Loan application rejections in India often happen due to missing or mismatched documents.
Whether you’re applying for a personal loan, education loan, or even a home loan, the paperwork can vary.
This guide from Vizzve Finance breaks down the exact documents you need for each major loan type in India, updated for 2025.
Documents Required by Loan Type – Quick Comparison
| Loan Type | ID Proof | Address Proof | Income Proof | Others |
|---|---|---|---|---|
| Personal Loan | PAN Card, Aadhaar | Utility Bill, Rent Agg | Salary Slip (3M), Bank Statement (6M) | Passport-size Photo |
| Home Loan | PAN, Aadhaar | Property Docs, EB Bill | Salary Slip/ITR (2Y), Form 16 | Property Valuation, Sale Deed |
| Education Loan | Aadhaar, Passport | Parent’s Proof | Admission Letter, Fee Structure | Co-borrower Docs, Marksheets |
| Vehicle Loan | Aadhaar, PAN | Driving License copy | Salary Slip (3M), Bank Statement (6M) | RC (if used car), Quotation |
| Gold Loan | Aadhaar, Voter ID | Local Address Proof | Not always needed (depends on lender) | Gold evaluation at branch |
| Business Loan | PAN (Owner & Biz) | Office Address | ITR (2–3Y), GST Filings, Bank Stmt | Business Reg., MSME Cert |
| Loan Against Property | PAN, Aadhaar | Property Docs | Salary/Business ITRs (2Y), Form 16 | Title Deed, Encumbrance Cert. |
Important Notes:
✅ PAN Card is mandatory for all loan types
✅ Always keep originals + photocopies
✅ Digital KYC via Vizzve now speeds up processing
🛡️ Some lenders may ask for additional docs depending on profile
Why Vizzve Makes Loan Applications Easier
📲 100% digital application process
⚡ Instant approval for pre-verified users
🔍 Vizzve checks document completeness to avoid rejections
🧾 Smart document scan via app upload
💼 Supports loans for salaried, self-employed, freelancers
FAQs –
Q1. What happens if I don’t have income proof?
You can still apply via Vizzve for select lenders that allow loans on alternate credit checks or collateral.
Q2. Can I use Aadhaar alone for both ID and address?
Yes, if it matches current address and is e-verified.
Q3. Do I need guarantors?
Only for education loans or high-risk business loans.
Q4. Is e-KYC valid for loan approvals?
Yes! Vizzve-enabled lenders accept eKYC via Aadhaar OTP for faster processing.
Pro Tip from Vizzve
Before uploading any document, make sure it is:
✅ Clear and not cropped
✅ In PDF/JPG format (under 5MB)
✅ Name matches PAN/Aadhaar exactly
Published on : 22nd July
Published by : SMITA
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