The specific documents required for personal, business, and commercial loans can vary depending on the lender, the type of loan, and local regulations. However, I can provide you with a general list of common documents that are typically requested for each type of loan. Be sure to check with your lender for their specific requirements.

Documents for Personal Loans:

1. Identification Proof: Typically, a valid government-issued photo ID, such as a aadhar card, pancard, passport, driver’s license, or national ID card.
2. Address Proof: Documents like utility bills, rental agreements, or a residence certificate to verify your current address.
3. Income Proof:
   • For Salaried Individuals: Recent salary slips, employment verification letter, and bank statements.
   • For Self-Employed Individuals: Business financial statements, income tax returns, and bank statements.
4. Credit History: A copy of your credit report to demonstrate your creditworthiness.
5. Loan Application Form: The lender’s loan application form, filled out completely.
6. Employment Proof: For salaried individuals, a letter of employment or an employment contract. For self-employed individuals, business registration documents and financial statements.
7. Bank Statements: Typically the last 3-6 months of bank statements to verify your financial stability.
8. Additional Documents: Depending on the lender’s requirements, they may ask for additional documents like references, post-dated cheques, or a co-signer if your credit history is not strong.

Documents for Business Loans:

1. Business Plan: A detailed business plan that outlines the purpose of the loan, expected financial projections, and repayment strategy.
2. Business Registration: Business registration documents, licenses, permits, and legal structure documentation.
3. Financial Statements: Profit and loss statements, balance sheets, and cash flow statements for the business.
4. Personal and Business Tax Returns: Personal and business tax returns for the past few years.
5. Bank Statements: Business bank statements for the last 6-12 months.
6. Collateral Documentation: If the loan is secured by collateral, documents related to the collateral, such as property deeds, equipment titles, or inventory lists.
7. Legal Documents: Any legal agreements or contracts relevant to the business, such as partnership agreements or franchise agreements.
8. Personal Guarantees: In some cases, lenders may require personal guarantees from business owners or key stakeholders.

Documents for Commercial Loans:

1. Business Information: Detailed information about the business, including its history, structure, and industry.
2. Financial Statements: Comprehensive financial statements, including income statements, balance sheets, and cash flow statements.
3. Tax Returns: Business tax returns for the previous few years.
4. Legal Documents: Legal documents relevant to the business, such as contracts, leases, and corporate bylaws.
5. Collateral Documentation: If the loan is secured by collateral, provide documents related to the collateral, such as property titles, equipment documentation, or inventory lists.
6. Business Plan: An in-depth business plan outlining the purpose of the loan, financial projections, and repayment strategy.
7. Bank Statements: Commercial bank statements for the business.
8. Personal Guarantees: In some cases, lenders may require personal guarantees from business owners or key stakeholders.