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Know more about Home Loans
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Although there are some common documents that everyone needs to submit, the exact documents needed for overdraft may depend on the applicant’s profile. For example, the documents required for home loan for salaried person may be different from the documents required for home loan for a self-employed person.
Below are the documents needed for overdraft loans for different types of applicants:
Age Proof
A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate
Photo Identity Proof
A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card
Address Proof
A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card
Income Proof
A copy of your Salary Slips for the last three months, Salary Bank Account Statements for the last six months, Appointment letter, Yearly increment letter, or a Certified true copy of Form 16
Existing Loan Details
Existing loan details should be provided through Bank Statements or Loan Statements
Processing Fee Cheque
To be issued from your salary account
Age Proof
A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate
Photo Identity Proof
A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card
Address Proof
A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card
Business Proof
A copy of the last two years' Income Tax Returns, your Business Profile on a letterhead, or your Business Registration Certificate for business commencement
Income Proof
A copy of the last three years' Profit & Loss (P/L) Projection Statement, Operative current account statement for the last six months, Bank statements for the last six months of CC/OD facilities (if taken)
Existing Loan Details
Existing loan details should be provided through Bank statements or Loan statements
Processing Fee Cheque
To be issued from your business account
Age Proof
A copy of your Passport, Driving License, Life Insurance Policy, Birth Certificate, PAN Card, or School Leaving Certificate
Photo Identity Proof
A copy of your Voter ID Card, Passport, Driving License, Aadhaar Card, or PAN Card
Address Proof
A copy of your Utility Bill, Bank Statement, Property Registration Documents, Property Tax Receipt, or Voter ID Card
Employment Proof
A copy of your pay slips for the last six months along with the employment stability documents, such as your appointment letter or previous employment history
Income Proof
Overseas salary account details for Indian NRE or NRO account statements for the last six months
Credit Report
NRI applicants should submit a Credit Report of their current country of residence, wherever it is applicable as per Tata Capital norms
Existing Loan Details
Existing loan details should be provided through Bank statements or Loan statements
Processing Fee Cheque
To be issued from your salary account or business account