Approved Building Plan / Sanction Plan
- Occupancy Certificate (OC) or Completion Certificate (CC)
- Conversion Certificate (if agricultural land converted to residential)
- Betterment Charges Receipt (if applicable)
8. Possession & Utility Documents
- Electricity Bill
- Water Bill
- Property Insurance (if already taken)
F. Additional Documents (If Applicable)
- Power of Attorney (if property owner is NRI or not available in person)
- Rental Agreement (if property is leased out)
- NOC from existing lender (if property already mortgaged earlier)
- Existing loan statements (if any loan on property before)
G. For NRI Applicants (Additional Documents)
- Passport + Visa + Resident Permit
- Overseas Employment Contract
- Overseas bank statements (last 6 months)
- Power of Attorney to Indian representative
- NRE / NRO bank account details
Types of Properties Considered for Loan Against Property (LAP)
- Independent House / Villa
- Residential Apartment / Flat
- Residential Plot
- Commercial Shop
- Commercial Office Space
- Standalone Commercial Building
- Mixed-Use Property (Residential + Commercial)
- Small Industrial Unit
- Warehouse / Godown
