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 IDBI Bank 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.
IDBI Bank Home Loan Documents for Salaried Customers
If you draw a regular paycheck, IDBI keeps the paperwork light—just prove your identity, income, and banking history. Gather your latest salary slips, Form 16/ITR, and six-month statements to speed through approval.
| Document | Particulars |
|---|---|
| Application Form | Application form with photograph |
| Identity & Address Proof | Identity and residence proof |
| Bank Statement (3-month salary slips) | Latest salary-slip for the last 3 months |
| Tax Returns | Form 16 / ITR |
| Bank Statement (6-month account) | Last 6 months bank statement + processing-fee cheque |
Suggested Read: IDBI Bank Home Loan Application Process
IDBI Bank Home Loan Documents for Self Employed Professionals
Doctors, architects, and other licensed pros must show both earnings and credentials. Combine three years of ITRs, P&L statements, and qualification certificates with standard ID/address proofs and bank statements.
| Document | Particulars |
|---|---|
| Application Form | Application form with photograph |
| Identity & Address Proof | Identity and residence proof |
| Education Qualification | Certificates + proof of business existence |
| Tax Returns | Last 3 years income-tax returns (self & business) |
| Profit/Loss Statement | Last 3 years P&L and balance-sheet |
| Bank Statement | Last 6 months bank statements |
| Processing Fee | Processing-fee cheque |
Suggested Read: IDBI Home Loan Interest Rates 2025
IDBI Bank Home Loan Documents for Self-Employed Non-Professionals
Business owners and traders need to establish business existence and cash flow stability. Submit a business profile, proof of business, three-year financials, and six-month bank statements alongside the usual ID and application forms.
| Document | Particulars |
|---|---|
| Application Form | Application form with photograph |
| Identity & Address Proof | Identity and residence proof |
| Proof of Business | Proof of business existence |
| Business Profile | Detailed business profile |
| Tax Returns | Last 3 years income-tax returns |
| Profit/Loss Statement | Last 3 years P&L balance |
| Bank Statement | Last 6 months bank statements (self & business) |
| Processing Fee | Processing-fee cheque |
Suggested Read: IDBI Home Loan Customer Care
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.
Also Read: Property Documents for Home Loans: NRI vs Indians
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: How Long Does Home Loan Disbursement Take After Approval?
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
You’ll need identity proof (e.g., PAN card, passport), address proof (e.g., utility bills), and income proof (e.g., salary slips, IT returns).
The bank requires KYC documents, property-related papers, and financial statements to process your home loan application.
Essential documents include ID proof, address proof, income proof, and property documents like the sale deed and NOC.
With a ₹70,000 monthly salary, you may be eligible for a home loan of approximately ₹53.41 lakh, depending on other factors.
With a ₹25,000 monthly salary, you might qualify for a home loan of around ₹15.26 lakh, subject to other criteria.
Obtaining a home loan without income proof is challenging; banks typically require documented income to assess repayment capacity.
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