Documents Required for a Personal Loan: Full Checklist
For a personal loan you need your KYC documents (PAN and Aadhaar), recent bank statements, and proof of income: salary slips and Form 16 if you're salaried, or your latest ITR and business proof if you're self-employed. Below is the exact checklist FundsForSure uses for each type of applicant. It follows the strictest requirement among the lenders we checked, so one set of documents is accepted by all of them.
Salaried employees (government or private)
| Document | What to upload | Needed? |
|---|---|---|
| KYC documents | PAN card and Aadhaar card (both sides) | Required |
| Bank statements | All active accounts, last 3 months, without a password | Required |
| Salary slips | Last 3 months. No substitute: a salary certificate or offer letter is not accepted | Required |
| ITR / Form 16 | Latest Form 16, or latest ITR if your employer does not issue Form 16 | Required |
| Address proof | Only if your current address differs from Aadhaar: electricity bill, rent agreement, passport or voter ID | Optional |
| Passport-size photograph | Recent photo | Optional |
| PAN number | Typed into the form; used for your credit (CIBIL) check | Required |
Self-employed professionals (doctors, CAs, consultants, freelancers)
| Document | What to upload | Needed? |
|---|---|---|
| KYC documents | PAN card and Aadhaar card (both sides) | Required |
| Bank statements | All active accounts, last 6 months, without a password | Required |
| ITR / Form 16 | ITR for the latest year | Required |
| GST returns | Latest GST returns, if GST-registered | Optional |
| Office / business address proof | Office rent / lease agreement or ownership proof | Required |
| Qualification / registration certificate | Degree or registration certificate, showing 2–3 years of practice | Required |
| Address proof | Only if your current address differs from Aadhaar: electricity bill, rent agreement, passport or voter ID | Optional |
| Passport-size photograph | Recent photo | Optional |
| PAN number | Typed into the form; used for your credit (CIBIL) check | Required |
Business owners and self-employed traders
| Document | What to upload | Needed? |
|---|---|---|
| KYC documents | PAN card and Aadhaar card (both sides) | Required |
| Bank statements | All active accounts, last 6 months, without a password | Required |
| ITR / Form 16 | ITR for the latest year | Required |
| GST returns | Latest GST returns, if GST-registered | Optional |
| Business registration | Registration showing the business has run for 2–3 years: Udyam, GST, Shop & Establishment or partnership deed | Required |
| Office / business address proof | Office / shop rent or lease agreement, or ownership proof | Required |
| Address proof | Only if your current address differs from Aadhaar: electricity bill, rent agreement, passport or voter ID | Optional |
| Passport-size photograph | Recent photo | Optional |
| PAN number | Typed into the form; used for your credit (CIBIL) check | Required |
Pensioners
| Document | What to upload | Needed? |
|---|---|---|
| KYC documents | PAN card and Aadhaar card (both sides) | Required |
| Bank statements | All active accounts, last 3 months, without a password | Required |
| Pension slips and PPO | Pension slips for the last 3 months and the pension payment order | Required |
| Address proof | Only if your current address differs from Aadhaar: electricity bill, rent agreement, passport or voter ID | Optional |
| Passport-size photograph | Recent photo | Optional |
| PAN number | Typed into the form; used for your credit (CIBIL) check | Required |
Farmers
| Document | What to upload | Needed? |
|---|---|---|
| KYC documents | PAN card and Aadhaar card (both sides) | Required |
| Bank statements | All active accounts, last 6 months, without a password | Optional |
| Land records (Record of Rights) | Khatian, Khatauni, 7/12, Jamabandi etc. as per your state, certified by the revenue office; or a tenancy / sharecropping agreement | Required |
| Crop details | Crops you grow and the area (acres) for each; a signed declaration is fine | Required |
| Address proof | Only if your current address differs from Aadhaar: electricity bill, rent agreement, passport or voter ID | Optional |
| Passport-size photograph | Recent photo | Optional |
| PAN number | Typed into the form; used for your credit (CIBIL) check | Required |
Which ID documents count as KYC?
The RBI's KYC rules accept these as officially valid documents for identity and address: passport, driving licence, proof of possession of an Aadhaar number, voter ID card, NREGA job card signed by a state government officer, and a letter from the National Population Register. Lenders also need your PAN.
How lenders' checklists compare
Banks ask for slightly different things. FundsForSure's checklist covers the longest period each of them asks for:
| Salaried applicant | Bank statements | Salary proof | Tax document |
|---|---|---|---|
| HDFC Bank | Last 3 months (or 6-month passbook) | 2 latest salary slips or a current salary certificate | Latest Form 16 |
| ICICI Bank | Last 3 months, showing salary credits | 1 month's salary slip | Not listed |
| FundsForSure | Last 3 months | Last 3 months' salary slips | Latest Form 16 or ITR |
Tips so your documents aren't sent back
- No passwords: lenders can't open password-protected statements. Remove the password first (see the FAQ below).
- Every page, every month: upload complete statements and three consecutive months of salary slips.
- Readable photos: the whole document in frame, in good light, not blurred. PDF, JPG or PNG, up to 10 MB each.
- Matching names: the name on your salary slips and bank statements should match your PAN card.
Not sure which documents apply to you? Start your application. After a 2-minute form, we email you the exact list for your profile, and your dashboard shows what is still missing. Also see personal loan eligibility.
Frequently asked questions
Are PAN and Aadhaar mandatory for a personal loan?
Yes, in practice. ICICI Bank, for example, states that Aadhaar and PAN details are mandatory for applicants and co-applicants. FundsForSure asks for both, plus your PAN number for the credit check.
How many months of bank statements do I need?
Salaried applicants need the last 3 months of statements for every active account, showing your salary credits. Self-employed applicants need the last 6 months. Upload them without a password.
Can I get a personal loan without salary slips?
Some lenders accept a salary certificate instead (HDFC Bank lists it as an option). FundsForSure asks salaried applicants for their last 3 months of salary slips, with no substitute, so that one set of documents is accepted by every lender we send your application to.
My bank statement PDF has a password. What should I do?
Open it with its password, choose Print, then Save as PDF, and upload the new file; it saves without the password. Or download the statement again from your bank's app without a password. Our upload page rejects password-protected files because lenders cannot open them.
Can I upload photos taken on my phone?
Yes. JPG and PNG photos are accepted, as well as PDFs, up to 10 MB per file. Photograph the whole page in good light; our upload page rejects photos that are too dark, blurry or small to read.
What do self-employed applicants need?
Your latest ITR, 6 months of bank statements, proof of your office or shop address, and proof that your business or practice has been running for 2 to 3 years, such as Udyam or GST registration or a professional registration certificate.