Documents Required for Personal Loan

KYC, income and bank-statement checklist for salaried and self-employed applicants.

Updated 27 September 2026 · 8 lenders tracked

Lowest personal loan rate

9.99%

Axis Bank Personal Loan

What you need to know

Pre-approved and digital loans for existing customers may need only PAN and e-KYC, because the bank already sees your salary credits. New-to-bank applicants need identity, address and income proof.

Salaried

PAN card (mandatory)
Aadhaar or other officially valid document for identity and address
Last 3 months’ salary slips
Last 3 – 6 months’ salary-account bank statement
Form 16 or latest ITR
Employee ID / appointment letter if asked

Self-employed

PAN and KYC of the individual (and of the firm, if applicable)
Last 2 – 3 years’ ITR with computation of income
Audited balance sheet and P&L where applicable
6 – 12 months’ bank statements
Business proof: GST registration, Udyam certificate, shop and establishment licence or professional registration

How documents are verified today

Aadhaar-based e-KYC or video KYC instead of physical copies
Bank statements fetched with your consent through the Account Aggregator framework
e-sign of the loan agreement and KFS

Frequently asked questions

Is a salary slip mandatory?

Most lenders want it for new customers. Your salary bank can often use account credits instead.

For information and comparison only. Loan terms, rates and rules change — confirm with the lender and read the Key Facts Statement before borrowing.