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 Tata Capital 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.
Tata Capital Home Loan: General Documents
General documents form the foundation of your Tata Capital 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 Tata Capital.
| Document Category | Accepted Documents |
|---|---|
| A. Age Proof | – Life Insurance Policy – PAN Card – Passport – Birth Certificate – Driving License – School Leaving Certificate |
| B. Photo Identity Proof | – Aadhaar Card – Voter ID – PAN Card – Driving License – Passport |
| C. Address Proof | – Bank Statements – Property Tax Receipt – Voter ID – Utility Bills – Property Registration Documents |
Suggested Read: Tata Capital Home Loan Customer Care
Tata Capital Home Loan: Income Proof
Income proof documents are important for assessing your ability to repay the home loan.
| Applicant Type | Employment / Business Proof | Income Proof |
|---|---|---|
| Salaried | – Appointment Letter – Yearly Increment Letter | – Salary Slips (last 3 months) – Salary Bank Account Statements (last 12 months) – Certified true copy of Form 16 |
| Self-Employed | – Business Profile on letterhead – Business Registration Certificate | – Income Tax Returns (last 2 years) – P&L Projection Statement (last 2 years) – Operative Current Account Statement (last 12 months) – CC/OD Bank Statements (last 12 months, if applicable) |
| NRIs | – Appointment Letter or Previous Employment History | – Pay Slips (last 6 months) – Overseas Salary Account Statements – NRE/NRO Bank Statements (last 12 months) |
Suggested Read: Tata Capital Travel and Home Insurance
Tata Capital 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 |
Suggested Read: Tata Capital Home Loan Statement Download
Tata Capital Balance Transfer Documents
Transferring your existing home loan to Tata Capital 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 Documents |
|---|
| KYC Documents |
| Home Loan Statements from Previous Bank |
| Bank Account Statement |
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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