Loan comparison of CitiBank Personal Loan vs ICICI Bank Personal Loan

For Salaried Individuals and Self-employed Individuals, the basic docs are: 

* PAN Card/Aadhaar Card/Driving License/Voter’s ID/Passport/Photographs 

* Utility bills from the past 3 months/Ration card/Rent agreement or lease deed or property registration document

* Bank account statement for the past 3 months 

* Latest income tax returns 

* School or College Leaving Certificate/Company ID 

* Letter from employer/Form 16/payslips 

Additional docs required for Self-employed Individuals are: 

* Trade License with photograph 

* Rent receipts or lease deed

* Ownership document 

* Profit and Loss account

* Past 2 years Income tax returns

* Balance sheet

* Bank statement for the past 6 months

* Audit report

For salaried employees:

Identity proof: Passport, driving licence, PAN card and/or voter’s ID card

Address proof: Latest utility bill, Leave and Licence Agreement and/or passport

Last three months’ salary slips and bank statements

Two passport-size photographs.

For self-employed individuals:

KYC documents: Identity proof, residence proof and date of birth proof

Address proof: Latest utility bill, passport and Leave and Licence Agreement

Income proof (that includes audited books for the last two years)

Last six months’ bank statements

Last two years’ audited financials

Office address proof

Proof of office or residence ownership

Proof of business continuity