Incomplete documents are the number one reason loan applications get delayed. Keep these ready and your file moves to the front of the queue.
For all loans (KYC basics)
- PAN card (mandatory for any loan above Rs 50,000)
- Aadhaar card (address + identity proof)
- Passport-size photographs
Salaried applicants
- Last 3 months' salary slips
- Last 6 months' salary-account bank statement
- Form 16 or latest ITR
Self-employed / business owners
- Last 2 years' ITR with computation
- Business registration proof (GST certificate, Udyam, or Shop Act licence)
- Last 12 months' current-account statement
Extra for specific loans
- Home loan: property papers, sale agreement, approved building plan
- Car loan: proforma invoice from the dealer, driving licence
- Education loan: admission letter, fee structure, co-applicant income proof
- Gold loan: only KYC — the gold itself is the security
Pro tip
Upload your KYC documents once in your SetuMoney dashboard — they stay securely encrypted and every future application gets processed faster.