A general checklist of what most lenders ask for. Exact requirements vary by lender, loan type and your profile — always confirm with the lender directly.
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Identity & Address
PAN card (mandatory for most credit)
Aadhaar card / Voter ID / Passport / Driving licence
Recent utility bill or rent agreement as address proof
Passport-size photographs
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Income — Salaried
Last 3 months' salary slips
Last 6 months' bank statements (salary account)
Form 16 / latest income tax returns
Employment proof or appointment letter
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Income — Self-employed
Income tax returns for the last 2–3 years
Profit & loss statement and balance sheet
Last 6–12 months' business bank statements
Business registration / GST certificate
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Loan-specific
Home loan: sale agreement, property title documents
Car loan: vehicle quotation / proforma invoice
Education loan: admission letter, fee structure
Business loan: business vintage proof, financials
This is general guidance only. Finzio is a calculator tool and does not collect documents, process applications or arrange loans. Confirm the exact requirements with your chosen lender.