CHECKLIST – HOME LOAN/PLOT LOAN

S.No. Description Tick / NA

1 Cover Letter Attached as per format – Original
2 Application Duly Filled (All Columns) – Photocopy
3 CIBIL Report – Original (for all Applicants & Guarantors)
4 Asset & Liability and Credit Report (For all Applicants & Guarantors) – Photocopy
Note: Details of All Loans reflecting in CIBIL should reflect in Asset & Liability Also
5 KYC of Applicants & Guarantor (Duly Signed by Owner of KYC & Stamped by Branch Official with
Verified with original Seal) – Photocopy
6 Visit Report(s) --
a) Residence Verification – Photocopy
b) Employment Verification – Separately for all Applicants – Photocopy
c) EM Property Visit Report – Photocopy
7 Financials --
Note: For Business Class ITR with Computation & Balance Sheet is compulsory. For Salaried Class
ITR with Computation or Form – 16 is compulsory along-with Salary Slips
a) 3 Year ITR with Computation Sheet & Balance Sheet (Duly Signed by Applicant/Co-
Applicant & Counter Stamped and Signed by Branch Official) – Photocopy
b) 3 Year Form – 16 (duly Signed by Applicant & Counter Stamped and Signed by Branch
Official, Branch to take care that Form – 16 Reference number should not be “null”) –
Photocopy
c) 6 Months Salary Slip (Latest) – Photocopy (Duly Signed by Applicant/Co-Applicant &
Counter Stamped and Signed by Branch Official)
8 Statement of Bank Account(s) (Not Applicable if A/cs maintained with Indian Bank) - Note: Duly --
Signed by Applicant(s) & Counter Stamped and Signed by Branch Official.
a) For Business Class – Last 12 Month Statement of CA/OD/OCC Account - Photocopy
b) For Salaried Class – Last 12 month Statement of Account where salary is being credited –
Photocopy
9 EVR (From Panel Engineer) – Original
Estimate of Construction to be duly Certified by Panel Engineer
Note: Please obtain EVR in 2 Original Copies 1 for Branch & 1 For RAPC
9A Copy of Building Plan Approval & Land Approval
10 LSR (From Panel Advocate) – Original
Note: Please obtain LSR in 2 Original Copies 1 for Branch & 1 For RAPC
11 Back Paper of Property Related Documents as Listed in LSR - Photocopy
Note: All Pages of the documents should be stamped with round seal of branch with initial of the
Branch Official, to be numbered and arranged as in order listed in LSR.
12 Latest Tax Paid Receipt (In Case of Existing Building)
13 Lead Generated in LAPS
14 Geo Tagging Completed
15 Lead Forwarded to RAPC
16 All Documents Submitted above are duly signed & stamped by Branch official

Branch Manager
 SUB-CHECKLIST FOR HL TAKEOVER
(To be Sent Along-with Cover letter)

S.No. Description Tick/NA

1. The Subject Account Should have not slipped to SMA in Last 12 months
2 Statement of Loan Account of Last 12 Months to be obtained
3 Current O/s Balance certificate from erstwhile Bank
4 List of Documents held as on date certificate from Erstwhile Bank
5 The Existing House Building is complete and not under construction
6 All Documents 1-5 are signed by Applicants & Counter Signed with Seal
by Branch Official

Branch Manager

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SUB-CHECKLIST FOR HL Plus

(To be Sent Along-with Cover letter)

S.No. Description Tick/NA

1. Copy of Earlier Sanction Tickets
2 Copy of Insurance
3 Copy of EM & MOTD
4 Genuineness Certificate from Panel Advocate
5 Fresh EVR if Parent EVR is more than 3 Year Old
6 Latest Property Tax Receipt

CERSAI Details AID: SID:

Last RBIA Compliance RBIA Comments Branch Reply

Compliance of T&C of Previous ST It is Certified that all T & C of Previous Sanction Ticket
No……………………………… dtd ……………….……….. has been complied with. There
is no Inspection Irregularity Pending in the Existing Facilities.

Branch Manager
 ADDITIONAL CHECKLIST – HOME LOAN – NRI/PIO/SEAMAN
(PLEASE ADD AS ANNEXURE TO MAIN CHECK LIST)

S.No. Description Tick/NA

1. Passport copy with page containing visa stamping (Attested by
Embassy/Notary Public of that country)
2 Copy of address proof mentioning the current overseas address such as
Utility Bill, Driving Licence, ID Card, Labour Card, Social Card etc. issued by
the authorities in that country or latest Bank Statement showing overseas
address (Attested by Embassy/Notary Public of that Country)
3 Copy of work permit. (Attested by Embassy/Notary Public of that country)
4 Employment contract copy (an English translation duly attested by
employer/consulate/embassy/our foreign branches , if it is in any other
language) (Attested by Embassy/Notary Public of that country)
5 Latest salary certificate / slip in original and Copy of identity card issued by
the employer (Attested by Embassy/Notary Public of that country)
6 Details of previous employment. (Please Add the same as Annexure to Cover
Letter)
7 Brief write up about employment profile for the last 3 years
(Please Add the same as Annexure to Cover Letter)
8 Brief write up about the company / institution where employed i.e.
constitution, activity, employee base, net profit etc. (Please Add the same as
Annexure to Cover Letter)
9 Statement of overseas Bank account for the last six months which reflect
salary credit , savings etc (Attested by Embassy/Notary Public of that country)
10 Proof of income in case of self employed professionals/businessmen
(Attested by Embassy/Notary Public of that country)
11 General Irrevocable Power of Attorney (PoA) including the power to create
Mortgage, if applicable, duly stamped and notarized / attested by Indian
Embassy / consulate and adjudicated in India. (PoA format Annexed with Cir
Adv-155/2016-17 dt.25/10/16)
Additional Documents for PIO
12 A photocopy of the PIO card or any of the under noted documents (Attested
by Embassy/Notary Public of that country)
13 Current Passport indicating place of birth in India (Attested by
Embassy/Notary Public of that country)
14 Indian Passport if held earlier
15 Parents’ or grandparents’ passport with details therein substantiating his
claim of being a PIO (Attested by Embassy/Notary Public of that country)
Additional Document for Seaman (Merchant Navy)
16 Production of Original Continuous Discharge Certificate (CDC) -cum-
Seafarer’s Identity Document for verification – In respect of any voyage
undertaken by the seaman till date, the name of the Vessel will appear as an
endorsement in the CDC.
17 Production of Form I – downloaded from Directorate General of Shipping,
Government of India
18 Production of Original Indian Passport for verification – Visa entries of the
country of destination should be verified
19 Submission of PDF statement (hard copy and soft copy) downloaded from
Net Banking site of the concerned Bank – for verification of salary credits
20 Confirmation from the Shipping company (by way of mail from company’s
official mail id) with regard to Employment, Salary particulars, Contract
period, Residual contract period, Bank account details of the applicant, etc

Branch Manager