IDFC First Bank Personal Loan Documents Required

Documents Required for Availing IDFC First Bank Personal Loan

IDFC First Bank offers personal loan to salaried and self-employed individuals. The important documents required to avail IDFC First bank Personal Loan are mentioned below:

Identity Proof:

Any one official valid document-

• Valid passport with expiry date, photograph, signature
• Voter ID issued by Election Commission
• Aadhaar Card issued by UIDAI
• Job card issued by NREGA and signed by a State Government officer
• Driving License issued by Regional Transport Authority
• National Population Register with name and address

Address Proof:

Any one of the following documents-

• Recent bank statement
• Registered sales deed along with latest utility bill in the owner’s name
• Latest passbook of Scheduled Commercial Bank
• Latest utility bill (electricity bill, telephone bill, water bill, piped or cylinder gas, post-paid mobile bill) that should not be more than 2 months old from the date of CPA login
• Rent agreement along with latest utility bill in the name of the owner
• Property or Municipal Tax Receipt
• Letter of allotment of accommodation from the employer issued by State or Central Government Departments, PSUs, regulatory or statutory bodies, financial institutions and listed companies and leave and license agreements with such employers allotting official accommodation.

Specific Documents for Salaried Individuals

Banking and Income Proof-

• Bank statement for last 3 months
• Salary slip for last 3 months

Balance Transfer-

• Letter of loan foreclosure
• Account statement
• Repayment schedule
• SOA/FCL is required where the proposed balance transfer loan is not reflecting in bureau and RTR cannot be ascertained

Ownership Proof-

• Sales deed along with latest utility bill in the owner’s name (water tax bill, electricity bill, property tax bill, maintenance bill)

Specific Documents for Self-employed Individuals

Banking and Income Proof-

• Bank statement for last 3 months

Ownership Proof-

• Sales deed with utility bill in the name of the owner
• Maintenance bill
• Water tax bill
• Property tax bill
• Electricity bill

Business Proof-

• Municipal tax bill
• Shop and establishment certificate (Gumasta)
• Gram Panchayat Certificate filed at least 6 months before CPA login
• GST certificate
• Income Tax Returns with income computation of past 2 years with at least 6 months gap between 2 ITR filings dates
• Utility bill in the name of the persona concerned
• Udyog Aadhaar and FSSAI license filed at least 6 months before the date of CPA login
• SSI certificate issued by Government of India minimum 6 months before CPA login date

Balance Transfer-

• SOA/FCL required where the proposed balance transfer loan is not reflecting in bureau and RTR cannot be ascertained
• Repayment schedule
• Statement of account
• Letter of loan foreclosure

Documents required for Availing IDFC Instant Personal Loan through Digital Process

• Valid KYC
• Details of net banking or debit card to set up E-mandate
• Bank statement for last 3 months