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Home Loan Documents Checklist
| Document Category | For Salaried Individuals | For Self-Employed Individuals | For Partners/Directors in Firms |
|---|---|---|---|
| Mandatory Documents | Application Form, PAN Card | Application Form, PAN Card | Application Form, PAN Card |
| Proof of Identity | Passport, Aadhaar Card, Driving License, Voter ID, Govt Employee ID | Passport, Aadhaar Card, Driving License, Voter ID, Govt Employee ID | Passport, Aadhaar Card, Driving License, Voter ID, Govt Employee ID |
| Proof of Address | Aadhaar Card, Voter ID, Driving License, Govt Employee ID, Utility Bills | Aadhaar Card, Voter ID, Driving License, Govt Employee ID, Utility Bills | Aadhaar Card, Voter ID, Driving License, Govt Employee ID, Utility Bills |
| Date of Birth Proof | PAN Card, Aadhaar Card with DOB, Driving License, Birth Certificate, SSC Marksheet | PAN Card, Aadhaar Card with DOB, Driving License, Birth Certificate, SSC Marksheet | PAN Card, Aadhaar Card with DOB, Driving License, Birth Certificate, SSC Marksheet |
| Signature Proof | Passport, PAN Card, Banker's Verification | Passport, PAN Card, Banker's Verification | Passport, PAN Card, Banker's Verification |
| Other Important Income Documents and Checks | - Aadhaar card is mandatory - PAN - Passport-size photograph - Proof of Residence for all individuals |
- Aadhaar card is mandatory - PAN - Passport-size photograph - Proof of Residence for all individuals |
- Aadhaar card is mandatory - PAN - Passport-size photograph - Proof of Residence for all individuals |
Documents Required for Home Loans
When applying for a Home Loan, having all the necessary documents in place is crucial. You will need:
- Proof of Identity: PAN card, passport, voter ID, or Aadhaar card.
- Proof of Address: Utility bills, Aadhaar, passport, Form 16.
- Property documents: Sale agreement, title deed, approved building plan.
- Employment details: Employment certificate, income tax returns (ITR).
Home Loan Borrowing Limits
The minimum Home Loan amount starts at ₹3 lakh.
Margins
Axis Bank stipulates varying margins for different Home Loan brackets:
- Loans up to ₹30 lakh require 10% margin.
- For amounts from ₹30 lakh to ₹75 lakh, the margin is 20%.
- Loans above ₹75 lakh must maintain a 25% margin.
These thresholds ensure financial prudence and loan affordability tailored to the borrower's needs.
Submit the documents listed below and get a Home Loan in 5 days!
Go through the Home Loan documents checklist to ensure a smooth and speedy sanction.
Go through the Home Loan documents checklist to ensure a smooth and speedy sanction.
Proof of Income Requirements
For Salaried Individuals:
- 3 months' pay slip with bonus
- 6 months' pay slip
- 6 months Form 16 statements
- 2 years ITR
- 3-month job appointment letter
- Appointment letter/contract letter
- Continuous Discharge Certificate
- Overseas credit report
- Valid visa/copy/OCI card
- Passport copy
For Self-Employed Individuals:
- 2 years ITR with Computation of Income
- P&L, Balance Sheet (If CA Signed & Gross Receipts exceed ₹1 Cr or ₹25 Lakh)
- 6 months bank statements
- CPC filings and tax challan
For Partners/Directors in Firms:
- Partnership Deed, List of Partners
- NOC as per Axis Bank format
- Financials with audited ITR
- Partnership authority letter
- Board Resolution (for Companies)
- DIN of all Directors, Board Resolution
- Company Share Holding Pattern
Additional Requirements
- For Balance Transfer/Takeover: Provide 12 months' bank statement with latest outstanding letter and 6 months' statement from where EMI is deducted.
- For Lease Rental Discounting: Submit 6 months' bank statement where rent is credited, registered lease agreements, and 2 years ITR with computation of income before loan disbursement.
Documents to be Submitted Before Loan Disbursement
| Document Type | Required Documentation and Checks |
|---|---|
| Loan Agreement and Annexures | Loan consent letter, schedule of product type, Filled & signed Documents (LOD), Disbursement request letter, Tax receipt (if applicable), Indemnity (under-construction), Guarantor agreement (if applicable), NACH mandate authentication |
| NACH/SI & Security Cheques | NACH-dated cheques with signed cancelled cheque, SPDC: Post-dated cheque with blank amount |
| Loan Cover/Insurance Details | Mandatory property insurance application form, General and life insurance application forms (if applicable) |
| Processing Fee / Equitable Mortgage | Processing fee cheque / stamping charges favouring "AXIS BANK LTD A/C SERVICE CHARGES" |
| Property Documents | As per transaction type and bank's policy (Axis Bank format transfers, previous financier's list, etc.) |
| Own Contribution Receipts | Receipts of own contribution, Bank statement showing debit of own contribution |
Axis Bank ensures a secure and transparent loan disbursement process. Before disbursement, meticulously prepare and submit the documents as per the specifications above to facilitate a smooth transaction.
Home Loan EMI Calculator
Instantly calculate your EMI, total interest & payback amount. Adjust loan amount, rate & tenure as you like — results update live!
Your Monthly EMI
₹ 44,186
Principal
₹ 50,00,000
Interest
₹ 56,04,640
Total Amount Payable: ₹ 1,06,04,640
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*This is an indicative EMI. Final offer depends on bank policy & your profile.