Home loan document checklist (self-employed)

For self-employed professionals and business owners buying a home. Lenders assess your income from tax returns, financials and banking, and each has its own list, so bring what applies to you.

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Tick items off as you collect them. Ticks are not saved or sent anywhere. 21 documents

01KYC (all applicants)

PAN card, or Form 60 if you do not have a PAN
Identity and address proof: Aadhaar, passport, voter ID or driving licence
Recent passport-size photographs
Signed loan application form

02Income documents

Income tax returns for the last 3 years, with computation of income
Balance sheet and profit and loss account for 3 yearsAudited or CA-certified, where applicable.
TDS certificates (Form 16A), where applicable
GST returns of the businessTurnover should match your ITRs and bank statements.

03Business proof

Business address proof
Business licence or registration, such as GST or Udyam
Partnership deed or company documents, if applicable
Qualification certificate, for doctors, CAs and other professionals

04Banking and existing loans

Bank statements of all accounts for the last 6 months
Statements of existing loans for the last 1 year
List of other loans and guarantees in your nameBusiness loans in your own name count towards your EMI burden.

05Property documents

Allotment letter and registered agreement for sale, for a new flat
MahaRERA registration number, for an under-construction project
Occupancy certificate (OC), for a ready flat
Share certificate and society NOC, for a resale flat
Chain of previous title documents
Receipts for payments made to the builder or seller

Sources

Home loan to non-salaried (differential offerings) — State Bank of India
SBI regular home loan — State Bank of India
Legal and valuation documents checklist — ICICI Bank

Last reviewed 5 October 2026.

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Home loan document checklist (self-employed)

Home Loan

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Sources

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