Documents Required for Axis Bank Home Loan

• • Complete and sign Axis Bank’s home loan application form.
• • Recent passport-sized photographs of the applicant and co-applicants (usually 2-4 copies).

• • PAN Card (mandatory for tax purposes)
• • Aadhaar Card
• • Passport
• • Voter ID Card
• • Driving License

• • Aadhaar Card
• • Passport
• • Voter ID Card
• • Driving License
• • Utility Bills (Electricity, Telephone, Water bill) not older than 3 months
• • Registered Rent or Lease Agreement (if applicable)

• • PAN Card
• • Passport
• • Birth Certificate
• • School Leaving Certificate or 10th Class Marksheet

Salaried Individuals:

• • Last 3 months’ salary slips
• • Form 16 for the last 2 years showing tax deducted at source
• • Income Tax Returns (ITRs) filed for the last 2 years
• • Bank statements for the last 6 months reflecting salary credits
• • Appointment or employment letter (especially if recently joined current employer)

Self-Employed Professionals and Business Owners:

• • Income Tax Returns (ITRs) for the last 2-3 years duly acknowledged by the Income Tax Department
• • Audited Profit & Loss Statement and Balance Sheet for the last 2-3 years certified by a Chartered Accountant
• • Bank statements of both business and personal accounts for at least the last 6 months
• • Business registration certificates such as GST, trade license, or company registration documents
• • Partnership deed or Memorandum of Association and Articles of Association if applicable

For New or Under-Construction Properties:

• • Allotment letter or agreement to sell provided by the builder
• • Receipts and proof of payments made to the builder or developer
• • Approved building plan and layout sanctioned by the municipal authority
• • Occupancy Certificate (OC) or completion certificate for ready-to-move-in properties
• • No Objection Certificate (NOC) from the builder or housing society
• • Encumbrance certificate ensuring the property is free from legal dues
• • Property tax receipts

For Resale Properties:

• • Registered sale deed or agreement to sell
• • Chain of previous ownership and title deeds
• • No Objection Certificate (NOC) from the property owners’ association
• • Payment receipt and property tax receipts
• • Proof of maintenance fee payment wherever applicable

• • Cancelled cheque for bank account details to facilitate EMI deductions
• • Processing fee cheque payable to "Axis Bank Ltd."
• • Statements of loans currently being serviced by the borrower
• • For NRIs: valid passport, visa documents, overseas address proof, employment contract or work permit, and recent bank statements
• • Power of Attorney document, if loan is applied by a representative or legal heir