Documents Required for a Personal Loan
A complete file is the fastest route to disbursal. Keep the documents below ready before you apply — for first-time-right (FTR) cases our partner lenders can move from login to disbursal within 24 hours. Exact requirements vary by lender.
Document Checklist for Salaried Applicants
Identity proof (KYC)
- • PAN card (mandatory)
- • Aadhaar card
- • Passport, Voter ID or Driving Licence (any one, if asked)
Address proof
- • Aadhaar with current address
- • Registered rent agreement for rented or shared accommodation
- • Utility bill (electricity, gas or postpaid) not older than 3 months
Income proof
- • Latest 3 months salary slips
- • Last 6 months salary bank statement (PDF or net-banking statement)
- • Form 16 or latest ITR, if the lender asks
Employment proof
- • Employee ID card or offer/appointment letter
- • Official email ID or HR contact for verification
- • PF/EPFO passbook or UAN details (important for new-to-credit cases)
Check the eligibility criteria, read the salaried personal loan policy and plan repayment with the EMI calculator.
Document FAQs
Which documents are mandatory for a personal loan?
PAN card, Aadhaar, the last 3 months salary slips and 6 months salary bank statement are needed in almost every case. Additional documents depend on the partner lender's policy.
Can I submit documents online?
Yes. You can share clear scans or photos over WhatsApp and complete the lender's digital KYC — no branch visit is usually required.
Do I need a rent agreement if I live with friends?
For single stay, bachelor or shared accommodation cases lenders generally ask for a rent agreement along with PF/EPFO verification and net take-home of ₹25,000 or more.
Is a guarantor or collateral required?
No. A personal loan is unsecured, so no collateral or guarantor is required. Approval depends on income, credit history and the lender's assessment.
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Share your documents securely
Send your documents on WhatsApp and our team will verify the file before it goes to the lender.