{
 "sources": {
  "sbi": {
   "url": "https://homeloans.sbi.bank.in/products/view/regular-home-loan",
   "checked": "2026-10-27",
   "read": true,
   "nri_url": "https://homeloans.sbi.bank.in/products/view/nri-home-loan",
   "nri_read": true
  },
  "hdfc": {
   "url": "https://homeloans.hdfc.bank.in/checklist/documents-charges",
   "checked": "2026-10-27",
   "read": true,
   "notes": "Salaried, KYC and property lists readable; self-employed professional/non-professional checkmark columns did not render on one fetch, but a second fetch of homeloans.hdfc.bank.in/housing-loans/home-loans showed the self-employed list. NRI page (homeloans.hdfc.bank.in/nri-loans) has no document list."
  },
  "icici": {
   "url": "https://www.icici.bank.in/personal-banking/loans/home-loan/documents-required",
   "checked": "2026-10-27",
   "read": true,
   "nri_url": "https://www.icici.bank.in/nri-banking/loans/home-loan/home-loans-faqs",
   "nri_read": true
  },
  "bob": {
   "url": "https://bankofbaroda.bank.in/banking-mantra/loans-borrowings/articles/documents-required-for-home-loan",
   "checked": "2026-10-27",
   "read": true,
   "notes": "Bank's own 'Banking Mantra' article on its official domain, not a product checklist. No NRI list."
  },
  "pnb": {
   "url": "https://pnb.bank.in/checklist.html",
   "checked": "2026-10-27",
   "read": true,
   "notes": "Housing loan checklist; no NRI section."
  },
  "axis": {
   "url": "https://www.axis.bank.in/loans/home-loan/eligibility-documentations",
   "checked": "2026-10-27",
   "read": false,
   "notes": "Body (document list) did not load — script-rendered. Also tried shubh-aarambh documents page: same."
  },
  "lichfl": {
   "url": "https://www.lichousing.com/housing-loan/home-loan",
   "checked": "2026-10-27",
   "read": false,
   "notes": "Document sections show headings only ('Loading...'). NRI page not read."
  }
 },
 "items": [
  {
   "id": "application_form",
   "group": "other",
   "label": "Filled and signed loan application form with passport-size photographs",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "BoB: 2 passport-size photographs, one attested on the form."
  },
  {
   "id": "pan",
   "group": "kyc",
   "label": "PAN card (or Form 60 if you have no PAN)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob"
   ],
   "notes": "HDFC and ICICI: PAN mandatory, or Form 60. SBI: PAN as identity proof; for KYC-compliant SBI savings accounts only if not already on record. ICICI NRI: OCI without PAN may give Form 60."
  },
  {
   "id": "id_proof",
   "group": "kyc",
   "label": "Proof of identity (one of: passport, driving licence, voter ID, Aadhaar, NREGA job card, NPR letter)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "HDFC lists Officially Valid Documents incl. NREGA job card and NPR letter; Aadhaar 'to be obtained voluntarily'. SBI: no fresh KYC needed for KYC-compliant SBI savings accounts."
  },
  {
   "id": "address_proof",
   "group": "kyc",
   "label": "Proof of address (Aadhaar, passport, driving licence, or a recent utility bill)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "SBI: recent telephone/electricity/water/piped gas bill or passport/DL/Aadhaar. BoB also accepts bank passbook."
  },
  {
   "id": "age_proof",
   "group": "kyc",
   "label": "Proof of age / date of birth",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "ICICI: not required if PAN submitted. BoB: PAN, Aadhaar, passport, DL or birth certificate."
  },
  {
   "id": "name_change",
   "group": "kyc",
   "label": "Marriage certificate or Gazette notification, if your name changed",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "hdfc"
   ],
   "notes": ""
  },
  {
   "id": "qualification",
   "group": "other",
   "label": "Proof of educational qualification",
   "profiles": [
    "salaried",
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "pnb"
   ],
   "notes": ""
  },
  {
   "id": "salary_slips",
   "group": "income",
   "label": "Salary slips or salary certificate",
   "profiles": [
    "salaried"
   ],
   "detail": "last 1 to 6 months",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "SBI: last 3 months. HDFC: last 3 months. ICICI: latest 1 month (or appointment letter). BoB: last 3-6 months. PNB: latest salary certificate showing gross and net pay."
  },
  {
   "id": "form16_itr_salaried",
   "group": "income",
   "label": "Form 16 and/or income tax returns",
   "profiles": [
    "salaried"
   ],
   "detail": "latest to last 3 years",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "SBI: Form 16 for last 2 years or ITR for last 2 financial years. HDFC: latest Form 16 and IT returns. ICICI: latest Form 16. BoB: Form 16 and ITR of last 3 years. PNB: ITR or Form 16 for last 2 years."
  },
  {
   "id": "bank_statement_salary",
   "group": "income",
   "label": "Bank statements showing salary credits",
   "profiles": [
    "salaried"
   ],
   "detail": "last 3 to 12 months",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "SBI: last 6 months, all accounts. HDFC: last 6 months. ICICI: last 6 months on the documents page / last 3 months on the buyers-guide page (not needed for ICICI account holders). PNB: last 6/12 months as applicable. BoB: period not stated."
  },
  {
   "id": "employer_letter",
   "group": "income",
   "label": "Employment letter / appointment letter / employment contract",
   "profiles": [
    "salaried"
   ],
   "detail": "",
   "banks": [
    "hdfc",
    "icici",
    "bob"
   ],
   "notes": "HDFC: if current employment is less than a year old. ICICI: appointment letter if no salary slip. BoB: employer letter certifying status and duration."
  },
  {
   "id": "other_income",
   "group": "income",
   "label": "Proof of other income and investments, if any",
   "profiles": [
    "salaried",
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "icici",
    "bob"
   ],
   "notes": "BoB: investment proofs (shares, fixed deposits)."
  },
  {
   "id": "coapplicant_income",
   "group": "income",
   "label": "Income proof of spouse, earning children or parents, if their income is counted",
   "profiles": [
    "salaried",
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "pnb"
   ],
   "notes": ""
  },
  {
   "id": "existing_loans",
   "group": "other",
   "label": "Statement of existing loans",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "last 6 to 12 months",
   "banks": [
    "sbi",
    "hdfc"
   ],
   "notes": "SBI: loan account statement for last 1 year. HDFC: last 6 months' statements showing repayment of ongoing loans."
  },
  {
   "id": "own_contribution",
   "group": "other",
   "label": "Proof of your own contribution (down payment)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "hdfc"
   ],
   "notes": ""
  },
  {
   "id": "processing_fee_cheque",
   "group": "other",
   "label": "Cheque for the processing fee",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "hdfc",
    "icici"
   ],
   "notes": ""
  },
  {
   "id": "business_address",
   "group": "business",
   "label": "Proof of business / office address",
   "profiles": [
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "icici",
    "bob"
   ],
   "notes": "ICICI: GST certificate, utility bill or ITR."
  },
  {
   "id": "itr_self",
   "group": "business",
   "label": "Income tax returns with computation of income",
   "profiles": [
    "self_employed"
   ],
   "detail": "last 2 to 3 years",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "SBI: last 3 years. HDFC: at least last 2 assessment years, CA-attested, individual and business. ICICI: 2 years (documents page) / 3 years (buyers guide). BoB: last 3 years. PNB: last 2 years."
  },
  {
   "id": "financials",
   "group": "business",
   "label": "Balance sheet and profit & loss account, audited or CA-certified",
   "profiles": [
    "self_employed"
   ],
   "detail": "last 2 to 3 years",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "SBI: last 3 years. HDFC: at least last 2 years with annexures. ICICI: 2-3 years. PNB: last 2 years. BoB: period not stated."
  },
  {
   "id": "bank_statement_business",
   "group": "business",
   "label": "Bank statements of business current account and personal savings account",
   "profiles": [
    "self_employed"
   ],
   "detail": "last 6 to 12 months",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "SBI: last 6 months. HDFC: last 12 months. ICICI: last 6 months. PNB: last 6/12 months. BoB: period not stated."
  },
  {
   "id": "gst_returns",
   "group": "business",
   "label": "GST returns",
   "profiles": [
    "self_employed"
   ],
   "detail": "last 12 months, if applicable",
   "banks": [
    "icici"
   ],
   "notes": ""
  },
  {
   "id": "business_licence",
   "group": "business",
   "label": "Business licence / registration (shop and establishment, Udyam, etc.)",
   "profiles": [
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "icici",
    "bob"
   ],
   "notes": "ICICI: Udyam registration certificate for MSME. BoB: registration certificate for shops, factories, clinics, offices."
  },
  {
   "id": "professional_qualification",
   "group": "business",
   "label": "Professional qualification certificate (CA, doctor, other professionals)",
   "profiles": [
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "icici",
    "bob"
   ],
   "notes": ""
  },
  {
   "id": "tds_certificate",
   "group": "business",
   "label": "TDS certificate (Form 16A), if applicable",
   "profiles": [
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "sbi"
   ],
   "notes": ""
  },
  {
   "id": "form26as",
   "group": "business",
   "label": "Latest Form 26AS",
   "profiles": [
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "hdfc"
   ],
   "notes": ""
  },
  {
   "id": "business_profile",
   "group": "business",
   "label": "Business profile",
   "profiles": [
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "hdfc",
    "icici"
   ],
   "notes": ""
  },
  {
   "id": "company_docs",
   "group": "business",
   "label": "Partnership deed, or MoA/AoA and CA-certified list of directors and shareholders",
   "profiles": [
    "self_employed"
   ],
   "detail": "",
   "banks": [
    "hdfc"
   ],
   "notes": ""
  },
  {
   "id": "passport_visa",
   "group": "nri",
   "label": "Valid passport and residence visa / work permit",
   "profiles": [
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "icici"
   ],
   "notes": "ICICI: passport front and back; visa, work permit or permanent citizen card; OCI card or OCI declaration. SBI: valid work permit."
  },
  {
   "id": "employment_contract_nri",
   "group": "nri",
   "label": "Employment contract (English translation attested if in another language)",
   "profiles": [
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi"
   ],
   "notes": ""
  },
  {
   "id": "salary_slips_nri",
   "group": "nri",
   "label": "Overseas salary slips or salary certificate",
   "profiles": [
    "nri"
   ],
   "detail": "last 1 to 3 months",
   "banks": [
    "sbi",
    "icici"
   ],
   "notes": "SBI: last 3 months plus latest original and employer ID card copy. ICICI: last 1 month."
  },
  {
   "id": "overseas_bank_statement",
   "group": "nri",
   "label": "Overseas bank statement showing salary credits",
   "profiles": [
    "nri"
   ],
   "detail": "last 3 to 6 months",
   "banks": [
    "sbi",
    "icici"
   ],
   "notes": "SBI: last 6 months (plus any Indian account). ICICI: last 3 months."
  },
  {
   "id": "itr_nri",
   "group": "nri",
   "label": "Income tax return (where applicable)",
   "profiles": [
    "nri"
   ],
   "detail": "last 1 to 2 years",
   "banks": [
    "sbi"
   ],
   "notes": "SBI salaried NRI: last year's ITR; non-salaried: last 2 years. Not required for NRIs/PIOs in Middle East countries or Merchant Navy (SBI)."
  },
  {
   "id": "credit_report_nri",
   "group": "nri",
   "label": "Overseas credit report (some countries)",
   "profiles": [
    "nri"
   ],
   "detail": "",
   "banks": [
    "icici"
   ],
   "notes": "ICICI: for residents of specified countries incl. USA, UK, Canada, UAE."
  },
  {
   "id": "poa_nri",
   "group": "nri",
   "label": "Power of attorney (if you cannot come to India for disbursement)",
   "profiles": [
    "nri"
   ],
   "detail": "",
   "banks": [
    "icici"
   ],
   "notes": "ICICI format; signed by all NRI applicants before disbursement."
  },
  {
   "id": "prop_agreement",
   "group": "property",
   "label": "Allotment letter / agreement for sale / buyer agreement",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "hdfc",
    "bob",
    "pnb"
   ],
   "notes": "SBI: registered agreement for sale (Maharashtra only), allotment letter or stamped agreement for sale."
  },
  {
   "id": "prop_payment_receipts",
   "group": "property",
   "label": "Receipts or bank statements of payments made to the builder or seller",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "hdfc",
    "bob",
    "pnb"
   ],
   "notes": ""
  },
  {
   "id": "prop_title_chain",
   "group": "property",
   "label": "Title deeds with the previous chain of property documents (resale)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "ICICI FAQ names sale deed, title deed, approved plan 'etc.'. PNB: vendor's title proof."
  },
  {
   "id": "prop_approved_plan",
   "group": "property",
   "label": "Approved building plan",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "hdfc",
    "icici",
    "bob",
    "pnb"
   ],
   "notes": "SBI: approved plan copy with builder's registered development agreement and conveyance deed (new property)."
  },
  {
   "id": "prop_oc",
   "group": "property",
   "label": "Occupancy / completion certificate (ready-to-move property)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "bob",
    "pnb"
   ],
   "notes": "PNB: completion certificate if obtained."
  },
  {
   "id": "prop_noc",
   "group": "property",
   "label": "NOC from the society or builder; share certificate (where applicable)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "bob",
    "pnb"
   ],
   "notes": "SBI: share certificate (Maharashtra only)."
  },
  {
   "id": "prop_bills_tax",
   "group": "property",
   "label": "Maintenance bill, electricity bill and property tax receipt",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi",
    "bob"
   ],
   "notes": ""
  },
  {
   "id": "prop_encumbrance",
   "group": "property",
   "label": "Non-encumbrance certificate / proof of no encumbrance",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "hdfc",
    "pnb"
   ],
   "notes": ""
  },
  {
   "id": "prop_construction_estimate",
   "group": "property",
   "label": "Construction cost estimate by an architect or civil engineer (construction loans)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "hdfc",
    "bob",
    "pnb"
   ],
   "notes": ""
  },
  {
   "id": "prop_construction_permission",
   "group": "property",
   "label": "Permission for construction (where applicable)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "sbi"
   ],
   "notes": ""
  },
  {
   "id": "prop_leasehold",
   "group": "property",
   "label": "Lessor's mortgage permission / leasehold authority letter (leasehold property)",
   "profiles": [
    "salaried",
    "self_employed",
    "nri"
   ],
   "detail": "",
   "banks": [
    "pnb"
   ],
   "notes": ""
  }
 ],
 "checked": "2026-10-27",
 "_meta": {
  "description": "Home loan documents named on the official 'documents required' pages of Indian banks. Each item lists the banks that name it.",
  "maintainer": "indiaemi.com (Sri Murugan Systems)"
 }
}