What Documents Will You Have to Submit to Get a Home Loan from SBI? See the Complete List Here Before Applying

Applying for a home loan can feel overwhelming, especially when you’re unsure about the paperwork involved. If you’re planning to apply for a home loan from the State Bank of India (SBI), one of India’s most trusted public sector banks, it’s essential to understand the exact documents required for a smooth approval process.

Whether you’re a salaried professional, self-employed individual, or a non-resident Indian (NRI), SBI has well-defined documentation requirements. Submitting complete and correct documents not only speeds up the loan approval but also helps avoid unnecessary delays or rejections.

SBI Home Loan Document Checklist

Category	Details
Bank Name	State Bank of India (SBI)
Loan Type	SBI Regular Home Loan, NRI Home Loan, Pre-Approved Loan, etc.
Minimum Documents Required	Identity Proof, Address Proof, Income Proof, Bank Statements, Property Papers
Applicable to	Salaried, Self-Employed, NRIs, Farmers, Pensioners
Estimated Processing Time	7 to 10 working days (subject to documentation and property verification)

Getting a home loan from SBI is one of the most trusted ways to finance your dream home in India. But the process starts with submitting the right documents. Whether you’re salaried, self-employed, or living abroad, understanding SBI’s documentation requirements can help you apply with confidence and increase your chances of approval.

Why Proper Documentation Matters in a Home Loan Application

Banks like SBI assess your creditworthiness and repayment ability primarily through the documents you submit. Incomplete or inaccurate documents can lead to:

Loan rejection
Delayed disbursal
Lower loan amount approval
Higher interest rate offers

By understanding the required paperwork in advance, you set yourself up for a hassle-free experience.

Common Documents Required by SBI for All Applicants

Here’s a complete checklist of general documents that every applicant needs to submit:

1. Identity Proof (Any One)

PAN Card (mandatory for all loan applicants)
Passport
Aadhaar Card
Driving License
Voter ID

Tip: Ensure the name and date of birth match across all documents to avoid discrepancies.

2. Address Proof (Any One)

Aadhaar Card
Passport
Electricity/Water/Gas Bill (within 2 months)
Registered Rent Agreement
Voter ID

3. Recent Photographs

2 to 3 passport-size photos of each applicant and co-applicant

4. Bank Account Statement

Last 6 months’ bank account statement of the main salary/savings account

5. Signature Verification Proof

Banker’s certificate or a canceled cheque from the primary bank account

Income Proof Based on Applicant Type

For Salaried Individuals

Salary slips for the last 3 months
Form 16 or Income Tax Return (ITR) for 2 years
Employment Certificate or Offer Letter (if recently joined)

Pro Tip: Make sure your salary is directly credited into your bank account – it increases credibility.

For Self-Employed Individuals

Business registration or GST certificate
Balance Sheet and Profit & Loss Account (last 3 years)
ITRs for the last 3 years (with computation)
Bank statements of the business account for 6 months

For NRIs

Valid passport and visa copy
Work permit or employment contract
Overseas bank account statements (last 6 months)
NRE/NRO account statement in India
Power of Attorney (POA) in favor of someone in India

Property-Related Documents Required by SBI

Whether you’re buying a flat, constructing a house, or purchasing a resale property, property documents are key to final loan disbursal:

Mandatory Property Documents:

Agreement to Sale or Allotment Letter (signed with the builder/seller)
Title deed and past chain of ownership (for resale property)
Approved building plan by the local authority
Occupancy certificate (for ready possession homes)
Payment receipts (for under-construction property)

Note: SBI conducts legal and technical verification of property documents, so ensure everything is clear and updated.

Additional Documents for Co-Applicants and Guarantors

If you’re applying with a co-applicant or guarantor, they must also submit:

ID and address proof
Bank statements (6 months)
Income proof (salary slips or ITRs)
2 passport-size photos
Relationship proof (if applying jointly with a spouse or parent)

Special Document Requirements for Farmers

For applicants involved in agriculture:

Land ownership records (7/12 extract, Form 6, 8A)
Crop details and seasonal income proof
Bank passbook showing transaction history for 1 year

Step-by-Step Guide to Submitting Documents to SBI

Step 1: Pre-Sanction Document Submission

When you first apply, SBI will ask for your:

Identity and Address proof
Income proof
6 months’ bank statement
Employment or business proof

This helps the bank pre-qualify your eligibility.

Step 2: Property Documentation

Once you’re shortlisted for a loan, you must submit:

Property ownership documents
Builder-buyer agreement (if applicable)
Chain of title documents
No Objection Certificates (NOC)

Step 3: Verification and Loan Sanction

SBI will verify:

Your credit score (via CIBIL)
Authenticity of documents
Legal status of property

You’ll receive a Sanction Letter if everything checks out.

Step 4: Disbursal

Final documentation includes:

Signed loan agreement
ECS mandate for EMI
Disbursement request form

The loan amount is then released, either in full or as per construction stages.

SBI Home Loan Document Checklist FAQs

Q. Is PAN card mandatory for a home loan?

Absolutely. SBI requires PAN card for all applicants and co-applicants as per RBI norms.

Q. What is the minimum income required for a home loan at SBI?

While there’s no fixed number, a monthly income of ₹25,000+ is generally preferred for salaried individuals. For self-employed, consistent annual profits matter more.

Q. Can I submit photocopies of documents?

Yes, but self-attested copies are required. SBI may also ask for original documents during verification.

Q. How many co-applicants are allowed?

SBI allows up to 3 co-applicants, typically family members. Their income can be clubbed to enhance loan eligibility.