Customer Details

Customer Profile*
Please click on Show Checklist tab post selection of required filters
Please click on each category below to view the checkpoints

Output

Application Form

Checkpoints Digital/ Physical/ Both
If KYC documents are required while filling the details in the journey then Live/close up or passport size photo to be uploaded Both
Please enter Name as per "Proof of Identity" list and mention Date of Birth (DOB) as per "Proof of DOB" list Both
All the property owners to be added in the loan application journey Both
Login fee to be paid during the journey. Balance PF can be paid digitally or by cheque before receipt of Sanction letter Both
Login fee paid is Non-refundable Both

PAN

Checkpoints Digital/ Physical/ Both
Name mentioned on PAN should match with Proof of Identity document Both
If PAN card is not available then Form 60 to be uploaded Both
For NRI:   PAN is Mandatory Document
For OCI:   If PAN is not available then Upload Form 60 		Both
PAN card copy cannot be considered as Proof of Identity Physical

Proof of Identity (KYC document)

Checkpoints Digital/ Physical/ Both
ID Proof: - Valid Passport copy
If Indian Passport: Front, back & latest stamping page (blank pages not required)
If Overseas Passport: Front & back pages (stamping & blank pages not required)
 Digital
NRI Status Proof :-
For NRI: Valid work visa/Residence Permit/Permanent Citizenship card
For OCI : OCI card (front & back page) or OCI Declaration		 Physical

Proof of Identity (KYC document)

Checkpoints Digital/ Physical/ Both
Any one of the below Officially Valid document (OVD) KYC documents to be uploaded as "Proof of Identity". Ensure all pages are uploaded.
  1. Aadhaar Card
  2. Valid Passport
  3. Voter ID
  4. Valid Driving License
 Digital
Full name of all Applicants to be mentioned in the journey as per Proof of Identity document Physical
Upload all the pages of the Proof of Identity document in respective tab only Both
Please ensure that the Proof of Identity document is not expired Both

Proof of Address (KYC document)

Checkpoints Digital/ Physical/ Both
Basis any one of the below options "Proof of Address (Current/Communication)" can be submitted:
  1. Submission of document as per Officially Valid Document (OVD) list
  2. Submission of document as per Deemed Officially Valid Document (Deemed OVD) list with declaration
  3. Video KYC
  4. Submission of document as per Additional Document List
  5. KYC through Biometric
 Digital
Any one of the below OVD documents to be uploaded as "Proof of Address (Current/Communication)":
  1. Aadhaar Card
  2. Valid Passport
  3. Voter ID
  4. Valid Driving License
 Digital
Any one of the below Deemed OVD documents to be uploaded as "Proof of Address (Current/Communication)" in the absence of OVD document:
  1. Utility Bill not older than 2 months from the date of login (electricity bill, telephone bill, post-paid mobile bill, piped gas bill, water bill)
  2. Property Tax Bill or Muncipal Tax Receipt not older than one year from the date of login
  3. Letter of allotment for accomodation from employer. Employer can be State Govt. or Central Govt. departments, Statutory or Regulatory bodies, Public sector undertakings, Scheduled Commercial Banks, Financial Institutions and Listed Companies
  4. Leave and Licence agreement (Rent agreement) where the agreement is done with the employer. Employer can be State Govt. or Central Govt. departments, Statutory or Regulatory bodies, Public sector undertakings, Scheduled Commercial Banks, Financial Institutions and Listed Companies
  5. Pension or Family pension payment orders issued to retired employees by Govt. departments or Public sector undertakings
Note:
  1. Deemed OVD to be in the name of the Applicant/Co-applicant for whom same is being uploaded
  2. Declaration also to be uploaded where Applicant/Co-applicant declares to update the OVD with current address within 3 months of Loan Application and submits the same to the Bank
 Physical
If Address Proof as per OVD is not available then with the help of your Relationship Manager you can opt for Video KYC or Biometric KYC option:
  1. Aadhaar card copy is to be uploaded mandatorily wherein Name, DOB and Address (Permanent) should match with the details mentioned in the journey
  2. If the KYC is done through Video KYC/Biometric KYC then seperate Current/Communication address proof is not required. Current/Communication captured during the journey will be updated in the system
 Both
Permanent Address proof is not mandatory. Communication/Current Address proof is only required which should match with the Cummunication/Current Address mentioned during the journey Both
Address proof from blood relative is not acceptable Both
Upload all the pages of the Proof of Address document in respective tab only Both
Ensure Proof of Address document is not expired Both
If address mentioned on KYC is of permanent address then KYC of communication address will be required Both

Address Proof (Overseas, Communication & Permanent)

Checkpoints Digital/ Physical/ Both
Communication Address proof (Indian):
Any one document from OVD list:
  1. Indian Passport
  2. Driving license
  3. Aadhar card
  4. Voter's Identity Card issued by the Election Commission of India
  5. Job card issued by NREGA duly signed by an officer of the State Government
  6. Letter issued by the National Population Register
 Digital
Overseas Address proof:

Any one document from OVD list:
  1. Driving License
  2. Passport
  3. OCI Card and Foreign Passport
OVD address proof is required either for Indian or overseas address (any one), based on which address is selected for communication by the customer. 		Digital
Permanent Address Proof:

Any one document from OVD list:
  1. Indian Passport
  2. Overseas passport with OCI card (Address to be captured as per OCI card)
  3. Driving license
  4. Aadhar card
  5. Voter's Identity Card issued by the Election Commission of India
  6. Job card issued by NREGA duly signed by an officer of the State Government
  7. Letter issued by the National Population Register
Note :Merchant Navy: Overseas address proof is not required. Indian address proof is mandatory. 		Digital

Additional Documents in the absence of OVD and Deemed OVD

Checkpoints Digital/ Physical/ Both
List of Additional documents that can be submitted in the absence of OVD and Deemed OVD:
  1. Bank account of Overseas or India bank (not more than 3 month old and at least one customer induced transaction in last 90 days)
  2. Address proof not available in the customer name - In case of Indian/ overseas address not available in the applicant's name, relationship proof along with a close relative declaration/ e-mail confirmation or consent from the relative needs to be obtained. The format for capturing the declaration is available as Annexure NA 1 - Close Relative Declaration
  3. Credit Union Statement (Not more than 3 months) with one customer induced transaction in 90 days - for USA and Canada only
  4. Letter issued by Employer (Only for GCC countries) stating the address updated in the employer records
  5. Registered Purchase/Sale Deed
  6. National Address of Saudi Arabia (only for Saudi Arabia) List of Additional Overseas Address Proof Only Applicable for USA, UK, Canada, Singapore, Australia, and specific countries in Middle East* and Europe#
  7. Rent agreement registered/ notarized by relevant authority in the overseas jurisdiction
  8. Home Loan or Mortgage statement not older than 90 days issued by a Bank/ NBFC in the overseas geography
  9. Letter from the employer confirming the address / Letter of accommodation confirming the address - Only applicable where ICICI Bank has relationship with such employer/corporate.
  10. One-month Credit Card statement with minimum one customer induced debit or credit transaction and should be issued within last 2 months - Applicable only for select bank , list of bank available at
    http://mywiseguy.icicibankltd.com/wg/asp/index.asp?hdnwg=istandardcontlist&brType=2&classid=29&subclassid=312
    *Middle East: UAE, Saudi Arabia, Qatar, Kuwait, Oman, Bahrain, Nigeria, South Africa, Israel, Zambia, Algeria, Egypt, Kenya, Mozambique, Tanzania, Ethiopia.
    #Europe: United Kingdom, Germany, Netherlands, Ireland, Sweden, Italy, France, Belgium, Austria, Denmark, Norway, Switzerland, Spain, Poland, Portugal, Finland, Greece, Luxembourg.
Digital

Date of Birth (DOB) Proof

Checkpoints Digital/ Physical/ Both
Any one of the below documents to be uploaded as DOB Proof:
  1. PAN card
  2. Aadhaar Card
  3. Passport
  4. Voter ID
  5. Driving License
  6. Life Insurance Policy
  7. Birth Certificate
  8. School Leaving Certificate (10th or 12th class)
  9. Domicile Certificate
  10. Employee ID of PSU/Govt. employees
 Both
In case DOB is different on KYC/Pan card then declaration in Bank format is required and the same to be uploaded in the journey under KYC document tab Both
If DOB mentioned on KYC contains only year then upload other valid DOB proof from the document list Both

Relationship Proof between Applicant and Co-applicant

Checkpoints Digital/ Physical/ Both
Any one of the below documents to be uploaded as Relationship Proof where Applicant and Co-applicant are relatives:
  1. Any one of the document from the OVD list
  2. Pension Payment Order/Passbook/Card issued by Government
  3. Defence Dependent Card/Discharged Book issued by any Defence authority
  4. Letter/Certificate/Caste Certificate on letter head or under office Seal / Domicile Certificate containing Name/Communication Address/Date of Birth/Photograph issued by any Village/Government Authority
  5. Senior Citizen Card issued by any Government
  6. Any Certificate whether Bonafide/Leaving/Transfer/Mark Sheet/Passing issued by any State Board/University/School or College authorities containing name of the child, Date of Birth and guardian name
  7. Ration card with or without photograph issued by Ration Authority
  8. Birth Certificate issued by Municipal or Village Authority or Nursing Home containing name of child, Date of Birth and Guardian name
  9. Marriage Certificate issued by any Government Authority
  10. Valid LIC policy with last premium payment receipt
 Both
Relationship proof of Applicant and Co-applicant is required where both Applicant and Co-applicant are individuals. This relationship proof cannot be used as Address Proof Both

Office Address details/Office Address Proof

Checkpoints Digital/ Physical/ Both
Ensure complete office address is mentioned in the journey Both
If address is incomplete in the journey then Office Address will be considered basis Salary certificate/Form 16/ Salary slip Both
No separate office address proof is required to be uploaded Both
Any of the below can be considered as Valid Office Address Proof/Entity Proof:
  1. GST Certificate
  2. Business Registration Certificate
  3. Gumastaa
  4. Udhyam Registration Certificate
  5. Bank statement (not to be considered for entitiy proof)
  6. Utility Bill
  7. ITR
 Both

Income documents

Checkpoints Digital/ Physical/ Both
Salary Slip
  1. One salary slip to be collected for any of the three preceding months, from the month of login
 Both
Following Documents to be collected:
  1. Latest 2 years ITR for HL and Non HL (3 years for LAP product only) with financials and computation of income for the individual applicants and co-applicants
  2. Latest 2 years (3 years for LAP product only) Profit & Loss
  3. Balance sheet with Schedules certified by CA (In case of Return filed under Section 44AD, 44AE, 44AF Balance sheet is not required)
  4. Tax Audit Reports, if applicable
  5. Copy of Advance Tax Challans
  6. For Loans above 5 Crores having Entities as Applicant/Co-applicant, Legal Entity Identifier (LEI) number is required
  7. CA attestation and UDIN is required only for Audited Financial Statements
  8. Latest GST Return/Sales Tax/VAT/Service Tax Return to be collected for loan amount greater than Rs.3 crores including Revised return if applicable.
  9. GST returns - In case the loan application is made after closure of financial year (april onwards), GST returns or Form 26AS and provisional P&L and Balance Sheet to be collected for last available financial year
  10. Form 26AS is not required where GST is not applicable or no TDS is deducted
  11. Business profile must be provided on the letter head (Not Required for Loan upto 50 lakh)
 Both

Income documents

Checkpoints Digital/ Physical/ Both
Salaried:

Salary slip
  1. For Salary Funded customer (customer having Salary account with ICICI Bank), no salary slip is to be collected.
  2. For other salaried customer, Complete one month salary slip to be uploaded for any of the three preceding months*
 Both
For e.g if the file is getting logged in on 23rd of June then team can submit any one month salary slip of either Mar, April, May or June
Note: If the pay period is 30 days then only 1 slip to be uploaded, If the pay period is 15 days then 2 slips and If the pay period is 7days then 4 slips to be uploaded.
For Salaried:

Salaried: Last 3 months Bank statement for Non ICICI Bank Account Holders where Salary is getting credited
A. If case is logged in between 1st to 15th of the current month, then Bank Statement reflecting the salary credit of the previous to previous month can be submitted.

For Example
  1. If case is logged in between 1st to 15th Oct and salary credit is reflecting in Bank Statement as on 31st August then bank statement till 31st August can be submitted.
  2. If case is logged in between 1st to 15th Oct and salary credit is reflecting in Bank Statement as on 10th September then Bank Statement till 10th September can be submitted

B. I If case is logged in between 16th to 30/31st of the current month, then Bank Statement reflecting the salary credit of the previous month can be submitted.

For Example
  1. If case is logged in between 16th to 31st Oct and salary credit is reflecting in Bank Statement as on 30th September then Bank Statement till 30th September can be submitted.
  2. If case is logged in between 16th to 31st Oct and salary credit is reflecting in Bank Statement as on 10th October then Bank Statement till 10th October can be submitted

Self-employed:

Income Proof:
  • Latest 2 Year audited / CA certified / CPA compiled/ reviewed P&L accounts & balance sheet (along with schedule).
  • Latest 2 Year IT returns & computation of Income (Refer country specific tax form list. Not applicable for countries with no income tax)
  • Business Profile on Business letter head - (Required only for Loan amount >75Mn)
  • Office Address Proof
  • Copy of Incorporation of business(Equivalent to memorandum of association and article of association)
  • Latest 6 months overseas operative bank statements

If customer is director in his own company then below additional documents need to be submitted of Company
  • Company registration certificate
  • Latest 2 Year audited/CA certified /CPA compiled/reviewed P&L accounts & Balance sheet (along with schedule)
  • Latest 2 Year IT returns & computation of Income (Refer country specific tax form list)
  • Business Profile on company letter head- (Required only for Loan amount >75Mn)
  • List of director and shareholding pattern
  • Latest 6 months overseas operative bank statements
 Both
Note: For SENP NRIs, income booked in India can be considered for underwriting. For this, Income documents to be collected as per resident Indian self-employed.

Bank Statement

Checkpoints Digital/ Physical/ Both
Latest 3 months Overseas salary account Bank statement required for non ICICI Bank account customers. Both
Last 6 months Bank statement of all Operative (i.e Active) Business Accounts to be uploaded Both
Self attestation on Bank statement is not required Both
Screenshot of Bank Statement is not allowed to be uploaded Both
Latest 3 months Bank statement is required Both

Additional checkpoints for NRI

Checkpoints Digital/ Physical/ Both
Valid Passport and Valid Visa, PAN Card/Form 60 to be mandatorily uploaded
Note: Visa is not applicable for NRI holding permanent residency status in that country 		Both
Clear copy of self attested valid address proof permanent, current (Overseas address) to be uploaded Both
For Gulf countries, Work Permit/ Labour Card is required to be uploaded Both
Valid Permanent Address proof should match with OVD Both
If app form signed by GPA/POA then self attested KYC should come for GPA/POA, GPA (If the application is signed by NRI applicant/s, GPA can be collected at the time of Disbursement) Both
If App form is signed by GPA/POA then self attestation of customer not required on KYC. Original KYC scan copy to be provided from registered email id of customer.
If POA details are mentioned on the app form (digital and physical), KYC and POA can be collected at the time of disbursement 		Both
Credit Report Mandatory for below countries
(Hong Kong, UAE, US, UK, Singapore, Kuwait, Saudi Arabia, Qatar, Malaysia, Canada, Australia, New Zealand, Ireland, Oman, and South Africa)

Note:
  1. For Passport only First and Last page is required
  2. Credit report may be accepted in PDF if same is shared through E-mail id mentioned in application form
 Both