Official Borrower Resource
Complete Loan Documents Checklist for Bihar (2026)
Over 60% of bank rejections in Darbhanga, Patna, and North Bihar happen due to minor paperwork errors. Review the exact documents required below to ensure 100% smooth sanction:
1
Personal Loan Documents (Salaried Private & Govt)
For salaried professionals working in private companies, hospitals, schools, or government departments.
| Category | Required Document | Important Verification Tip |
|---|---|---|
| Photo ID | PAN Card + Aadhaar Card | Ensure exact name spelling and DOB matches on both cards. |
| Income Proof | Latest 3 Months' Salary Slips | Must show net take-home salary, basic pay, and PF deduction. |
| Banking | Latest 6 Months' Salary Bank Statement | Downloaded original PDF statement or bank passbook with stamp. |
| Employment | Company / Department ID Card | Appointment letter or official work email verification if ID missing. |
| Residence | Electricity Bill or Rent Agreement | Bill should be within last 2 months for local address verification. |
2
Business Loan & Mudra Loan Documents
For shopkeepers, retail traders, wholesalers, contractors, and MSME manufacturing units.
| Category | Required Document | Important Verification Tip |
|---|---|---|
| Business Proof | Udyam Registration / Trade License / GST | Udyam Aadhaar certificate is free; LoanKendra helps generate it if missing. |
| Banking | 12 Months' Bank Statement (Current or Savings) | Shows daily QR code transactions, customer credits, and cash deposits. |
| Establishment | Shop Photos & Rent Agreement | Photos showing outer nameboard and inside inventory/counter. |
| Tax (Optional) | Latest 1-2 Years' ITR with Computation | Mandatory only for loans above ₹10 Lakhs; smaller loans approve on turnover. |
3
Home Loan & Property Loan Documents
For flat purchase, plot construction, home renovation, or Loan Against Property (LAP).
| Category | Required Document | Important Verification Tip |
|---|---|---|
| Title Deed | Registered Sale Deed (Kewala) / Bhu-Abhilekh | Clear 13-30 years chain of title deeds required by bank legal panel. |
| Revenue Proof | Dakhil Kharij (Mutation) & Latest Lagan Rasid | Current financial year Bihar land revenue receipt (online rasid accepted). |
| Clearance | Non-Encumbrance Certificate (NEC) | Certifies no existing mortgage or dispute on the parcel of land. |
| Technical Plan | Approved Map & Construction Estimate | Certified by an empanelled Civil Engineer / Architect for construction stage. |
Don't Know If Your Papers Are Complete?
Don't risk a rejection that ruins your CIBIL score. Founder Govind Kumar personally reviews your files at your doorstep across Darbhanga, Madhubani, Samastipur, and Patna.