Document Status:
Mandatory
Optional (helps approval)
Conditional (if applicable)
Identity & Residence Documents
Required by all banks · Mandatory category
✓
Valid Indian Passport
All pages including blank pages. Must be valid for at least 6 months from date of application.
Mandatory✓
Valid Work Visa / Resident Permit
Current valid visa showing legal right to work and reside in the country of residence.
Mandatory✓
Overseas Address Proof
Utility bill, bank statement, or tenancy agreement showing current overseas address. Not older than 3 months.
Mandatory✓
PAN Card (India)
Mandatory for all Indian financial transactions above ₹50,000. Apply at NSDL portal if not available.
Mandatory★
Aadhaar Card
Optional but helpful for faster KYC verification. Submit only if you have an active Aadhaar.
Optional◎
OCI / PIO Card
Required if you hold citizenship of another country but are of Indian origin.
ConditionalAttestation Required: All identity documents must be self-attested. Some banks require notarisation and/or Indian Embassy attestation for overseas documents.
Employment & Income Documents
For salaried NRIs · Minimum 2 years employment required
✓
Last 6 Months Salary Slips
Consecutive 6-month salary slips on company letterhead, showing all deductions and net pay.
Mandatory✓
Employment Contract / Offer Letter
Current employment agreement showing designation, salary, and duration of employment.
Mandatory✓
Last 2 Years Work History
Continuous employment proof for at least 2 years. Gap letters required for any employment gaps.
Mandatory✓
Employer HR Contact Details
HR email, phone, and company address for verification. Banks may contact employer directly.
Mandatory★
Appointment / Promotion Letters
Helps establish career stability and income growth trajectory. Strengthens your loan application.
Optional◎
Work Permit / Labour Card
Required in UAE (Emirates ID), Saudi Arabia, Qatar, and Gulf countries as additional employment proof.
ConditionalIncome Conversion: Banks will convert your foreign income to INR using the RBI reference rate on the date of application. Minimum income threshold is typically ₹75,000/month equivalent.
Bank & Financial Documents
Demonstrates financial stability and repayment capacity
✓
Overseas Bank Statements (6 Months)
Bank account where salary is credited. Must show regular salary credits and responsible spending patterns.
Mandatory✓
NRE / NRO Account Statements (6 Months)
Indian NRE/NRO account statements showing remittances to India. Loan EMI will be repaid via NRE/NRO.
Mandatory✓
CIBIL / Credit Report
Indian CIBIL score (minimum 700, ideally 750+). Also provide overseas credit report if available.
Mandatory◎
India Income Tax Returns (ITR)
Last 2 years ITR if you earn any income from India (rental, business, or investment income).
Conditional◎
Existing Loan Statements
Last 12-month statement for any existing home/car/personal loans in India or abroad.
Conditional★
Fixed Deposit / Investment Proof
FD certificates, mutual fund statements, or investment proofs strengthen your financial credibility.
OptionalPro Tip: Maintain your NRE account balance equivalent to at least 3–6 months of EMI before applying. Banks view this positively as it shows repayment capacity.
Property Documents
Varies by property type — new / resale / under-construction
✓
Sale Agreement / Allotment Letter
Executed sale agreement between buyer and seller/developer. Must be registered.
Mandatory✓
Builder / Developer NOC
No-Objection Certificate from builder/developer confirming no encumbrances on the property.
Mandatory✓
Approved Building Plan
Municipality / RERA approved floor plan and layout. RERA registration certificate mandatory.
Mandatory✓
Title Deed / Ownership Chain
Last 13 years title search showing clear ownership. Bank's legal team will verify this.
Mandatory◎
Completion Certificate (CC)
Required if property is completed and ready for possession. Issued by local municipal authority.
Conditional◎
Occupancy Certificate (OC)
Mandatory for ready-to-move properties. Many banks will not disburse without a valid OC.
ConditionalBank Legal Team: All property documents are reviewed by the bank's empanelled lawyer. This process takes 7–15 days. Our team co-ordinates with the bank's legal team to speed this up.
Additional Documents — Self-Employed NRI
Required in addition to the standard documents above
✓
Business Registration Certificate
Certificate of incorporation, trade license, or business registration in country of residence. Min. 3 years old.
Mandatory✓
Last 3 Years Financial Statements
Audited P&L account, balance sheet, and cash flow statements certified by a CA or CPA.
Mandatory✓
Last 3 Years Tax Returns
Overseas business/personal tax returns (equivalent of ITR) for last 3 consecutive years.
Mandatory✓
Business Bank Statements (12 Months)
Business account statements showing revenue, turnover, and cash flows for last 12 months.
Mandatory★
Client Contracts / MOU
Ongoing business contracts showing revenue continuity. Strengthens case for self-employed with variable income.
Optional★
CA / CPA Business Stability Letter
Letter from your chartered accountant confirming business is profitable, stable, and ongoing.
OptionalPower of Attorney (PoA)
Recommended for NRIs who cannot travel to India for signing
✓
Notarised PoA Document
General or Special PoA authorising a trusted person in India to sign on your behalf. Must be notarised in your country of residence.
Mandatory (if using PoA)✓
Indian Embassy Attestation
PoA must be attested by the Indian Embassy or Consulate in your country of residence before sending to India.
Mandatory✓
PoA Holder's ID & Address Proof
Aadhaar, PAN, and address proof of the person authorised to act as your PoA in India.
Mandatory◎
Registered PoA
Some banks require the PoA to be registered at the sub-registrar's office in India after arrival. Verify with your bank.
Bank DependentPoA Tip: Use a Special Power of Attorney (specific to the property and loan) rather than a General PoA. Banks prefer limited-scope PoA documents. Our team provides a standard PoA template for free.
Country-Wise Specific Documents
Additional documents required based on your country of residence
| Document | Details | Status |
|---|---|---|
| Emirates ID (EID) | Valid Emirates Identity Card — primary UAE residency proof. Front & back copy. | Required |
| UAE Labour / Work Permit | Ministry of Human Resources labour card or MOHRE work permit confirmation. | Required |
| Salary Transfer Letter | Letter from employer confirming salary is transferred to a UAE bank (WPS system). | Required |
| UAE Bank Statement (6 months) | Statement from UAE bank account where salary is credited via WPS. | Required |
| Entry Stamp / Visa Page | Passport page showing current UAE residence visa with expiry date. | Required |
| Overseas Credit Report (Al Etihad) | Credit report from Al Etihad Credit Bureau (AECB) if available. | Optional |
| Document | Details | Status |
|---|---|---|
| Valid US Visa / Green Card | H1B, L1, O1, or other valid work visa. Green Card holders provide PR card copy. | Required |
| Last 2 Years W-2 / Tax Returns | W-2 forms or 1040 federal tax returns. Most reliable proof of US income for Indian banks. | Required |
| Latest 2 Pay Stubs | Most recent 2 US payslips from US employer. Must show YTD earnings. | Required |
| US Bank Statements (6 months) | Checking account statements where salary is deposited. | Required |
| US Credit Report | Experian / TransUnion / Equifax report. Demonstrates creditworthiness beyond Indian CIBIL. | Optional |
| Document | Details | Status |
|---|---|---|
| UK Biometric Residence Permit (BRP) | Current valid BRP card showing right to work in the UK. Front & back copy required. | Required |
| P60 / P45 Forms (Last 2 Years) | Annual tax summary from HMRC showing total annual earnings and tax paid. | Required |
| UK Bank Statements (6 Months) | Barclays, HSBC, Lloyds, or other UK bank statements showing salary credit. | Required |
| National Insurance Number | NI number required for UK employment and tax verification by Indian banks. | Required |
| UK Credit Report | Experian UK or Equifax UK credit report. Strengthens overall creditworthiness assessment. | Optional |
| Document | Details | Status |
|---|---|---|
| Canadian PR Card / Work Permit | Permanent Resident card or valid work permit. Express Entry / PNP PR card accepted. | Required |
| T4 Slips (Last 2 Years) | T4 employment income slips from Canadian Revenue Agency (CRA). Equivalent of W-2. | Required |
| Canadian Tax Assessment (NOA) | Notice of Assessment from CRA for last 2 years. | Required |
| Canadian Bank Statements | 6-month statements from TD, RBC, Scotiabank, BMO, or CIBC accounts. | Required |
| Canadian Credit Report | Equifax Canada or TransUnion Canada report to demonstrate Canadian credit history. | Optional |
| Document | Details | Status |
|---|---|---|
| Australian PR / Visa | Australian Permanent Resident visa (subclass 189/190) or valid work visa (subclass 482). | Required |
| Australian Tax Return (2 Years) | ATO Individual Tax Return for last 2 financial years. MyGov / ATO portal printout. | Required |
| Payment Summaries / PAYG | PAYG Payment Summary from Australian employer for last 2 years. | Required |
| Australian Bank Statements | 6-month statements from Commonwealth, ANZ, NAB, or Westpac accounts. | Required |
| Australian Credit File | Credit file from Equifax Australia or illion. | Optional |
| Document | Details | Status |
|---|---|---|
| Employment Pass (EP) / PR Card | Valid MOM Employment Pass or Singapore Permanent Resident card. S-Pass also accepted. | Required |
| CPF Statements (12 Months) | Central Provident Fund (CPF) contribution statements showing employer and employee contributions. | Required |
| IRAS Notice of Assessment | Singapore IRAS tax assessment for last 2 years. Available via SingPass on myTax Portal. | Required |
| Singapore Bank Statements | 6-month statements from DBS, OCBC, UOB, or Citibank Singapore accounts. | Required |
| Credit Bureau Singapore Report | CBS credit report showing Singapore credit score and history. | Optional |
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Valid Indian Passport (all pages)
Work Visa / Emirates ID / Residence Permit
PAN Card
Overseas Address Proof (utility bill / tenancy)
Last 6 Months Salary Slips
Employment Contract / Appointment Letter
Overseas Bank Statements (6 months)
NRE / NRO Account Statements (6 months)
CIBIL / Credit Score Report
Sale Agreement / Allotment Letter
Title Deed / Ownership Documents
Approved Building Plan / RERA Certificate
Encumbrance Certificate (if resale)
Power of Attorney (if applying remotely)
Common Questions
Frequently Asked Questions
on NRI Loan Documents
Do NRI documents need to be attested?
Yes. All overseas documents must be self-attested first. For higher loan amounts or if the bank requests it, documents must also be notarised by a public notary and attested by the Indian Embassy or Consulate in your country of residence. Our team will guide you on exactly which documents need attestation for your specific bank.
Can I apply for an NRI home loan without visiting India?
Yes, absolutely. You can complete the entire application process remotely. You will need to execute a Power of Attorney (PoA) to authorise a trusted person in India to sign documents on your behalf. The PoA must be notarised and attested by the Indian Embassy in your country before it can be used in India.
How long should my documents be valid?
Passport must be valid for at least 6 months from the date of application. Visa/residence permits should be valid for at least 3 months. Bank statements and salary slips must not be older than 3–6 months from the date of submission.
What if some documents are in a foreign language?
All foreign language documents must be accompanied by a certified English translation. The translation must be done by a certified translator and notarised. Our team can connect you with certified translators for Arabic, French, German, Mandarin, and other major languages.
Is there a minimum CIBIL score required?
Most banks require a minimum CIBIL score of 700 for NRI home loan approval. A score of 750+ qualifies you for the best interest rates. If you have a low or no CIBIL score, some banks consider your overseas credit report as an alternative.
Can I use my spouse's income for joint NRI home loan?
Yes. You can apply as co-borrowers with your spouse. If your spouse is also an NRI, the same set of documents applies to them. If your spouse is a resident Indian, they need standard resident Indian income and KYC documents. Adding a co-borrower with a stable income significantly increases your loan eligibility amount.
