Identity Proof

• A valid PAN card is mandatory for all applicants.

• Aadhaar card is commonly accepted as a government ID.

• Passport, voter ID, or driving license are also valid options.

• The name on the document must match the application form.

• Photocopy or scanned copy may be required depending on channel.

Address Proof

• Aadhaar card or utility bill not older than 3 months is accepted.

• Rent agreement with registered details may be used.

• Passport or driving license with current address can be submitted.

• Some banks accept bank statements as address proof.

• Temporary address must be supported by employer or landlord letter.

Income Proof for Salaried Individuals

• Latest 1–3 months’ salary slips are typically required.

• Bank statements showing salary credit may also be accepted.

• Form 16 or latest ITR may be requested in some cases.

• Income documents help determine credit limit eligibility.

• Salaried applicants must also mention employer details.

Income Proof for Self-Employed Individuals

• Most recent Income Tax Return (ITR) is mandatory.

• Business registration certificate or license may be asked.

• Profit and loss statement or audited financials may be required.

• Bank statements showing business transactions support the claim.

• Additional GST registration or CA-certified documents may help.

Other Supporting Documents

• Recent passport-size photograph may be required.

• Filled and signed application form or digital consent.

• Credit score or report may be checked with authorization.

• For secured cards, a fixed deposit receipt is needed.

• Any additional documents as requested by the issuing bank.