Applying for a home loan with Canara Bank? Having the right paperwork in place can speed up your approval process. In this blog, we’ve listed the complete Canara Bank Home Loan Documents checklist you need to submit for a smooth and hassle-free application.
Canara Bank Home Loan General Documents
To apply for a Canara Bank Home Loan, you’ll need to submit a set of general documents to complete the application process.
| Document Type | Accepted Documents |
|---|---|
| Identity Proof | PAN Card, Aadhaar Card, Passport, Voter ID, Driving License |
| Address Proof | Aadhaar Card, Passport, Utility Bill (Electricity/Water/Gas), Rent Agreement |
| Employment Proof | Employee ID Card, Offer Letter, Appointment Letter, Employment Certificate |
Also Read: Canara Bank Home Loan Interest Rates
Canara Bank Home Loan Income Documents
The list of Canara Bank Home Loan Income Documents in table format, categorized by applicant type:
Salaried
| Document Type | Accepted Documents |
|---|---|
| Salary Slips | Last 3 to 6 months’ salary slips |
| Form 16 | Latest Form 16 issued by employer |
| Bank Statements | Last 6 months’ salary account bank statements |
| Employment Proof | Offer Letter / Employment Certificate / Appointment Letter |
Self-Employed
| Document Type | Accepted Documents |
|---|---|
| Income Tax Returns (ITR) | Last 2–3 years’ ITR with computation of income |
| Financial Statements | Audited Profit & Loss Account and Balance Sheet |
| Bank Statements | Last 6 months’ current account statements |
| Business Proof | GST registration certificate, business license, or registration certificate |
NRIs
| Document Type | Accepted Documents |
|---|---|
| Income Proof | Latest salary slips / employment contract / income letter from employer |
| Bank Statements | NRE/NRO account statements for last 6 months |
| Work/Residency Proof | Valid visa, work permit, overseas employment ID, or residency card |
| ITR (if filed in India) | Last 2 years’ ITR (if applicable) |
Also Read: Property Documents for Home Loans: NRI vs Indians
Canara Bank Home Loan Property Documents
Canara Bank requires specific property documents to verify ownership, legality, and valuation before approving a home loan.
| Document Type | Details |
|---|---|
| Sale Agreement / Allotment Letter | Agreement to Sell, Builder Buyer Agreement, or Allotment Letter |
| Title Deed / Chain of Title | Registered Sale Deed and previous ownership documents (link documents) |
| Approved Building Plan | Sanctioned layout and construction plan from local authority |
| Property Tax Receipts | Latest municipal tax paid receipts |
| Encumbrance Certificate | EC showing the property is free from legal liabilities |
| Occupancy / Completion Certificate | Issued by the local municipal authority post-completion of construction |
| NOC from Builder / Society | No Objection Certificate from relevant authorities or housing society |
Source: Canara Bank Official Website
Canara Bank Home Loan Balance Transfer Documents
To process a home loan balance transfer, Canara Bank requires both your existing loan documents and standard KYC/income proofs to evaluate your eligibility.
| Document Type | Details |
|---|---|
| KYC Documents | PAN Card, Aadhaar Card, Passport, Driving License |
| Address Proof | Utility Bill, Passport, Aadhaar Card, Rent Agreement |
| Income Documents | Salary Slips (last 3 months), Bank Statements (6 months), Form 16 / ITR (last 2 years) |
| Loan Statement | Outstanding loan statement from existing lender |
| List of Documents (LOD) | Document list from current lender confirming submitted property/legal papers |
| Sanction Letter | Copy of original home loan sanction letter from current lender |
| Repayment Track Record | 12 months’ repayment history or EMI payment record |
| Property Documents | Sale Deed, Title Deed, Approved Plan, Property Tax Receipts |
Source: Canara Bank Official Website
Canara Bank Home Loan Top Up Documents
For a home loan top-up, Canara Bank requires updated KYC, income proof, and details of the existing home loan to assess eligibility.
| Document Type | Details |
|---|---|
| KYC Documents | PAN Card, Aadhaar Card, Passport, Voter ID, Driving License |
| Address Proof | Utility Bill, Passport, Aadhaar Card, Rent Agreement |
| Income Proof (Salaried) | Latest 3 months’ salary slips, 6 months’ bank statement, Form 16 or latest ITR |
| Income Proof (Self-employed) | ITR for last 2–3 years, Profit & Loss Statement, Audited Balance Sheet, Bank statements |
| Existing Loan Statement | Home loan repayment track record and outstanding balance statement |
| Property Documents | Sale Deed, Title Deed, Occupancy Certificate, Approved Building Plan |
Source: Canara Bank Official Website
Canara Bank Home Loan Sanction Documents
After home loan approval, Canara Bank provides and collects specific sanction-related documents to finalize the disbursal process.
| Document Type | Details |
|---|---|
| Sanction Letter | Official document stating approved loan amount, interest rate, tenure, and terms & conditions |
| Signed Application Form | Duly filled and signed loan application form |
| KYC Documents | PAN Card, Aadhaar Card, Passport, Voter ID |
| Income Proof | Salary slips, ITR, bank statements (as per applicant category) |
| Property Documents | Sale Deed, Agreement to Sell, Title Deed, Approved Plan, Tax Receipts |
| Undertakings & Declarations | Self-declaration forms regarding loan usage, property status, and compliance |
| Disbursement Request Form | Form to initiate loan disbursal post-sanction |
Source: Canara Bank Official Website
Canara Bank Home Loan Pre Disbursement Documents
Before disbursing the home loan, Canara Bank requires submission of specific pre-disbursement documents to verify legal, technical, and financial compliance.
| Document Type | Details |
|---|---|
| Duly Signed Sanction Letter | Signed copy of the official loan sanction letter with accepted terms |
| Property Documents | Registered Sale Deed, Title Deed, Agreement to Sell, Approved Building Plan |
| Legal & Technical Reports | Legal clearance and technical valuation reports from empanelled advocates/engineers |
| Demand Letter from Builder/Seller | Letter requesting payment/disbursement with project or property-specific payment schedule |
| Own Contribution Proof | Bank statements showing payment of margin/own contribution towards property |
| NOC from Builder/Society | No Objection Certificate from relevant authority or housing society (if applicable) |
| Allotment Letter | For under-construction properties, issued by builder or developer |
| Disbursement Request Form | Form authorizing Canara Bank to release the sanctioned amount |
Source: Canara Bank Official Website
Canara Bank Home Loan Additional Documents
In certain cases, Canara Bank may request additional documents to support verification, legal compliance, or disbursement clarity.
| Document Type | Details |
|---|---|
| Power of Attorney (if applicable) | POA in favor of a representative if the applicant is not available in person |
| Guarantor Documents | KYC and income proof of guarantor (if required) |
| Employer NOC | No Objection Certificate from employer (for salaried applicants, if applicable) |
| CERSAI Undertaking | Declaration related to registration under Central Registry of Securitisation |
| Pending Document Undertaking | Acknowledgment of any pending documents to be submitted later |
| Additional Bank Statements | Bank statements beyond the standard 6 months, if required for further income clarity |
Check Out: Canara Bank Home Loan Eligibility Calculator
What to Do If Home Loan Documents Are Missing?
If any of your home loan documents are missing, here’s what you should do:
- Inform Canara Bank immediately about the missing documents.
- Request guidance from your loan officer on how to replace or substitute them.
- Obtain certified copies from the issuing authority (e.g., registrar office, builder, or society).
- Submit an undertaking or affidavit if the lender allows temporary submission without the document.
- Apply for duplicates of missing KYC or income documents (like PAN, Aadhaar, salary slips).
- Monitor your application status on the official portal or via customer care to avoid delays.
Also Read: How to Download Canara Bank Home Loan Statement?
How to Get Back All Original Home Loan Documents After Home Loan Closure?
Here’s how to get back your original home loan documents after closing your loan:
- Submit a written request or loan closure form to Canara Bank confirming full repayment.
- Ensure all outstanding dues, including final EMI and charges, are cleared.
- Collect a No Objection Certificate (NOC) and Loan Closure Letter from the lender.
- Visit the branch (with ID proof) to collect your original property documents (Sale Deed, Title Deed, etc.).
- Ensure the lender updates CERSAI and credit bureaus about loan closure.
- If documents were mortgaged with a registrar, request the lender to release the lien officially.
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Conclusion
Having the right documents is crucial for a smooth and timely Canara Bank Home Loan approval. Use this checklist to stay organized and avoid delays in your loan process.
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Frequently Asked Questions
ID proof, address proof, income proof, bank statements, and property documents are needed.
Yes, salaried need salary slips and Form 16, self-employed need IT returns, P&L, and business proof.
Sale deed, title deeds, approved plan, EC, and tax receipts are required.
Yes, EC for the past 13 years is typically required.
Loan statement, sanction letter, list of original docs, and NOC from the existing lender.
Yes, same as the primary applicant—ID, income, and address proofs.
Yes, it’s required to confirm there are no dues or disputes.
Yes, documentation charges apply based on the loan type and amount.
Check Canara Bank’s official website or visit your nearest branch.
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