Digital India Finance Services
Avail Digital India Finance Services Loan Against Property (LAP) for your personal or business needs. Both residential and commercial properties can be mortgaged for availing a loan against property. Digital India Finance Services provides a smooth & hassle-free LAP to both salaried and self-employed individuals. Digital India Finance Services Loan Against Property is a simple solution to your financial needs.
Apply Now| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| Self Occupied Residential Property | 8.95 - 9.95 |
| Non - Self Occupied Residential Property | 9.25 - 10.25 |
| Loan Slab | Interest Rates (% p.a.) |
|---|---|
| Commercial Property | 9.25 - 10.25 |
Following are the documents you would need to submit for all applicants / co-applicants along with the completed and signed Application Form for loan approval.
| A | Sr.No. | Mandatory Documents | ||
|---|---|---|---|---|
| 1 | PAN Card or Form 60 (If the customer does not have a PAN Card) | |||
| B | Sr.No. | Description of Officially Valid Documents (OVD) that can be accepted for establishing the legal name & current address of Individuals*[Any one of the following documents can be submitted] | Identity Proof | Address Proof |
| 1 | Passport, the validity of which has not expired. | ✔ | ✔ | |
| 2 | Driving license which has not expired. | ✔ | ✔ | |
| 3 | Election /Voters identification card | ✔ | ✔ | |
| 4 | Job card issued by NREGA duly signed by the officer of the State Government | ✔ | ✔ | |
| 5 | Letter issued by the National Population Register containing details of name, address. | ✔ | ✔ | |
| 6 | Proof of possession of Aadhaar Number (to be obtained voluntarily) | ✔ | ✔ |
A document mentioned above shall be deemed to be an OVD even if there is a change in the name subsequent to issuance provided it is supported by a marriage certificate issued by State Government or Gazette notification, indicating such a change of name.
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Last 3 months' Salary Slips | ✔ | ||
| Last 6 months' Our Statements, showing salary credits | ✔ | ||
| Latest Form-16 and IT returns | ✔ | ||
| Income Tax Returns along with computation of income for the last 3 Assessment Years (of both the individual and the business entity and attested by a CA) | ✔ | ✔ | |
| Last 3 years’ Balance Sheet and Profit & Loss A/c Statements, with Annexures / Schedules (of both the individual and the business entity and attested by a CA) | ✔ | ✔ | |
| Last 6 months' Current A/c Statements of the business entity and Savings Account Statements of the individual | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Title Deeds including the previous chain of the property documents | ✔ | ✔ | ✔ |
| Proof of no encumbrances on the property | ✔ | ✔ | ✔ |
| Approved plan if applicable | ✔ | ✔ | ✔ |
| Document | Salaried | Self Employed Professional | Self Employed Non Professional |
|---|---|---|---|
| Own Contribution Proof | ✔ | ✔ | ✔ |
| Employment Contract / Appointment Letter in case current employment is less than year old | ✔ | ||
| Last 6 months' Our Statements showing repayment of any ongoing loans | ✔ | ✔ | ✔ |
| Passport size photograph of all the applicants / co-applicants to be affixed on the Application form and signed across. | ✔ | ✔ | ✔ |
| Cheque for processing fee favouring Digital India Finance | ✔ | ✔ | ✔ |
| Business Profile | ✔ | ✔ | |
| Latest Form 26 AS | ✔ | ✔ | |
| List of Directors and Shareholders with their individual shareholding certified by a CA / CS in case of the business entity being a company | ✔ | ✔ | |
| Memorandum and Articles of Association of the Company | ✔ | ✔ | |
| Partnership deed in case of the business entity being a partnership firm | ✔ | ✔ | |
| Details of ongoing loans of the individual and the business entity including the outstanding amount, instalments, security, purpose, balance loan term, etc. | ✔ | ✔ |
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