List of the activities to be carried out by Agencies I.

Identity verification (Including ID proof & Address

proof Documents) a) PAN Card  PAN Card verification with photo, signature, address and mobile
number from issuing authority  Dual PAN Card check  Retrieval of ITR / Financials copy from IT office. 
Retrieval of Link Bank account details. b) Aadhar Card verification with name & other details. c) Driving
License / Voter ID d) Any other KYC Documents. II. Residence Address verification a) Residential
Address verification by actual visit to the applicant’s residence  GPS (Longitude / Latitude)/ Geo
Location  Locality of residence (High / Upper Middle class/ Middle/Trouble area/Village area/Slum 
Landmark  Residence Status - Own / Rented /Owned by Company  Name of society Board  Area of
Residence High Income [ ] Low Income [ ] Middle Income [ ]  Type of residence (House
/Apartment /Flat/ Other Specify)  Residence Accessibility  No. of stories  LIFT access (Yes /No) 
External Appearance of House /Building  Internal appearance of the house  Does the applicant / co
applicant stays in the Residence & duration of stay  No of Person staying with applicant  Address
document verified with confirmation of address  Photograph with the Borrower at his residence with
the Verifier taken within the house, external photograph of the residence taken with the borrower,
Photograph of Society Name /Board and Name Plate etc.  Remarks & Comments of verifier b) Third
Party confirmation of residence Address III. Employment / Business Details verification Salaried a)
Retrieval of employment details like joining date with company name and address, salary account
number with IFSC code, mobile number, Pan Card number & last four digits of Aadhar card number from
PF office and employer office. b) Nature of employment (Confirmed / Permanent
/Temporary/Contractual /Under probation / Trainee etc. 10 | Page RFP –Empanelment of Due
Diligence Agency c) Office /employer Address verification by actual visit to the applicant’s office  GPS
(Longitude / Latitude)/ Geo Location  Locality of address (High / Upper Middle class/ Middle/Trouble
area/Village area/Slum  Landmark  Constitution of Employer: -Private / Public/Govt./Semi Govt. 
Staff / Employee Code No. if any  Entry allowed in Office (yes /No)  Official Email and Contact No. 
Email confirmation from HRM department  Number of years of service completed.  Remarks /
Comments d) Third Party / Coworker confirmation  Name & Designation of the Official Met 
Comments e) Photograph with the Borrower at his office with the Verifier, Photograph with the
colleague /coworker at his office with the Verifier external photograph of the office taken with the
borrower, Photograph of company Name /Board and Name Plate etc. Non Salaried a) Registered office
Address verification by actual visit to the applicant’s office  GPS (Longitude / Latitude)/ Geo Location 
Locality of address (High / Upper Middle class/ Middle/Trouble area/Village area/Slum  Landmark 
Constitution: -Private / Public/Govt./Semi Govt.  No. of staff working  Type of activity / Business 
Number of years of Business  Residence Status - Own / Rented /Owned by Company  Details of
machinery / equipment /stocks  Remarks / Comments b) Third Party / neighbor confirmation  Name
& Designation of the Official Met  Comments c) Photograph with the Borrower at his office with the
Verifier, external photograph of the office taken with the borrower, Photograph of company Name
/Board and Name Plate etc. d) Verification of all types of GST details & GST returns with GST site e)
Verification of Electricity Bills, property Tax receipts, Municipals Tax receipts etc. IV. Income Verification.
a) Salary Slip  Whether salary slip/certificate is genuine?  Whether net salary credited to Bank a/c is as
shown in salary slip/certificate  Existing Bank & Branch  Date of Joining 11 | Page RFP –Empanelment
of Due Diligence Agency  Employer address  Total Income as per salary slip  Salary Bank name &
Account Number  PF amount verification with PF statement  Verification Employer Name, Employer
TAN number & Employer PAN number  Verification of Income Tax amount / Tax Deductions b) Form 16
 Name and Address of Employer with Form 16  Whether FORM 16 is issued by the Employer? 
Whether Tax paid challan and or 26 AS files matched  Verification of Assessment year  Verification of
Employer Name, Employer TAN number & Employer PAN number  Verification of Total Income 
Verification of Income Tax amount c) ITR  whether ITR is genuine?  Date of filing IT Returns  Total
Income & Tax Amt as per Income Tax site.  Taxable Income Category  Retrieval of Financials /Form 26
as/ TDS PDF from IT office with all supporting pages  Veracity of P&L, Balance Sheet and other related
documents. d) Bank Statement  Status of Bank Account  Account opening Confirm & Account opening
Date  PAN Number as per Bank record  Verification of minimum three transaction & latest balance as
per statement. Matching with salary Credit Transaction confirmation Transaction 1 Amount & Date
Transaction 2 Amount & Date Transaction 3 Amount & Date  Chq Bounce / ECS return / Other
information, if any  Adverse aspects, if any, observed therein.  Transaction analysis  Bank statement
review inline with Business Income V. Builder / Seller / Dealer verification a) Builder- Background,
reputation/Standing/duration in the business, projects completed, project ongoing etc. b) Proposed
property Owner / Seller Identity & Address verification. - Pan Card verification with photo, signature,
address and mobile number from issuing authority & Aadhar Card verification with name, photo, address
and mobile number from issuing authority. c) Agency shall verify and confirm Builder /Seller Account
Details. d) Proposed Property Verification with Builder & Society verification. (Pre Asset verification) 
Details person met in Builder site office / Society office.  Nearest landmark of property 12 | Page RFP
–Empanelment of Due Diligence Agency  Confirmation of Booking from Builder office / Society office
(NOC document of society)  Details of property seen. (construction status /locality /road access /No. of
floor etc)  In case of re sale - Occupancy (rented /self-occupied) e) Car Dealer verification with
Quotation & account details of dealer.