EWG
Authored & Fact-Checked by: Senior Underwriting & Compliance Desk
Earth Wealth Group | Master Regulatory Benchmark for RBI-Regulated Lending Partners
Salaried Applicants
Documents for Salaried Employees
- Identity Proof: PAN Card (mandatory) + Aadhaar Card.
- Address Proof: Aadhaar Card, Passport, Voter ID, or Utility bill.
- Income Proof: Last 3 months official salary slips with gross/net breakdown.
- Bank Statements: Last 6 months bank statement showing monthly salary credits.
- Employment Verification: Employee ID card or official corporate email verification.
- Tax Documents: Latest Form 16 (Part A & B) for loans above ₹10 Lakhs.
Self-Employed / Business
Documents for Business & Professionals
- Identity & Residence: PAN Card, Aadhaar Card, Passport.
- Business Vintage Proof: GST Registration, Shop & Establishment Certificate, or Udyam Aadhaar.
- Income Tax Returns: ITR of past 2 financial years with computation of income.
- Financial Statements: Audited Balance Sheet & Profit & Loss statement (CA certified).
- Banking Records: Last 12 months current account bank statement.
⚠️ 4 Common Document Mistakes That Delay Loan Disbursal
- Salary in Cash: Banks do not accept cash deposits as salary income; direct digital bank credit is mandatory.
- Password-Protected PDFs: Ensure bank statement PDFs are either submitted without passwords or password is provided.
- Name Mismatch: Name on PAN card must match the spelling on Aadhaar card and salary slip.
- Unclear Mobile e-KYC: Keep your mobile number active that is linked to your Aadhaar card for instant OTP validation.