What are different forms of documentation needed for availing a personal loan?

Personal Loan documents that a salaried individual must submit are: Application form with recent Photograph Proof of Identity and Residence: Self-attested Physical Photocopy or Digitally procured copy of - Driving License, Passport, Voter's ID and Aadhar Card (any one of the OVDs). PAN No. and Self-attested copy of the PAN Card Documents for Income Proof: Salary Slips for the last two months Bank statement: Latest 3 month's salary credit bank statement

Can I submit the required personal loan documents online?

Yes, you submit your required personal loan documents online. For online submission, you must upload scanned copies or digital snapshots of the documents. Here's how you apply for a personal loan online: Visit our website. Fill in your occupation and mobile number. You will receive an OTP for verification. Enter your loan requirements. Fill out your personal information. Upload the documents. Await verification. That's how easy and convenient it is to upload personal loan documents and apply for the loan online.

Documents Required for Personal Loan Application

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What are the Documents Required for Personal Loan Up to 35 lakhs ?

The documents required for personal loan include :

Photo identity proof

A copy of your Voter ID / Passport / Driving License / Aadhaar Card

Address Proof

A copy of your Voter ID / Passport / Driving License / Aadhaar Card

Salary Slips

A copy of your Salary Slips for the last two months

Bank Statement

Primary Bank Statement ( Salary Account) for the last 3 months.

Employment Certificate

A certificate stating one year of continuous employment

A Step-by-Step Guide to Tata Capital's Personal Loan Application

When you submit a personal loan application, we follow a series of steps to assess your eligibility and process your request. These include:

Document verification

We will review your application and verify all information, like your name, address, loan amounts, etc. We will also check if you’ve submitted all relevant documents and verify their accuracy and authenticity.

Credit check

After verifying your documents, we run a credit check to determine your creditworthiness. For this, we review your credit history, credit score, and credit report to evaluate your repayment history and determine the risk associated with approving your loan request.

Eligibility evaluation

We review factors like your income, employment stability, debt-to-income ratio, and other criteria to determine if you're eligible for a personal loan. We will also consider our internal policies and guidelines to process your application.

Loan approval/rejection

We will approve or reject your personal loan application based on the assessments and verifications. If approved, we will give you a loan offer highlighting details like the loan amount, tenure, interest rates, applicable fees and charges, etc.

Loan disbursement

Once you accept the loan offer and complete all formalities, we will disburse the loan amount to your bank account.

Importance of Documents while Applying for a Personal Loan

Applying for a personal loan in India requires meticulous attention to documentation. Proper documents not only streamline the application process but also significantly boost your credibility and loan eligibility. Key documents such as proof of identity, address, income, and employment history are essential. They help verify your personal details, financial stability, and repayment capability, reducing the lender's risk. Complete and accurate documentation ensures faster approvals and more favorable loan terms. Conversely, missing or incorrect documents can result in delays or even rejections. Therefore, maintaining an organized and comprehensive set of documents is vital for a hassle-free personal loan application.

FAQs on Personal Loan Documents

When applying for a personal loan, lenders request you prove your income to assess your repayment capacity and determine your eligibility. This is done to evaluate your repayment capacity and decide your eligibility for the loan. Generally, you may be asked to provide salary slips, bank statements, or income tax returns as evidence of your income. Personal loan documents vary depending on the lender's policies.

At Tata Capital, a salaried person must have the below documents as proof of their income:

#1 Income proof documents: Salary Payslips for the last two months.

#2 Bank statement: Last three months' Salary credit Bank statement.

Yes, you can apply for a personal loan using your Aadhaar card as your identification proof. While applying for a loan at Tata Capital, you can submit a copy of your Aadhaar card as ID proof.

Personal Loan documents that a salaried individual must submit are:

Application form with recent Photograph
Proof of Identity and Residence: Self-attested Physical Photocopy or Digitally procured copy of - Driving License, Passport, Voter's ID and Aadhar Card (any one of the OVDs).
PAN No. and Self-attested copy of the PAN Card
Documents for Income Proof: Salary Slips for the last two months
Bank statement: Latest 3 month's salary credit bank statement

Bank statements are often asked as part of personal loan documents. This is because they give insights into your financial conduct and help lenders make informed decisions about your loan application.

When you apply for a personal loan with Tata Capital, we require your salary slip for the last two months along with the latest 3 month's salary credit bank statement.

Yes, lenders usually require applicants to submit documents proving their address. While applying for a loan with Tata Capital, you may provide any of the following personal loan documents to verify your address.

#1. Driving License,

#2. Passport,

#3. Voter's ID or

#4. Aadhar Card

These documents should be in your name and have your current residential address.

Tata Capital offers unsecured personal loans. This means you don't have to pledge any assets as collateral to secure a personal loan from us. Thus, you don't need to provide any real estate documents while applying for a personal loan.

However, additional documentation may be required if you need a loan product that needs collateral, such as a loan against property.

When you apply for a personal loan with a co-applicant, both applicants need to submit a few documents, including.

#1 Aadhaar cards.

#2 PAN cards.

#3 Salary slip or income proof of last three months.

#4 Bank statements for the past six months.

The significant benefit of applying for a personal loan with a co-applicant who earns and has a high credit score is that you can get a higher loan amount and competitive interest rates.

After you submit your loan application and personal loan documents, we will review the information provided, verify your income, and validate your identification and address proof. Once the verification process is completed, we will credit your bank account within one or two business days with the sanctioned loan amount.

You can also track your personal loan application status through our website.

Yes, you submit your required personal loan documents online. For online submission, you must upload scanned copies or digital snapshots of the documents. Here's how you apply for a personal loan online:

Visit our website.
Fill in your occupation and mobile number. You will receive an OTP for verification.
Enter your loan requirements.
Fill out your personal information.
Upload the documents.
Await verification.

That's how easy and convenient it is to upload personal loan documents and apply for the loan online.

The documentation process for a pre-approved personal loan is simpler and faster compared to standard loans. Since your creditworthiness has already been assessed , you primarily need to submit proof of identity, address, and income. Common documents include a government-issued ID, utility bills, and recent salary slips or bank statements. Additionally, a completed loan application form may be required. Ensuring all documents are accurate and up-to-date helps expedite the approval and disbursement process. This streamlined approach allows for quicker access to funds while maintaining the necessary checks for financial stability.

Income proof documents are essential for verifying your financial stability when applying for a loan. Commonly accepted documents include recent salary slips, bank statements showing salary credits, Form 16 issued by your employer, and the latest Income Tax Return (ITR) with the acknowledgment.

More Personal Loan products for you

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What our customers say about us

I appreciate your efforts to resolve any issues. I am happy with Tata Capital’s service, and if I need any financial assistance in the future, you will be my first priority.

Tirumani Mani Kanta

Personal Loan | 18 Sep, 2025

We are very happy with the services provided by Tata Capital. The team is very supportive, transparent, and customer-friendly. We look forward to continuing our relationship with Tata Capital.

MAHENDRA MAHENDRA

Personal Loan | 16 Sep, 2025

I sincerely thank the Tata Capital team for understanding my situation and trying their best to assist me. The team not only understood my situation but also did their best to help me and even provided me with the address.

VINITA SHARMA

Personal Loan | 15 Sep, 2025

Your services are already the best! The Tata Capital team is extremely knowledgeable, experienced, and humble. I can say in one sentence – You Are the Best

SOURABH KUMAR

Personal Loan | 12 Sep, 2025

Happy association with Tata Capital’s customer care service. As a financial partner, Tata understands consumer concerns and provides curated resolutions. Delightful service.

MANOJ KUMAR

Personal Loan | 12 Sep, 2025

Tata Capital customer care service is very fast and resolved my issue quickly. Thank you for your timely response

MANOJ DNYANESHWAR KHARAT

Personal Loan | 23 Aug, 2025

All good. I had continued to be in touch with the team for many concerns. No one supported me like you guys. I really appreciate your helpful nature and your follow-up.

MEENAKSHI BISHT

Personal Loan | 19 Aug, 2025

Thank you very much for your timely help during my financial crisis.

SANDHYA Y S

Personal Loan | 18 Aug, 2025

Thank you so much Tata Capital, I faced a medical emergency, and Tata Capital provided excellent financial services on time. Your services are very good.

LINGARAJU CS

Personal Loan | 15 Aug, 2025

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