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When applying for a home loan with State Bank of India, you will need to provide specific documents that verify your identity, income, and property details.
Here’s all the necessary documents for an SBI home loan, categorized for easy reference by salaried, self-employed, and NRIs.
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SBI Home Loan: General 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.
| Category | Documents Required |
|---|---|
| Loan Application | Completed Loan Application Form 3 Passport Sized Photographs |
| Proof of Identity | PAN Card/ Passport/ Driver’s License/ Voter ID card/ Aadhar Card |
| Proof of Address | Telephone Bill/ Electricity Bill/Water Bill/ Piped Gas Bill/ Driving License/ Aadhar Card/ Passport |
| Proof of Employment | Employer Identity Card |
SBI Home Loan: Income Proof Documents
Income proof documents are important for assessing your ability to repay the home loan.
SBI Home Loan: Income Proof Documents For Salaried
| Income Proof for Salaried Applicant/ Co-applicant/ Guarantor |
|---|
| Salary Slip or Salary Certificate of last 3 months |
| Copy of Form 16 for last 2 years or copy of IT Returns for last 2 financial years, acknowledged by IT Dept. |
SBI Home Loan: Income Proof Documents For Self Employed
| Income Proof for Self Employed Applicant/ Co-applicant/ Guarantor |
|---|
| Business address proof |
| IT returns for last 3 years |
| Balance Sheet & Profit & Loss A/c 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: 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: Best Property Valuation Practices
SBI Home Loan: Account Statement Documents
Account statement documents provide a clear view of your financial transactions and existing financial obligations.
By reviewing your bank statements and loan account histories, SBI can accurately assess your financial health and determine your capacity to manage additional loan repayments.
| 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 |
Must Read: Smartest Way to Make Home Loan EMI Repayments
SBI Home Loan: Balance Transfer Documents
Transferring your existing home loan to SBI 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.
| 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 |
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SBI Home Loan: NRI Documents
NRI documents are specially required for NRIs applying for an 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.
SBI Home Loan: NRI 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 |
SBI Home Loan: NRI Income Proof Documents For Salaried
| Income Proof for Salaried Applicant/ Co-applicant/ Guarantor |
|---|
| Valid work permit |
| Employment contract – an English translation duly attested by employer/ consulate / our foreign office / Embassy in case it is in any other language |
| Last three months’ salary certificate/slip |
| Last six months’ Bank Statement showing salary credit |
| Latest salary certificate /slip in original and copy of identity card issued by the current employer |
| Duly acknowledged copy of last year Individual Tax Return except for NRIs/PIOs located in Middle East countries and employees in the Merchant Navy. |
SBI Home Loan: NRI Income Proof Documents For Self Employed
| Income Proof for Self Employed Applicant/ Co-applicant/ Guarantor |
|---|
| Business address proof |
| Proof of income in case of self-employed professionals/businessmen. |
| Last 2 years Audited/C.A. certified Balance Sheet and P&L accounts, |
| Last 2 years Individual Tax Return except for NRI/PIO located in Middle east countries |
| Last six months’ Bank Statement of overseas account in the name of individual as well as company/unit. |
SBI Home Loan: 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. |
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Frequently Asked Questions
For identity verification, SBI requires official government-issued IDs such as PAN card, Aadhaar card, Passport, or Driving License.
SBI asks for property documents such as the sale deed, agreement of sale, possession letter, and recent property tax receipt.
Yes, NRIs need to provide documents proving their NRI status, such as a valid visa and work permit, to apply for a home loan with SBI.
Financial documents should be updated if the loan processing extends over several months to ensure all information reflects your current financial status.
Digital copies can be submitted for preliminary review, but original documents are typically required for final verification.
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