Estimated reading time: 7 minutes
You’ve got your heart set on a new home—now it’s time to make sure you have the right paperwork in place. If you’re looking at a SBI Home Loan, you’ll want to gather certain documents first.
To simplify your experience, we’ve gathered every document you’ll need into one clear checklist. Following this guide will help you avoid last-minute scrambles and keep your loan application on track.
SBI Home Loan: Common Identity Documents
General documents form the foundation of your SBI 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 SBI.
| Document | Description |
|---|---|
| Employer Identity Card | Card issued by employer to verify employment status. |
| Loan Application | Completed loan application form with 3 passport size photos. |
| Proof of Identity | PAN, Passport, Driver’s License, or Voter ID card. |
| Proof of Residence/ Address | Recent Telephone Bill, Electricity Bill, Water Bill, Piped Gas Bill, Passport, Driving License, or Aadhar Card. |
Suggested Read: SBI Home Loan Interest Rates 2025
SBI Home Loan: Property Docments
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: Best Property Valuation Practices
SBI Home Loan: Income Proof Documents
Income proof documents are important for assessing your ability to repay the home loan.
| Salaried Applicant/Co-applicant/Guarantor | Self-Employed Applicant/Co-applicant/Guarantor |
|---|---|
| Salary Slip or Salary Certificate of last 3 months | Business address proof |
| Copy of Form 16 for last 2 years / IT Returns for last 2 financial years | IT Returns for last 3 years |
| Balance Sheet & Profit & Loss Account for last 3 years | |
| Business License Details (or equivalent) | |
| TDS Certificate (Form 16A, if applicable) | |
| Certificate of qualification (for C.A./Doctor and other professionals) |
Must Read: How to Get a Home Loan With Out Income Proof?
SBI Home Loan: Account Statement Documents
| Account Statement |
|---|
| Last 6 months Bank Account Statements for all Bank Accounts held by the applicant/s |
| If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year |
Suggested Read: Minimum CIBIL Score Required for a SBI Home Loan
SBI Home Loan: Balance Transfer Documents
| Home Loan Balance Transfer Documents |
|---|
| List of original documents held at Bank |
| Loan a/c statement for the past one year |
| Sanction Letter |
| Interim Period Security |
Suggested Read: SBI Home Loan Application Process
SBI Home Loan: NRI Documents
NRI documents are specially required for NRIs applying for a SBI home loan. These documents help verify your overseas status, income sources, and financial stability, ensuring that your loan application complies with the bank’s guidelines for NRIs.
General Documents
| Category | Details |
|---|---|
| Identity Proof | Proof of Identity (PAN, Passport, Driver’s License, Voter ID card) |
| Employment Proof | Employer Identity Card Attested copy of valid Passport and visa |
| Address Proof | Address proof mentioning the current overseas address Proof of Residence/Address (e.g., Telephone Bill, Electricity Bill, Water Bill, Piped Gas Bill, Passport, Driving License, Aadhaar Card) |
| Specialized Documents for Specific Applicants | Copy of Continuous Discharge Certificate (CDC) for merchant navy employees PIO Card issued by the Government of India (for Persons of Indian Origin) |
| Attestation of Documents | Can be done by: – FOs/Representative Offices – Indian Embassy/Consulate – Overseas Notary Public – Officials of Branch/Sourcing outfits in India |
| Loan Application Form | Loan application form duly filled 3 passport-size photographs |
Income Proof Documents
| Salaried Applicant/Co-applicant/Guarantor | Self-Employed Applicant/Co-applicant/Guarantor |
|---|---|
| Valid work permit | Business address proof |
| Employment contract (English translation duly attested by employer/consulate/foreign office/Embassy if in another language) | Proof of income in case of self-employed professionals/businessmen |
| Last three months’ salary certificate/slip | Last 2 years Audited/C.A. certified Balance Sheet and P&L accounts |
| Last six months’ Bank Statement showing salary credit | Last 2 years Individual Tax Return except for NRI/PIO located in Middle East countries |
| Latest salary certificate/slip in original and copy of identity card issued by the current employer | Last six months’ Bank Statement of overseas account in the name of individual as well as company/unit |
| Duly acknowledged copy of last year Individual Tax Return (except for NRIs/PIOs located in Middle East or Merchant Navy employees) |
NRI Account Statement Documents
| Account Statement |
|---|
| Bank account details for the previous 6 months overseas account showing salary and savings and Indian account if any. |
| If any previous loan from other Banks/Lenders, then Loan A/C statement for last 1 year. |
Suggested Read: SBI NRI Home Loan Eligibility Criteria
What to Do If Home Loan Documents Are Missing?
It’s easy to misplace or overlook paperwork when you’re juggling all the details of a home loan application. Missing documents, however, can delay your approval process or lead to a rejected application. If you find yourself in this situation, here’s what you can do:
- Identify what’s missing: Determine exactly which document(s) are absent (e.g., income proof, ID, bank statements).
- Request copies: Contact your bank, employer, or relevant government office to obtain duplicates.
- Ask for an extension: If near a deadline, request more time from your lender.
- Offer alternatives: Provide older records or alternate documents temporarily if acceptable.
Suggested Read: How Long Does Home Loan Disbursement Take After Approval?
What To Do If You’ve Lost Your Property Documents?
| Step | Action | Purpose | Benefit |
|---|---|---|---|
| File an FIR | – Visit your local police station – File a First Information Report (FIR) | – Officially document the loss – Establish legal record | – Legal protection – Prevent fraudulent use |
| Publish an Advertisement | – Place ads in two newspapers (one in a mainstream language, one in a local dialect) | – Publicly declare the loss as required by law | – Strengthens your claim – Boosts recovery chances |
| Submit to the Sub-Registrar | – Visit the sub-registrar’s office – Submit the FIR, newspaper ad copies, and a detailed application | – Formally declare your documents as lost | – Completes legal notification process |
| Apply for Duplicate Copies | – Attach an affidavit detailing the loss and recovery efforts – Submit an application for duplicate copies | – Replace the original documents after verification | – Restores legal ownership |
Suggested Read: Home Loans Without ITR
Documents to Secure After Closing Your Home Loan
- Original Property Documents: Retrieve the original documents submitted with your loan.
- No Dues Certificate (NDC): Secure confirmation that all dues have been cleared.
- Lien Removal Confirmation: Obtain proof that the mortgage lien has been removed.
- Updated Non-Encumbrance Certificate (NEC): Ensure the certificate reflects the closed loan.
- Loan Repayment Statements: Keep bank statements verifying complete repayments.
- Post-Dated Cheques: Collect any cheques provided during the loan process.
Suggested Read: Home Loan Closure Process
Conclusion
Buying a home is a big step. Getting a home loan can be hard, but we make it easy. At Credit Dharma, we make this possible by offering lowest guaranteed interest rates that keep your monthly payments manageable, allowing you to enjoy more of what truly matters.
But that is not it. We offer:
- Guaranteed up to 100% funding
- Receive lifetime assistance and expert guidance long after your loan is approved.
- Enjoy a fully digital process with minimal paperwork
- Get your loan approved within just 1-2 weeks.
Frequently Asked Questions
To apply for an SBI bank loan, you need proof of identity, proof of residence, proof of income, account statements, and property papers. Specific examples include PAN Card, Aadhaar Card, salary slips, bank statements, and a sale agreement.
With a ₹70,000 monthly salary, you may be eligible for a home loan of approximately ₹53.41 lakh, depending on other factors.
Obtaining a home loan without income proof is challenging; banks typically require documented income to assess repayment capacity.
Legal documents for a home loan include the Property Title Deed, Sale Agreement, Approved Building Plan, No Objection Certificate (NOC), Encumbrance Certificate, Property Tax Receipts, and an Occupancy Certificate.
Eligibility for an SBI home loan includes being between 18 and 70 years old, having a stable income, and maintaining a good credit score (usually 650 or above). The property must meet SBI’s criteria, and having co-applicants can enhance eligibility.
HDFC Home Loan
SBI Home Loan
