Guide
Documents required for a home loan in India: what SBI, HDFC Bank and ICICI Bank ask for
- Everyone
- PAN, ID and address proof, 6 months of statements
- Salaried
- Salary slips and Form 16
- Self-employed
- ITRs, profit and loss and balance sheet
Every lender sets its own list, but the big ones agree on most of it. Here is what SBI, HDFC Bank and ICICI Bank each ask for, and where they differ.
A real moment
“The loan officer emails a list of fourteen documents on a Friday. Half are in your inbox somewhere, two are at your parents' house, and the builder's allotment letter is a photo on your old phone.”
Lenders ask for PAN, ID and address proof, income proof (salary slips and Form 16, or ITRs and accounts if you are self-employed), the last 6 months of bank statements, and the property papers. SBI, HDFC Bank and ICICI Bank all want 6 months of statements; slip and ITR counts differ.
The checklist
What to have ready
Last checked against the official sources on 26 September 2026
Every applicant
- Application form with photosSigned, with passport-size photos of every applicant and co-applicant (SBI and HDFC Bank).
- PAN cardOr Form 60 if you have no PAN.
- ID and address proofPassport, driving licence, voter ID, Aadhaar, NREGA job card or NPR letter.
- Bank statementsThe last 6 months, for all your accounts. SBI, HDFC Bank and ICICI Bank all ask for 6 months.
- Statements for loans you already haveSBI asks for the last year of the loan account.Only if you have another loan running
Salaried
- Salary slipsThe last 3 months at SBI and HDFC Bank. ICICI Bank asks for the latest one.
- Form 16 or income tax returnsSBI asks for 2 years. HDFC Bank and ICICI Bank ask for the latest Form 16.
- Appointment letterYour employment contract or appointment letter (HDFC Bank).Only if you joined your employer less than a year ago
Self-employed
- Income tax returns3 years at SBI. 2 years at ICICI Bank, certified by a CA or audited.
- Profit and loss account and balance sheetSBI asks for 3 years of each.
- Business papersBusiness address proof and licence (SBI). GST returns for the last year (ICICI Bank).
Property papers
- Allotment letter or sale agreementWith receipts for what you have paid the builder or seller so far.
- Approved planThe approved building plan, and the builder's development agreement (SBI).
- Occupancy certificateAsked for by SBI.Only if the home is ready to move into
- Title deeds and the chain of ownershipThe previous title documents, so the lender can check who owned it before (HDFC Bank).Only if you are buying a resale home
- Plot papers and building estimateTitle deeds of the plot, plans approved by the local authority, and an architect's or engineer's estimate (HDFC Bank).Only if you are building on your own plot
Scan each paper once and DigiSafe ticks it off, shows what is still missing, and sends the lot as one PDF or one link.
Tick these off in DigiSafeChecked against three big lenders
Salaried and self-employed, side by side
Property papers for new, resale and self-built
Everyone
PAN, ID and address proof, 6 months of statements
Salaried
Salary slips and Form 16
Self-employed
ITRs, profit and loss and balance sheet
Property
Allotment letter or sale agreement, and title papers
There is no single official list
Each lender sets its own documents. HDFC Bank and ICICI Bank both call their lists indicative and say they may ask for more. What they share is the KYC core, proof of income, and proof that the property's papers are in order.
Salaried: slips, Form 16 and statements
SBI and HDFC Bank ask for three months of salary slips; ICICI Bank asks for the latest one. SBI wants two years of Form 16 or ITRs, while the others ask for the latest Form 16. All three want six months of bank statements that show your salary coming in.
Self-employed: returns and accounts
SBI asks for three years of income tax returns, profit and loss accounts and balance sheets. ICICI Bank asks for two years of CA-certified or audited returns, plus a year of GST returns. Keep the acknowledgements with each return.
Property papers depend on the home
For a new flat, lenders want the allotment letter or sale agreement, the approved plan and your payment receipts. For a resale home, HDFC Bank asks for the title deeds with the previous chain of ownership. Building on your own plot adds the plot's title deeds, approved plans and a construction estimate.
Self-attest every copy
HDFC Bank asks for every document to be self-attested, which means signed by you. Scan the originals once, then print and sign the copies the lender wants.
Step by step
- 1
Get your lender's current list, since each one sets its own.
- 2
Open Packs in DigiSafe and choose Home loan.
- 3
Scan your PAN, ID and address proof, both sides.
- 4
Add 6 months of statements for every account.
- 5
Add salary slips and Form 16, or ITRs and accounts if self-employed.
- 6
Scan the property papers, then send it all as one PDF or one link.
Questions people ask
How many months of bank statements do I need for a home loan?+
Six, at SBI, HDFC Bank and ICICI Bank. SBI asks for statements of every account you hold.
How many years of ITR does a self-employed applicant need?+
SBI asks for 3 years, and ICICI Bank asks for 2 years, certified by a CA or audited. Check your own lender's current list.
Does a co-applicant need documents too?+
Yes. SBI and HDFC Bank ask for photos of every applicant and co-applicant on the form, and each applicant goes through KYC.
Is this an official list?+
No single official list exists: each lender sets its own, and HDFC Bank and ICICI Bank say theirs are indicative. This page shows what the three lenders' own pages said when we checked them.
Where this comes from
Official sources, dated.
Every requirement on this page comes from the official pages listed here, last checked on 26 September 2026. Rules change and offices can ask for more, so check the official page before you go.
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