Buying a home is a significant milestone, and securing a home loan is an essential part of this journey.
Axis Bank offers home loans with attractive interest rates and flexible repayment options.
However, to ensure a smooth loan application process, you must provide the necessary documents.
In this guide, we’ll cover the essential documents required for an Axis Bank home loan and tips to streamline your application process.
Documents Requried For a Home Loan From AXIS Bank: Comprehensive Guide
To apply for a home loan with Axis Bank in 2025, you’ll typically need to provide documents that verify your identity, address, income, and property details. The specific documents required may vary based on whether you are salaried, self-employed, or an NRI.
Here’s a general overview of the documents you may need:
General Documents:
- Application Form A completed home loan application form with passport-sized photographs.
- Proof of Identity Documents such as a PAN card, passport, Aadhaar card, driver’s license, or Voter ID.
- Proof of Address Documents like utility bills, Aadhaar card, passport, driver’s license, or Voter ID.
- Proof of Signature Passport/ PAN Card/ Banker’s Verification/ Notarized Affidavit with ID and Address proof.
- Proof of Date of Birth Passport/ PAN Card/ Aadhaar Card/ Driving License/ Birth Certificate/ SSC Marksheet.
Income Proof Documents:
- For Salaried Individuals Pay slips for the last 3 months, Form 16, and bank statements for the last 6 months showing salary credits.
- For Self-Employed Individuals Income Tax Returns (ITR) for the last 2 years, including computation of income, Profit & Loss statement, and balance sheet with a CA seal and signature. Also, bank statements for the last 6 months for both personal and business accounts.
- For NRIs 3-month pay slip, appointment letter/contract letter, 6-month domestic NRE/NRO account statement, 6-month international salary account statement, overseas credit report, and a copy of a valid visa/OCI card.
Property Documents:
- Sale agreement.
- Title deed.
- Approved building plan.
- Land and building tax paid receipts.
- Allotment letter from builder/housing board/co-operative society.
- No Objection Certificate (NOC) under the Urban Land Ceiling Act, 1976.
Other Important Documents and Checks:
- Loan agreement and annexures.
- NACH mandate/SI form and Security Cheques.
- Processing fee cheque.
- Property insurance application.
- Self-attestation on all submitted documents.
Source of Information: List of Documents Required for Home Loan in 2025.
Axis Bank Home Loan: General Documents
General documents form the foundation of your Axis Bank home loan application.
These essential papers verify your identity, employment status, and residential address, ensuring that all applicants meet the basic eligibility criteria set by Axis Bank.
| Category | Documents Required |
|---|---|
| Application Form | Completed Loan Application Form 3 Passport Sized Photographs |
| Proof of Identity | Passport/ Aadhaar Card/ Driving License/ Voter ID/ GOI Issued Photo ID/ Govt. Employee ID |
| Proof of Address | Aadhaar Card/ Driving License/ Voter ID/ GOI Issued Photo ID/ Govt. Employee ID/ Electricity Bill/ Gas Bill/ Telephone (Landline) Bill/ Property Tax Reciept |
| Proof of Date of Birth | Passport/ PAN Card/ Aadhaar Card/ Driving License/ Birth Certificate/ SSC Marksheet |
| Proof of Signature | Passport/ PAN Card/ Banker’s Verification/ Notarized Affidavit with ID and Address proof |
Suggested Read: Axis Bank Home Loan Interest Rates in 2025.
Axis Bank Home Loan: Income Proof Documents
Income-proof documents are important for assessing your ability to repay the home loan.
Axis Bank Home Loan: Income Proof Documents For Salaried
| Income Proof for Salaried Applicant/ Co-applicant/ Guarantor |
|---|
| Pay-slips for the Last 3 Months |
| 6 Months Pay-slips/ 2 Years Bonus Proof (in case of variable pay) |
| Salary Account Bank Statement for the Last 6 Months |
| Form 16/ Employment Continuity Proof for the Last 2 Years |
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Axis Bank Home Loan: Income Proof Documents For Self-Employed
| Requirements |
|---|
| 2 yrs ITR, Computation of Income, P&L, Balance sheet with CA seal and sign |
| For Asha HL – 1 yr ITR, Computation of Income, P&L, Balance sheet with CA seal and sign |
| Tax Audit Report (If Gross Turnover Exceeds Rs 1 Cr or Gross Receipts Exceeds 25 Lac) |
| 6 months bank statements of personal and business accounts |
| If ITR is filed without digital sign – CPC and tax paid challan |
| Business continuity proof (3 yrs for HL / 5 yrs for LAP) |
Axis Bank Home Loan: Income Proof Documents For NRIs
| Requirements for NRI Salaried |
|---|
| 3 month pay slip |
| Appointment letter/contract letter |
| Continuous Discharge Certificate for Shipping cases |
| 6 month Domestic NRE/NRO a/c statement |
| 6 month international salary a/c statement |
| Overseas credit report |
| Valid visa copy/OCI card |
| Passport copy |
| POA details |
Must Read: How to check your Axis Bank home loan application status?
Axis Bank Home Loan: Property Documents
Property documents establish the legitimacy and value of the property you intend to purchase. These papers ensure that the investment is secure and compliant with all regulatory standards.
| Property Documents |
|---|
| Permission for construction (where applicable) |
| Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale |
| Occupancy Certificate (in case of ready to move property) |
| Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt |
| Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property) |
| Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller |
Must Read: Plot loans from Axis Bank: Explore EMI, Interest Rate, and Eligibility Details.
Axis Bank Home Loan Documents for Applicants Who Are Partners/ Directors
Applicants who are partners in a partnership firm or directors in a company must provide specific documents to meet Axis Bank’s home loan eligibility criteria. These documents ensure proper verification of financial and legal standing.
Applicants Who Are Partners in a Firm
| Partner / Partnership Firm |
|---|
| Partnership Deed, List of Partners, NOC as per Axis Bank format |
| Partnership firm’s audited ITR along with complete financials |
| Partnership authority letter on letterhead of the Firm signed by all partners in case the Firm is to stand as guarantor |
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Applicants Who Are Directors of a Company
| Director of a Company |
|---|
| For the company – 2 yrs ITR, Computation of Income, P&L, Balance sheet with CA seal and sign |
| Tax Audit Report (Where Gross Turnover Exceeds Rs 1 Cr or Gross Receipts exceeds 25 Lac) |
| Board Resolution (if Company is applicant) as per Axis Bank format |
| Certificate of Incorporation, MOA, and AOA |
| DIN of all Directors, Board Resolution if Company (as per Axis Bank format) |
| Latest Share Holding Pattern duly signed by Company Secretary/List of Directors |
Axis Bank Home Loan: Documents Required Before Loan Disbursement
Here’s the simplified 2-column table based on the provided data:
| Document | Checks & Controls |
|---|---|
| Loan Agreement and Annexures | Loan agreement MCLR consent letter Schedule of loan agreement List of documents Disbursement request |
| NACH Mandate/SPDC | NACH/SI mandate SPDC with security PDCs Undated cheque Cheque towards PEMI amount |
| Loan Cover/Insurance Details | Property insurance application General insurance application Life insurance application |
| Processing Fee/Equitable Mortgage Cheques | Balance processing fee cheque and equitable mortgage charges. |
| Property Documents | As per type of transaction and bank’s policy. |
| Balance Transfer/Takeover | Original list from previous financer Loan A/C statement Existing loan details Indemnity document |
| Own Contribution Receipts | Receipts and bank statement showing debit of contribution. |
| Sanction Letter | Duly signed by applicants or power of attorney with all conditions met. |
| TDS | TDS challan and bank statement if paid; indemnity for deduction if not paid. |
| PSL Documents | Audited balance sheet CA certificate Invoice, profit and loss account GST certificate PSL annexures |
| Other Documents (if applicable) | EMI letter Indemnity bond Dual name affidavit PMAY affidavit Amenities agreement |
Must Read: Smartest Way to Make Home Loan EMI Repayments
Axis Bank Home Loan: Documents Required for Balance Transfer
Transferring your existing home loan to Axis Bank can help you take advantage of better interest rates and favorable terms. To facilitate a smooth balance transfer process, you need to provide specific documents that verify your current loan details and financial standing.
| Balance Transfer |
|---|
| Home Loan Account Statement for the Last 12 Months with Latest Outstanding Letter |
| Existing Home Loan Details |
| Bank Statement from where EMI was Deducted for the Last 6 Months |
Maximize Your Savings with Axis Bank Home Loan Balance Transfer.
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Frequently Asked Questions
You’ll need your ID, proof of income, address proof, and property documents.
Yes, a PAN card is mandatory for all loan applicants.
Yes, NRIs can apply with a valid passport, visa, and proof of income.
For salaried individuals, recent pay slips and bank statements showing salary are needed.
Yes, self-employed individuals must submit recent ITR, financial statements, and bank statements.
Before the disbursement of the home loan, applicants must fulfill several requirements. They need to sign the loan agreement along with all necessary annexures.
A National Automated Clearing House (NACH) or Standing Instruction (SI) mandate must be provided along with a signed canceled cheque for EMI deductions.
Applicants also need to submit a property insurance application form, pay processing fees, and settle any equitable mortgage charges. Additionally, they must ensure compliance with all sanction conditions set by the bank.
Applicants must provide valid proof of address to complete their home loan application. Accepted address proof documents include an Aadhaar Card, Driving License, Voter ID, Government Employee ID, or utility bills such as an electricity bill, gas bill, or telephone bill. Additionally, a Property Tax Receipt can also be used as address proof.
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