Documents Required for Piramal Capital Housing and Finance Home Loan

Every home loan application to Piramal has to be submitted with a set of documents as per the requirement of the home loan plan. Identity proof, address proof documents, application form, income proof documents and documents that prove working status of the home loan applicant are required to be submitted.

Documents required for Piramal home loan for salaried applicants (all documents should be self-attested):

• Pay slips of the last 3 months
• Most recent copy of your Form 16 or Income Tax Returns
• Bonus letter to show proof of bonus/Performance Appraisal letter from current organization/

Documents required for Piramal home loan for self-employed applicants (all documents should be self-attested):

• Income Tax Returns for last 2 years with computation of income, Profit & Loss statement, Balance sheet, Schedules and auditors report (If applicable)
• Financials should be audited if mandatory as per regulations or if annual turnover is more than Rs. 2 crores. If not, the documents have to be certified by a CA
• GST Certificate
• GST returns
• Business license received under Shops & Establishment Act
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

For doctors, chartered accountants, architects, and other professionals –

• All the above-mentioned documents and proof of educational qualification has to be submitted.

Business address proof: If the current business address is different from the address proof given above, any one of the below mentioned documents should be submitted:

• Bank passbook/bank statement – It should contain transactions of the last 3 months and not be older than 40 days from the date of submission to PCHF for home loan.
• Legal rental agreement and any one utility bill under the name of landlord. Utility bills should be of the last two months from the date of submission for home loan application. 

Documents to be submitted by sole proprietor (any one):

• Registration certificate
• Business license received under Shop & Establishment Act
• GST Certificate
• GST returns
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

Full list of documents to be submitted by partners of a partnership firm

• PAN of the partnership firm
• Registration certificate if the business is registered
• Most recent Partnership Deed
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Full list of documents to be submitted by Company/LLP:

• PAN number of the company
• Certificate of incorporation
• Articles of Association and Memorandum of Association
• Power of attorney and Board of Directors’ resolution granted to its manager officers or employees to carry out the tasks on behalf of the company
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Documents required for a regular home loan for an apartment/plot of land/home loan balance transfer[RS1] [RS2] 

Listed below are the KYC Documents required by Piramal before processing your home loan:

Proof of Identity (any one):

Valid Passport/Aadhar Card/Permanent Account Number Card/Driver’s License/Voter’s Identity Card

Proof of Residence (any one):

Valid Passport/Voter’s Identity Card/Ration Card as issued by the Authorities/Driver’s License/Aadhar Card/Voter’s Identity Card

Current residence address proof (any one): – If permanent address is different from present address of the applicant, one of the below proofs should be submitted:

• Bills of the last two months – Electricity bill/piped gas connection/cooking gas cylinder bill & book/water bill/postpaid mobile bill
• Bank passbook or bank statement with current residential address – with transactions of the last 3 months. Transactions should be not older than 40 days from the date of submission of application
• Rental agreement and any one of the utility bills under the name of landlord. Utility bills should not be more than two months old
• Pension or family pension payment orders

Age Proof: (any one)

Valid Passport/Ration Card as issued by the Authorities/Driver’s License/Birth Certificate (issued by Government body)/ 10th Standard Certificate from School/Life insurance policy

Signature Proof 

In case PAN card with signature is not submitted, signature proof is mandatory for submission: Signature on registered sale deed/Banker’s signature verification/PF cheque clearance/ECS attestation on cheque

For non-financial co-applicant/guarantor – legal self-declaration affidavit

Relationship proof: (any one)

• If the document contains name of applicant’s parents – school leaving certificate (with percentage marks)
• Birth certificate
• Marriage certificate
• Notarized relationship affidavit
• Bank statement/bank passbook of a joint account that states the relationship of the applicants
• Ration Card as issued by the Authorities with the names and age of two or more home loan applicants

Proof of Employment:

For Salaried applicant: Employee appointment letter from the current company.

For Self-employed professional and Non-professional:

• Trade license certificate
• Shops and establishment certificate
• Value Added Tax (VAT)/Sales Tax/Goods and Services Tax (GST)
• Registration Certificate from Small Scale Industry Registration (SSI)
• Registration certificate
• Bachelor’s and Master’s Degree Certificate

Income proof documents required for salaried applicants (all documents should be self-attested):

• Pay slip of the last 3 months
• Most recent copy of your Form 16 or Income Tax Returns
• Bonus letter to show proof of bonus/Performance Appraisal letter from current organization

Income documents required for self-employed applicants (all documents should be self-attested):

• Income Tax Returns for last 2 years with computation of income, Profit & Loss statement, Balance sheet, Schedules and auditors report (If applicable)
• Financials should be audited if mandatory as per regulations or annual turnover is more than 2 crores. If not, the documents have to be certified by a CA
• GST Certificate
• GST returns
• Business license received under Shops & Establishment Act
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

For doctors, chartered accountants, architects, and other professionals –

All the above-mentioned documents and proof of educational qualification has to be submitted.

Business address proof: If the current business address is different from the address proof given above, any one of the below mentioned documents should be submitted:

• Bank passbook/bank statement – It should contain transactions of the last 3 months and not be older than 40 days from the date of submission to PCHF for home loan.
• Legal rental agreement and any one utility bill under the name of landlord. Utility bills should be of the last two months from the date of submission for home loan application. 

Documents to be submitted by sole proprietor:

• Registration certificate
• Business license received under Shop & Establishment Act
• GST Certificate
• GST returns
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

Full list of documents to be submitted by partners of a partnership firm:

• PAN of the partnership firm
• Registration certificate if the business is registered
• Most recent Partnership Deed
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Documents required for Piramal home loan – For primary home loan applicant as well as co-applicants and guarantors.

The co-applicant documents required for home loan as mentioned above need to be submitted at the time of primary application processing.

Piramal home loan plans

PCHF offers three home loan plans:

• Super Home Loan
• Advantage Home Loan
• Bridge Home Loan
• Self-Construction Loan

Full list of documents required for Super Home Loan

Proof of identity (any one):

Valid Passport/ Aadhar Card/Permanent Account Number Card/Driver’s License/ Voter’s Identity Card

Proof of residence (any one):

Valid Passport/ Voter’s Identity Card/Ration Card as issued by the Authorities/Driver’s License/Aadhar Card/Voter’s Identity Card

Current residence address proof (any one): – If permanent address is different from present address of the applicant, one of the below proofs should be submitted:

• Bills of the last two months – Electricity bill/piped gas connection/cooking gas cylinder bill & book/water bill/postpaid mobile bill
• Bank passbook or bank statement with current residential address – with transactions of the last 3 months. Transactions should be not older than 40 days from the date of submission of application
• Rental agreement and any one of the utility bills under the name of landlord. Utility bills should not be more than two months old
• Pension or family pension payment orders

Age proof: (any one)

Valid Passport/Ration Card as issued by the Authorities/Driver’s License/Birth Certificate (issued by Government body)/ 10th Standard Certificate from School/Life insurance policy

Signature proof 

If the PAN card with signature is not available, any of the following documents can be submitted along with a specimen signature at the time of application: Signature on registered sale deed/Banker’s signature verification/PF cheque clearance/ECS attestation on cheque

For non-financial co-applicant/guarantor – legal self-declaration affidavit

Relationship proof: (any one)

• If the document contains name of applicant’s parents – school leaving certificate (with percentage marks)
• Birth certificate
• Marriage certificate
• Notarized relationship affidavit
• Bank statement/bank passbook of a joint account that states the relationship of the applicants
• Ration Card as issued by the Authorities with the names and age of two or more home loan applicants

Proof of employment:

For Salaried applicant: Employee Appointment letter from the current company.

For Self-employed professional and Non-professional:

• Trade license certificate
• Shops and establishment certificate
• Value Added Tax (VAT)/Sales Tax/Goods and Services Tax (GST)
• Registration Certificate from Small Scale Industry Registration (SSI)
• Registration certificate
• Bachelor’s and Master’s Degree Certificate

Income Documents:

For salaried applicants for Super Home Loan (all documents should be self-attested):

• Pay slip of the last 3 months
• Most recent copy of your Form 16 or Income Tax Returns
• Bonus letter to show proof of bonus/Performance Appraisal letter from current organization

For self-employed applicants for Super Home Loan (all documents should be self-attested):

• Income Tax Returns for last 2 years with computation of income, Profit & Loss statement, Balance sheet, Schedules and auditors report (If applicable)
• Financials should be audited if mandatory as per regulations or annual turnover is more than 2 crores. If not, the documents have to be certified by a CA
• GST Certificate
• GST returns
• Business license received under Shops & Establishment Act
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

For doctors, chartered accountants, architects, and other professionals –

• Proof of educational qualification
• Proof of professional employment
• All of the above documents

Business address proof: If the current business address is different from the address proof given above, any one of the below mentioned documents should be submitted:

• Bank passbook/bank statement – It should contain transactions of the last 3 months and not be older than 40 days from the date of submission to PCHF for home loan.
• Legal rental agreement and any one utility bill under the name of landlord. Utility bills should be of the last two months from the date of submission for home loan application.  

Documents to be submitted by sole proprietor for Super Home Loan:

• Registration certificate
• Business license received under Shop & Establishment Act
• GST Certificate
• GST returns
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

Full list of documents to be submitted by partners of a partnership firm applying for Super Home Loan:

• PAN of the partnership firm
• Registration certificate if the business is registered
• Most recent Partnership Deed
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Full list of documents to be submitted by Company/LLP applying for Super Home Loan:

• PAN number of the company
• Certificate of incorporation
• Memorandum of Association and Articles of Association
• Power of attorney and Board of Directors’ resolution granted to its manager officers or employees to carry out the tasks on behalf of the company
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Full list of documents required for Piramal Advantage Home Loan:

Proof of identity (any one):

Valid Passport/ Aadhar Card/Permanent Account Number Card/Driver’s License/ Voter’s Identity Card

Proof of residence (any one):

Valid Passport/Voter’s Identity Card/Ration Card as issued by the Authorities/Driver’s License/Aadhar Card/Voter’s Identity Card

Current residence address proof (any one):  If permanent address is different from present residential address of the applicant, one of the below proofs should be submitted:

• Bills of the last two months – Electricity bill/piped gas connection/cooking gas cylinder bill & book/water bill/postpaid mobile bill
• Bank passbook or bank statement with current residential address – with transactions of the last 3 months. Transactions should be not older than 40 days from the date of submission of application
• Rental agreement and any one of the utility bills under the name of landlord. Utility bills should not be more than two months old
• Pension or family pension payment orders

Age proof: (any one)

Valid Passport/Ration Card as issued by the Authorities/Driver’s License/Birth Certificate (issued by Government body)/10th Standard Certificate from School/Life insurance policy

Signature proof  

In case PAN card with signature is not submitted, signature proof is mandatory for submission: Signature on registered sale deed/Banker’s signature verification/PF cheque clearance/ECS attestation on cheque

For non-financial co-applicant/guarantor – legal self-declaration affidavit

Relationship proof: (any one)

• If the document contains name of applicant’s parents – school leaving certificate (with percentage marks)
• Birth certificate
• Marriage certificate
• Notarized relationship affidavit
• Bank statement/bank passbook of a joint account that states the relationship of the applicants
• Ration Card as issued by the Authorities with the names and age of two or more home loan applicants

Proof of employment:

For salaried applicant: Employee Appointment letter from the current company.

For Self-employed professional and Non-professional:

• Trade license certificate
• Shops and establishment certificate
• Value Added Tax (VAT)/Sales Tax/Goods and Services Tax (GST)
• Registration Certificate from Small Scale Industry Registration (SSI)
• Registration certificate
• Bachelor’s and Master’s Degree Certificate

Income documents

Documents required for salaried applicants for Piramal Advantage Home Loan (all documents should be self-attested):

• Pay slip of the last 3 months
• Most recent copy of your Form 16 or Income Tax Returns
• Bonus letter to show proof of bonus/Performance Appraisal letter from current organisation

Documents required for self-employed applicants for Piramal Advantage Home Loan (all documents should be self-attested):

• Income Tax Returns for last 2 years with computation of income, Profit & Loss statement, Balance sheet, Schedules and auditors report (If applicable)
• Financials should be audited if mandatory as per regulations or annual turnover is more than 2 crores. If not, the documents have to be certified by a CA
• GST Certificate
• GST returns
• Business license received under Shops & Establishment Act
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

Documents required for doctors, chartered accountants, architects, and other professionals –

• Proof of educational qualification
• Proof of professional employment
• All of the relevant documents from the above list

Business address proof: If the current business address is different from the address proof given above, any one of the below mentioned documents should be submitted:

• Bank passbook/bank statement – It should contain transactions of the last 3 months and not be older than 40 days from the date of submission to PCHF for home loan.
• Legal rental agreement and any one utility bill under the name of landlord. Utility bills should be of the last two months from the date of submission for home loan application. 

Documents to be submitted by sole proprietor for Advantage Home Loan:

• Registration certificate
• Business license received under Shop & Establishment Act
• GST Certificate
• GST returns
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

Full list of documents to be submitted by partners of a partnership firm applying for Advantage Home Loan:

• PAN of the partnership firm
• Registration certificate if the business is registered
• Most recent Partnership Deed
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Full list of documents to be submitted by Company/LLP applying for Advantage Home Loan:

• PAN number of the company
• Certificate of incorporation
• Articles of Association and Memorandum of Association
• Power of attorney and Board of Directors’ resolution granted to its manager officers or employees to carry out the tasks on behalf of the company
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Full list of documents required for Bridge Home Loan:

Proof of identity (any one):

Valid Passport/ Aadhar Card/Permanent Account Number Card/Driver’s License/ Voter’s Identity Card

Proof of residence (any one):

Valid Passport/ Voter’s Identity Card/Ration Card as issued by the Authorities/Driver’s License/Aadhar Card/Voter’s Identity Card

Current residence address proof (any one): – If permanent address is different from present address of the applicant, one of the below proofs should be submitted

• Bills of the last two months – Electricity bill/piped gas connection/cooking gas cylinder bill & book/water bill/postpaid mobile bill
• Bank passbook or bank statement with current residential address – with transactions of the last 3 months. Transactions should be not older than 40 days from the date of submission of application
• Rental agreement and any one of the utility bills under the name of landlord. Utility bills should not be more than two months old
• Pension or family pension payment orders

Age proof: (any one)

Valid Passport/Ration Card as issued by the Authorities/Driver’s License/Birth Certificate (issued by Government body)/ 10th Standard Certificate from School/Life insurance policy

Signature proof  

In case PAN card with signature is not submitted, signature proof is mandatory for submission: Signature on registered sale deed/Banker’s signature verification/PF cheque clearance/ECS attestation on cheque

For non-financial co-applicant/guarantor – legal self-declaration affidavit

Relationship proof: (any one)

• If the document contains name of applicant’s parents – school leaving certificate (with percentage marks)
• Birth certificate
• Marriage certificate
• Notarized relationship affidavit
• Bank statement/bank passbook of a joint account that states the relationship of the applicants
• Ration Card as issued by the Authorities with the names and age of two or more home loan applicants

Proof of employment:

For Salaried applicant: Employee Appointment letter from the current company.

For Self-employed professional and Non-professional:

• Trade license certificate
• Shops and establishment certificate
• Value Added Tax (VAT)/Sales Tax/Goods and Services Tax (GST)
• Registration Certificate from Small Scale Industry Registration (SSI)
• Registration certificate
• Bachelor’s and Master’s Degree Certificate

Income documents

Documents required for salaried applicants for Bridge Home Loan (all documents should be self-attested):

• Pay slip of the last 3 months
• Most recent copy of your Form 16 or Income Tax Returns
• Bonus letter to show proof of bonus/Performance Appraisal letter from current organization

Documents required for self-employed applicants for Bridge Home Loan (all documents should be self-attested):

• Computation of income along with Income Tax Returns for last two years, Profit & Loss statement, Schedules and auditors report, Balance sheet
• Financials should be audited if mandatory as per regulations or annual turnover is more than 2 crores. If not, the documents have to be certified by a CA
• GST Certificate
• GST returns
• Business license received under Shops & Establishment Act
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

For doctors, chartered accountants, architects, and other professionals –

• Proof of educational qualification
• Proof of professional employment
• All the documents mentioned under ‘Documents required for self-employed applicants for Bridge Home Loan’

Business address proof: If the current business address is different from the address proof given above, any one of the below mentioned documents should be submitted:

• Bank passbook/bank statement – It should contain transactions of the last 3 months and not be older than 40 days from the date of submission to PCHF for home loan.
• Legal rental agreement and any one utility bill under the name of landlord. Utility bills should be of the last two months from the date of submission for home loan application. 

Documents to be submitted by sole proprietor for Bridge Home Loan:

• Registration certificate
• Business license received under Shop & Establishment Act
• GST Certificate
• GST returns
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

Full list of documents to be submitted by partners of a partnership firm applying for Bridge Home Loan:

• PAN of the partnership firm
• Registration certificate if the business is registered
• Most recent Partnership Deed
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Full list of documents to be submitted by Company/LLP applying for Bridge Home Loan:

• PAN number of the company
• Certificate of incorporation
• Articles of Association and Memorandum of Association
• Power of attorney and Board of Directors’ resolution granted to its manager officers or employees to carry out the tasks on behalf of the company
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Full list of documents required for Piramal Capital and Housing Finance Self-Construction Loan

Proof of identity (any one):

Valid Passport/Aadhar Card/Permanent Account Number Card/Driver’s License/Voter’s Identity Card

Proof of residence (any one):

Valid Passport/Voter’s Identity Card/Ration Card as issued by the Authorities/Driver’s License/Aadhar Card/Voter’s Identity Card

Current residence address proof (any one): – If permanent address is different from present address of the applicant, one of the below proofs should be submitted

• Bills of the last two months – Electricity bill/piped gas connection/cooking gas cylinder bill & book/water bill/postpaid mobile bill
• Bank passbook or bank statement with current residential address – with transactions of the last 3 months. Transactions should be not older than 40 days from the date of submission of application
• Rental agreement and any one of the utility bills under the name of landlord. Utility bills should not be more than two months old
• Pension or family pension payment orders

Age proof: (any one)

Valid Passport/Ration Card as issued by the Authorities/Driver’s License/Birth Certificate (issued by Government body)/ 10th Standard Certificate from School/Life insurance policy

Signature proof 

In case PAN card with signature is not submitted, signature proof is mandatory for submission: Signature on registered sale deed/Banker’s signature verification/PF cheque clearance/ECS attestation on cheque

For non-financial co-applicant/guarantor – legal self-declaration affidavit

Relationship proof: (any one)

• If the document contains name of applicant’s parents – school leaving certificate (with percentage marks)
• Birth certificate
• Marriage certificate
• Notarized relationship affidavit
• Bank statement/bank passbook of a joint account that states the relationship of the applicants
• Ration Card as issued by the Authorities with the names and age of two or more home loan applicants

Proof of employment:

For Salaried applicant: Employee Appointment letter from the current company.

For Self-employed professional and Non-professional:

• Trade license certificate
• Shops and establishment certificate
• Value Added Tax (VAT)/Sales Tax/Goods and Services Tax (GST)
• Registration Certificate from Small Scale Industry Registration (SSI)
• Registration certificate
• Bachelor’s and Master’s Degree Certificate

Income documents

Documents required for salaried applicants for Piramal Self-Construction Home Loan (all documents should be self-attested):

• Pay slip of the last 3 months
• Most recent copy of your Form 16 or Income Tax Returns
• Bonus letter to show proof of bonus/Performance Appraisal letter from current organization

Documents required for self-employed applicants for Piramal Self-Construction Home Loan (all documents should be self-attested):

• Computation of income along with Income Tax Returns for last two years, Profit & Loss statement, Schedules and auditors report, Balance sheet
• Financials should be audited if mandatory as per regulations or annual turnover is more than 2 crores. If not, the documents have to be attested by a CA
• GST Certificate
• GST returns
• Business license received under Shops & Establishment Act
• Utility bills received under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by Income Tax authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

For doctors, chartered accountants, architects, and other professionals –

• Proof of educational qualification
• Proof of professional employment
• All the documents detailed under ‘Documents required for self-employed applicants for Piramal Self-Construction Home Loan’

Business address proof: If the current business address is different from the address proof given above, any one of the below mentioned documents should be submitted:

• Bank passbook/bank statement – It should contain transactions of the last 3 months and not be older than 40 days from the date of submission to PCHF for home loan.
• Legal rental agreement and any one utility bill in the name of the landlord. Utility bills should be of the last two months from the date of submission for home loan application. 

Documents to be submitted by sole proprietor for Piramal Self-Construction Home Loan:

• Registration certificate
• Business license received under Shop & Establishment Act
• GST Certificate
• GST returns
• Utility bills paid under business/firm name
• Income Tax returns of the proprietor that shows firm’s income and is acknowledged by IT authorities
• Certificate issued by Professional tax authorities
• Udyam Aadhaar/Udyog Aadhaar under Firm name and authorized person name

Full list of documents to be submitted by partners of a partnership firm applying for Piramal Self-Construction Home Loan:

• PAN of the partnership firm
• Registration certificate if the business is registered
• Most recent Partnership Deed
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Full list of documents to be submitted by Company/LLP applying for Piramal Self-Construction Home Loan:

• PAN number of the company
• Certificate of incorporation
• Articles of Association and Memorandum of Association
• Power of attorney and Board of Directors’ resolution granted to its manager officers or employees to carry out the tasks on behalf of the company
• PAN and OVD to be submitted by all the partners who own shares over 10% each. Documents should be self-attested.
• List of partners along with the partnership sharing ratio. The document should be attested by all the partners mentioned in the list of partners.

Who can be co-applicants of Piramal Home Loan?

If the property is owned by either husband or wife or jointly, spouse can be the co-applicant.

If the property is owned by either father or son:

• father and son can be co-applicants;
• father and daughter-in-law can be co-applicants;
• son and daughter-in-law can be co-applicants.

If property is owned by either father or daughter:

• father and daughter can be co-applicants;
• father, son-in-law and daughter can be co-applicants;
• daughter and son-in-law can be co-applicants.

If property is owned by either mother or son:

• mother and son can be co-applicants;
• mother, daughter-in-law and son can be co-applicants; son and daughter-in-law can be co-applicants.

If property is owned by either mother or daughter:

• mother and daughter can be co-applicants;
• mother, daughter and son-in-law can be co-applicants;
• daughter and son-in-law can be co-applicants.

If property is owned by one of two brothers (siblings), brothers can be co-applicants.

If property is owned by brother or sister (siblings), siblings can be co-applicants.

Piramal Capital and Housing Finance Home loan documents required FAQ

1. My CIBIL score is currently 670. Can I apply for home loan with PCHF?

Yes, you can apply for home loan with PCHF at your current CIBIL score of 670. Anyone with a CIBIL score of more than 650 can apply for a home loan with Piramal.

2. How can I apply for Piramal home loan online?

You can apply online for Piramal Home Loan by visiting https://fincity.com/. You can also contact our customer support by e-mail and phone at info@fincity.com and our representative will guide you through the application process. Fincity’s customer support phone number is 080-47188010.

3. Which PCHF home loan is best for me?

PCHF offers 3 home loan plans – Super Home Loan, Advantage Home Loan and Bridge Home Loan. Please reach out to https://fincity.com/ to discuss about your requirements concerning home loan and get the best suited home loan plan for you.

4. Who can apply for Piramal Housing Loan?

An Indian resident, non-resident Indian, Partnership firm, LLP, Private Limited Company, Public Limited Company can apply for Piramal Housing Loan. When an individual applies for Piramal Home loan, it is mandatory to have a woman co-applicant. Co-applicant can be spouse or any first blood relative. For shareholders who hold at least 51% of shares can apply for loan in individual capacity.

5. I am a self-employed professional. My financials are audited but are not attested. Can I still submit them?

For any Piramal Home Loan, it is mandatory to submit financials attested by Chartered Accountant for self-employed professionals.

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