Documents Required for Personal Loan in India — 2026
Every personal loan application needs three kinds of documents: identity proof (PAN is mandatory), address proof and income proof. Salaried applicants usually need 5–6 documents, while self-employed applicants need 7–8 including ITR and business proof.
Fintech lenders can work with as few as three — PAN, Aadhaar and a selfie for video KYC — though usually at higher interest rates.
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Fewest Documents
3
KreditBee — PAN, Aadhaar, selfie
Typical Bank
5–6
Most banks & NBFCs
Self-Employed
7–8
Includes ITR & business proof
Digital KYC
Widely available
Fintechs & large private banks
Document Checklist — Salaried Employees
Identity proof (any one)
- PAN Card (mandatory)
- Aadhaar Card
- Passport
- Voter ID Card
- Driving Licence
Address proof (any one)
- Aadhaar Card
- Passport
- Voter ID
- Utility bill (not older than 3 months)
- Rental agreement
Income proof
- Last 3 months salary slips
- Last 3–6 months bank statements showing salary credit
- Form 16 for the last 2 years
Employment proof
- Employee ID card
- Offer or appointment letter
- HR confirmation letter
Document Checklist — Self-Employed
Identity & address proof
- PAN Card (mandatory)
- Aadhaar Card
- Passport / Voter ID
- Utility bill for office or residence
Income & financial proof
- ITR for last 2 years with computation
- CA-certified P&L statement and balance sheet
- Last 6 months current account statements
Business proof
- GST registration certificate
- Trade licence / Shops & Establishment certificate
- Partnership deed or Certificate of Incorporation
Document Checklist — Government & Defence Employees
Identity proof
- PAN Card (mandatory)
- Aadhaar Card
- Government employee ID card
Income & service proof
- Last 3 months salary slips
- Service certificate from head of office
- Pension payment order (pensioners)
- Last 6 months bank statements
Documents by Lender — Quick Comparison
Salaried document list for each lender.
| Lender | Docs (Salaried) | Type | Documents Required |
|---|---|---|---|
| MoneyViewInstant Approval | 3 documents | Fintech | PAN Card · Aadhaar Card · Bank statements (3 months) |
| KreditBeeNTC Welcome | 3 documents | Fintech | PAN Card · Aadhaar Card · Selfie for video KYC |
| PrefrLow CIBIL OK | 4 documents | Fintech | PAN Card · Aadhaar Card · Last 3 months salary slips or bank statements · Selfie for video KYC verification |
| Bajaj FinservLongest Tenure | 4 documents | NBFC | PAN Card · Aadhaar Card · Salary slips (2 months) · Bank statements (3 months) |
| Tata Capital | 4 documents | NBFC | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements (3 months) |
| Federal Bank | 4 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements (3 months) |
| Poonawalla FincorpLowest NBFC Rate | 5 documents | NBFC | PAN Card · Aadhaar Card · Last 3 months salary slips · Last 3 months bank statements · Current employment proof |
| Hero FinCorp | 5 documents | NBFC | PAN Card · Aadhaar Card · Last 2 months salary slips · Last 3 months bank statements · Employment certificate or offer letter |
| Axis Bank | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements (3 months) · Form 16 |
| Kotak Mahindra Bank | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements (3 months) · Form 16 |
| IDFC FIRST Bank | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements (3 months) · Form 16 |
| IndusInd Bank | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements (3 months) · Form 16 |
| Yes Bank | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements (3 months) · Form 16 |
| Punjab National BankLow PSU Rate | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements (6 months) · Form 16 / salary certificate |
| Bank of Baroda | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements · Form 16 |
| Union Bank of IndiaLowest Rate | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips · Bank statements · Form 16 |
| Canara Bank | 5 documents | Bank | PAN Card · Aadhaar Card · Salary slips (3 months) · Bank statements · Form 16 |
| HDFC BankMost Popular | 6 documents | Bank | PAN Card · Aadhaar Card / Passport / Voter ID · Last 3 months salary slips · Last 3 months bank statements · Form 16 / ITR (last 2 years) · Employee ID or HR letter |
| State Bank of IndiaGovt Employee Favourite | 6 documents | Bank | PAN Card · Aadhaar Card · Last 3 months salary slips · Last 6 months bank statements · Form 16 (latest) · Employment proof / offer letter |
| ICICI BankHigh Limit | 6 documents | Bank | PAN Card · Aadhaar Card / Passport / Voter ID · Last 3 months salary slips · Last 3 months bank statements · Form 16 (last 2 years) · Employer ID or HR letter |
Last reviewed August 2026. Actual terms depend on your credit profile and the lender's assessment. GST at 18% applies on fees.
Expert Tips
- 1Link your Aadhaar and PAN to your mobile number — OTP-based e-KYC is the fastest route.
- 2Download bank statements as PDFs from net banking; every lender accepts them.
- 3Make sure your name is spelled the same on PAN, Aadhaar, salary slips and bank account.
- 4Self-attest photocopies (sign and write 'true copy') for branch applications.
- 5Keep all documents in one folder before you start so you can finish in one sitting.
Frequently Asked Questions — Documents Required for Personal Loan
Is PAN card mandatory for a personal loan?
Yes. A PAN card is mandatory for personal loans in India. Without it, lenders cannot process your application.
Can I get a personal loan with only Aadhaar and PAN?
Some fintech lenders such as KreditBee process loans with PAN, Aadhaar and a selfie for video KYC. Banks and most NBFCs also ask for income proof such as salary slips or bank statements.
What if I don't have salary slips?
You can usually submit six months of bank statements showing regular salary credits, Form 16 or ITR, or a salary certificate on company letterhead. See our guide on personal loans without salary slips.
How recent should bank statements be?
Most lenders want the latest 3–6 months, ending within the last month. Statements downloaded from net banking are accepted.
Do I need to visit a branch to submit documents?
Not usually. Private banks, NBFCs and fintechs accept digital uploads. Public sector banks such as PNB, Union Bank and Canara Bank often still ask for a branch visit.
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Figures last reviewed August 2026 and shown for information only. Interest rates, fees and eligibility are set by each lender and depend on your credit profile — confirm the final terms in the lender's Key Fact Statement before you sign. RateCut is a loan marketplace, not a lender.