# Documents Required for a Home Loan: LIC HFL Checklist (2026)

Source: https://hyderabadhomeloans.com/2023/07/01/essential-documents-required-for-buying-a-home-and-getting-a-loan-home-loan-in-india/ · Updated 11 Oct 2026

**Quick answer:** For an LIC HFL home loan you need four sets of documents: **KYC** (PAN, Aadhaar, address proof, photos), **income proof** (salaried: 3 months’ salary slips, Form 16 or 2 years’ ITR and 6 months’ bank statements; self-employed: 3 years’ ITR, CA-certified accounts and 12 months’ bank statements), the **property papers** and a signed application form.

*Updated: October 2026 · Checked by Vijay Arjun, authorised LIC HFL DSA since 2002.* LIC Housing Finance may ask for more papers depending on your profile and property — we give you the exact list for your case before you apply.

## What documents are needed for a home loan? Checklist at a glance

| Document | Salaried | Self-employed | NRI |
| --- | --- | --- | --- |
| PAN card | Yes | Yes | Yes |
| Aadhaar / passport / voter ID (identity & address) | Yes | Yes | Passport + visa / work permit |
| Recent photographs | Yes | Yes | Yes |
| Salary slips | Last 3 months | — | Last 3–6 months (overseas) |
| Form 16 or ITR | Form 16 or 2 years’ ITR | 3 years’ ITR with computation | As applicable |
| Business financials | — | CA-certified P&L and balance sheet | — |
| Bank statements | 6 months (salary account) | 12 months (business and savings) | 6 months (NRE/NRO and overseas) |
| Existing loan statements | If any | If any | If any |
| Property documents | Depend on what you are buying — see the table below |  |  |

## Which KYC documents are required?

- PAN card — for every applicant and co-applicant.
- Proof of identity and address — Aadhaar, passport, voter ID or driving licence.
- Current address proof if it differs from your ID (rent agreement or a recent utility bill).
- Recent passport-size photographs.

## Which income documents do salaried applicants need?

- Salary slips for the last 3 months.
- Form 16 or Income Tax Returns for the last 2 years.
- Bank statements of the salary account for the last 6 months.
- Appointment or confirmation letter if you joined your employer recently.

Pensioners add the pension payment order and the bank statement where the pension is credited — see our [home loan for pensioners](https://hyderabadhomeloans.com/home-loan-for-pensioners-hyderabad/) page.

## Which income documents do self-employed applicants need?

- Income Tax Returns for the last 3 years, with the computation of income.
- Profit & loss account and balance sheet, certified by a chartered accountant.
- Bank statements for the last 12 months — business and personal accounts.
- Proof of business — GST registration, shop and establishment licence or trade licence.
- Professionals (doctors, CAs, architects): the qualification and registration certificate.

Run a small business but don’t file ITRs? LIC HFL’s [Griha Sugam home loan](https://hyderabadhomeloans.com/griha-sugam-home-loan/) looks at a 3-year business track record and your bank statements instead.

## What property documents are required for a home loan?

This is where most delays happen. The papers depend on what you are buying:

| What you are buying | Property documents usually needed |
| --- | --- |
| Flat in an LIC HFL approved (APF) project | Allotment letter or agreement of sale, builder’s payment receipts and demand letter. The project’s own papers are already with LIC HFL — see our [approved projects list](https://hyderabadhomeloans.com/list-of-approved-projects/). |
| Under-construction flat in another project | Agreement of sale, the builder’s title documents and approved building plan, RERA registration, the builder’s NOC and payment receipts. |
| Resale flat or house | Sale agreement, the seller’s sale deed and the full chain of earlier deeds (usually 13–30 years), encumbrance certificate, approved plan, latest property tax receipt and society NOC where applicable. |
| Plot | Sale agreement, title deeds and link documents, approved layout plan showing your plot, encumbrance certificate and LRS papers where applicable. Read: [HMDA vs DTCP plots](https://hyderabadhomeloans.com/2026/09/29/hmda-dtcp-plot-loan-hyderabad/) and [LRS and home loans](https://hyderabadhomeloans.com/2026/09/29/lrs-plot-home-loan-telangana/). |
| Building on your own plot | Title documents of the plot, approved building permission and plan, and a cost estimate from an engineer or architect. |
| Balance transfer | Loan account statement and sanction letter from your current lender, and a list of the original documents they hold. |

For the Telangana-specific papers — encumbrance certificates, building permissions and occupancy certificates — see [property documents for a home loan in Telangana](https://hyderabadhomeloans.com/2026/09/29/home-loan-property-documents-telangana/).

## What extra documents do NRIs need?

- Passport with a valid visa, work permit or residence permit.
- Overseas employment contract and recent salary slips.
- Overseas bank statements and NRE/NRO account statements.
- A power of attorney if a family member in Hyderabad will sign on your behalf.

More on the [NRI home loan](https://hyderabadhomeloans.com/nri-home-loan-hyderabad/) page.

## How do you avoid delays with your documents?

- Check the property papers **before** you pay an advance — legal problems are much harder to fix later.
- Make sure your name, date of birth and address match across PAN, Aadhaar and bank records.
- Add co-applicants’ KYC and income documents at the start, not halfway through.
- Send us clear copies first — we check them before they go to LIC HFL, so there are fewer queries.

**Buying a resale flat or a plot?** Extra papers apply: see [the resale home loan process](https://hyderabadhomeloans.com/2025/07/30/resale-home-loan-process-with-lic-housing-finance-lichfl-step-by-step-guide-for-home-buyers-%f0%9f%8f%a0/) and [plot purchase costs in Telangana](https://hyderabadhomeloans.com/2026/10/09/plot-purchase-cost-telangana/). First home? Start with [10 steps from budget to keys](https://hyderabadhomeloans.com/2026/10/09/first-time-home-buyer-hyderabad/).

## Frequently asked questions

### How many months of bank statements are required for a home loan?

Usually 6 months for salaried applicants and 12 months for self-employed applicants, covering every account where income is credited.

### Do salaried applicants need ITRs for a home loan?

Form 16 or the last 2 years’ ITRs, plus 3 months’ salary slips, are generally enough. LIC HFL may ask for ITRs if you have other income, such as rent, that you want counted.

### Does LIC HFL keep my original property documents?

Yes. The original title documents are deposited with LIC HFL as security for the loan — this is called a [memorandum of deposit of title deeds (MODT)](https://hyderabadhomeloans.com/2024/07/25/what-is-motd/) — and are returned when the loan is fully repaid.

### Can I get a home loan without income tax returns?

If you are a small business owner without ITRs, LIC HFL’s Griha Sugam scheme may suit you: it looks at a 3-year business vintage and bank statements instead.

### Which documents does a co-applicant need?

The same KYC documents, and income documents if their income is to be counted towards the loan. A co-owner of the property is normally a co-applicant too.

**Next step:** [check how much you can borrow](https://hyderabadhomeloans.com/income-eligibility-calculator/) or WhatsApp us your documents list — we’ll tell you what is missing before you apply.

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Hyderabad Home Loans — authorised DSA of LIC Housing Finance Ltd since 2002. Free eligibility check: https://hyderabadhomeloans.com/. Phone / WhatsApp +91-8886249998.