Dhanlaxmi Bank Personal Loan

• Age: Above 23 years
• Profession: Salaried applicants employed permanently with Central/State Government institution/a profit making organization/a reputed company, self-employed professionals and self-employed non-professionals working with a partnership firm/proprietorship business/private limited company
• Total Work Experience: For Salaried- 2 years and above
  • For Self-Employed Professionals- 3 years and above
  • For Self-Employed Non-Professionals- 5 years with 4 years in current business

• ID proof: PAN Card, Passport, Voters ID, Driving License, Employee ID issued by Public Sector Undertaking/Defense/Government/reputed MNCs/Public Limited Company only, Bank pass book, Practice certificate issued by professional bodies like ICAI/ICSI/ICWAI/ICFA
• Age Proof: Birth Certificate, School, Leaving Certificate, PAN card, LIC policy, Driving license, College certificate
• Residential Proof: Voter ID, driving license, Valid passport, Life insurance premium receipt of any insurer, latest telephone bills, piped gas connection bill, bank passbook or latest bank account statement, electricity bill, receipt of co-operative housing society, rent agreement with latest electricity bill

• Salary account statement for 6 months along with 3 recent pay slips
• Form 16, appointment letter, Letter from HR authorized signatory
• Banker’s verification, PAN card, ID card for government employees, PAN card, driving license, registered sale deed copy with photo and signatures

• Proof of Registered Office Address and Legal Existence Proof: VAT service tax registration certificate, SSI registration certificate, Shop and Establishment Certificate, Importer-Exporter Code Certificate, latest bank account statement in the name of the entity with complete address, Sales Tax Registration Certificate, Partnership deed or Registration Certificate for partnership firms, MOA/AOA along with Incorporation Certificate for companies
• Proof of Operating Address: Leave and License Agreement in the name of the entity, telephone bill/electricity bill in the name of the entity, PAN intimation letter, IT assessment order, acknowledged ITR of the entity and latest bank account statement in the name of the entity with complete address of the entity
• Signature Verification: ECS mandate, Clearance of initial payment cheque, banker’s verification, documents submitted by the entity at the time of opening the bank account

For Self-Employed Non-Professionals

• Bank statement for last 1 year
• ITR for last 2 years along with income computation, P&L Schedules and balance sheet
• Incorporate Certificate in case of proprietorship
• Qualification and professional certificate for professionals