Salaried Document Readiness Guide
Having the required documents ready can help reduce application delays and improve your chances of a smooth review.
Salaried Loan Document Readiness Vault
Check off documents you currently have to verify your application approval readiness.
Readiness Score3/6 Ready
PAN Card / Aadhaar Card
MandatoryPrimary identity and address verification document for instant e-KYC.
Ensure mobile number is linked to Aadhaar for instant OTP verification.
1 to 3 Months Salary Slips (Current Employer)
MandatoryLatest salary slip(s) showing net in-hand salary and PF deductions.
If you have only 1 slip, lenders like Fibe & KreditBee accept it alongside your offer letter.
3 to 6 Months Bank Statement (Original Netbanking PDF)
MandatoryBank statement showing salary credits from previous & current employer.
Download original netbanking PDF statement; scanned images or screenshots get rejected.
Offer Letter & Appointment Email (New Company)
TransitionConfirms your designation, CTC breakdown, probation status, and joining date.
Critical if on probation or if less than 3 months completed in new company.
Relieving Letter / Resignation Acceptance (Previous Company)
TransitionProves clean transition from previous employer without dual employment.
Required by Tier-A NBFCs and banks like Tata Capital.
Form 16 / Previous Year ITR
OptionalTax filing copy for higher loan amounts (> ₹3 Lakhs).
Helps unlock lower interest rates if requesting loan above 5x monthly salary.
Bank Statement PDF Password Cheat Sheet (Top Indian Banks):
HDFC Bank:Customer ID (e.g., 12345678)
ICICI Bank:First 4 letters of name (lowercase) + DDMM of birth (e.g., mant0908)
SBI (State Bank of India):5 digits Account Number + DDMM of birth
Axis Bank:First 4 letters of name (UPPERCASE) + DDMM of birth
Kotak Mahindra Bank:CRN Number (found on Debit Card / Netbanking)
Original netbanking PDF statements are commonly required during digital loan applications to verify salary credits.
Check Eligibility with Ready Documents