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

Home
Personal Loan
Documents Required

Required Documents

Apply Now

Overview Required Documents Application Process Rates & Charges

Calculators

EMI Options

Documents Required for Salaried Personal Loan Applicants

Salaried applicants must produce proof of employment and income for a quick personal loan approval. One typically needs a minimum monthly salary of Rs. 15,000 and 1 year of work experience. The list of required personal documents includes:

Identity Proof

Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License.

Address Proof

Aadhaar, utility bills, passbook, or property documents.

Income Proof

Last 3 months' salary slips and minimum 3 months' bank statements showing salary credits.

Employment Proof

Current appointment letter, company ID card, or HR email confirmation.

Photograph

Recent passport-size colour photo.

Documents Required for Personal Loan: A Complete Checklist

At Tata Capital, we commit to making your borrowing journey a smooth ride. Gone are the days of lengthy application processes and hefty paperwork, We bring you a range of tailored personal loan options with simple eligibility criteria and minimal documentation. All you need to do is provide the required documents completely the first time, which includes your KYC documents, proof of employment and income proofs.

So, whether you want to fund your child’s education or explore the world, you can have instant access to funds with Tata Capital!

Here, you will find all details about documents required for availing a Personal Loan, Personal loan is a loan used, for meeting personal needs like marriage expenses, travel, home renovation, debt consolidation, etc.

Apply Now

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

Documents Required for Self-Employed Personal Loan Applicants

Self-employed individuals must provide detailed proofs of business income and continuity for personal loan approval, along with a strong CIBIL score. Here is the list of important documents required from self-employed personal loan applicants:

Identity Proof: Aadhaar Card, PAN Card, Voter ID, or Driving License.
Address Proof: Aadhaar, utility bills (electricity/water).
Income Proof: Last 1-2 years' ITR with computation, profit & loss statements, audit reports, and 6-12 months' bank statements from current/savings accounts.
Business Proof: GST registration, shop & establishment certificate, incorporation documents, or company registration license.
Office Address Proof: Electricity bill, maintenance bill, or property documents for the business location.
Photograph: Recent passport-size colour photo.

Digital Document Submission : Apply for a Personal Loan Online

An online application for a personal loan streamlines the entire process with digital uploads by eliminating branch visits and a bulk of paperwork. Here are the steps to follow:

1. Visit the official Tata Capita website.

2. Complete the online form.

3. Upload all necessary documents.

And that’s it! You will be informed once your personal loan is approved, and the funds will be disbursed directly into your account.

Tata Capital Personal Loan Application Process: Documents and Steps

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.

Why are Personal Loan Documents Essential?

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.

No, self-attested photocopies of personal loan documents are sufficient when applying online for a personal loan. You don’t need to submit your originals, but they may be used for verification during the process.

With Tata Capital's online application, you can apply with minimum documents for a personal loan. This includes KYC proofs like Aadhaar or PAN, last 3 months' salary slips, and bank statements. Make sure that you use the e-KYC process for faster verification and to reduce paperwork.

For a personal loan application, the documents needed for personal loan approval include the bank statements from the last 3 months. These confirm your salary credits and your repayment capacity for the loan.

Utility bills like electricity, water, or gas bills serve as valid address proof as per the personal loan documents list, along with a Passport or Aadhaar. Recent utility bills that match your current address are sufficient for documents needed for personal loan verification.

e-KYC uses Aadhaar-based biometric verification for Tata Capital personal loans, for paperless KYC in under 15 seconds. It replaces physical copies with digital authentication to support minimal documents for personal loan applications online.

Yes. Having a good CIBIL score can reduce the amount of paperwork that’s needed for a personal loan approval, as a good CIBIL score of 750 or above signals creditworthiness and lower risk to lenders. But documents like KYC, salary slips, and bank statements are always required as they are part of the personal loan documents list.

More Personal Loan products for you

Personal Loan for government employees

If you are a government employees looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Apply Now

Personal Loan for salaried employees

If you are a salaried employees looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Apply Now

Personal Loan for women

If you are a women looking for a way out of a cash crunch, let Tata Capital ease your financial pains! Get an instant personal loan within a few minutes.

Apply Now

What our customers say about us

The Support person was helpful, called and explained clearly and help resolved the issues .

John Raj V

Personal Loan | 31 Oct, 2025

Tata Capital team speaks to customers in a way that make them feel welcome.

VISHWANATH VEERAPPA YADAGUDE

Personal Loan | 28 Oct, 2025

Great work TATA Team is doing. Continue the same . I am more thankful for your support.

G SREESAILA GOUDA

Personal Loan | 27 Oct, 2025

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

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

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

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

Read All

Find the right Loan for you

Personal Loan Hybrid Term Loan

Need instant cash for those unexpected needs? Tata Capital offers Personal Loan Hybrid Term Loan facility with the flexibility to withdraw funds as per your need and pay interest only on the utilized amount.

Avail multiple withdrawals and part-payment facilities without any extra charges.

Know More

Personal Loan for Wedding

A marriage today comes with its fair share of frills, thrills and not to mention - Bills.

An equal lifetime as partners, with highs and lows, joys and woes for better or worse, must begin with taking equal financial responsibility for your wedding too

Know More

Personal Loan for Medical

In times of emergency, getting funds should be a hassle free experience. That’s how we have designed our Medical Loan - a loan that is easy, fast and convenient.

We provide flexible repayment options for all cosmetic, medical and dental procedures.

Know More

Personal Loan for Travel

Want to fund your vacation but falling short on funds? An EMI based loan can be an ideal way to pay for a holiday that you can’t quite cover in one go.

Tata Capital Personal Loan for Travel is how you can make it happen. Head off on your next adventure.

Know More

Personal Loan for Home Renovation

Thinking of revamping your home? A home that reflects your personality, your style and your taste. We help you do just that with our Personal Loan for Home Renovation.

From making extensive upgrades to your interiors to finally addressing your basic repair and maintenance needs, we are the answer to your home needs. You deserve a better home. We’re here to help you.

Know More