HDFC Bank Home Loans

Table of Contents

• Highlights of HDFC Bank Home Loan
• HDFC Bank Home Loan Charges
• HDFC Bank Home Loan Interest Rates
• Eligibility Criteria for HDFC Bank Home Loan
• HDFC Bank Home Loan Types
• HDFC Bank Home Loan for NRI or PIO
• How to Apply for HDFC Bank Home Loan
• HDFC Bank Home Loan EMI Calculator
• Document Checklist for HDFC Bank Home Loan

 

Introduction

HDFC Bank is among the earliest Private Sector Banks operating since 1994. HDFC Bank’s home loan portfolio boasts Home Loans, Home Improvement Loans, Home Extension Loans, Plot Loans, Balance Transfers, and Top-up Loans. It does not matter if you are salaried or self-employed, a resident or an NRI. Suitable HDFC Bank home loans are tailored to every need of the customer.

HDFC home loans have flexible eligibility criteria and can serve various purposes covering purchase, construction, renovation, and extension. Competitive interest rates start from 6.75% per annum. These loans have repayment tenures to suit individual preferences, and convenient EMI starting at Rs.649 per lac. Moreover, the borrower is assured of a seamless experience in a digital environment supported by expert counselling and unmatched service at every step.

 

Floating Vs. Fixed Interest Rates

The fund cost for the dream house is significantly impacted by the applied interest rate based on several parameters. Currently, a Floating interest rate is a norm in all home loan products as per RBI guidelines. Moreover, the applicable rate is benchmarked to an external reference rate.

• The Floating rate is termed Adjustable in HDFC Bank benchmarked to RBI Repo Rate. The HDFC Prime Lending Rate or the Benchmark Rate (RPLR) is derived by adding a premium spread.
• The current Retail Prime Lending Rate stands at 16.05% per annum.
• The RPLR is dynamic and fluctuates according to the RBI Reference Rate with a matching rate, depending upon the upward or downward revision, as the case may be. Hence, the impact is passed on to the borrower during the loan tenure.
• However, HDFC Bank’s Tru-fixed interest rate regime is a blend of Floating and Fixed. The interest rate is fixed for the first two repayment years and converted to the variable format after that.
• Further insight into the two is not out of place at this stage:

Floating	Fixed
Fluctuates up or down depending on the benchmarking movement	Remains constant throughout the loan tenure
EMI is variable	EMI is fixed
Budgeting is difficult	Ensures Budget planning
Relatively lower rate	Comparatively higher
No prepayment penalty	Prepayment penalty applies

Highlights of HDFC Bank Home Loan

• HDFC Home Loan supports various purposes covering the purchase and construction of a residential property.
• Avail of a pre-approved loan with an in-principle sanction even before the property has been identified.
• Purchase a flat, row house, or a bungalow from privately developed approved projects.
• Purchase suitable new or existing residential property from development authorities like DDA, KMDA, etc.
• Purchase existing property in housing complexes developed by Co-operative Societies or Apartment Owner’s Association, including private homes.
• Construct a residential house on a freehold or a leasehold plot allotted by the development authority.
• Avail of an exclusive scheme for the Armed Forces personnel.
• Apart from purchase and construction, a home loan for renovation, extension, balance transfer, and top-up match competitive terms.
• Supports the Government’s subsidy linked Pradhan Mantri  Awas Yojana to fulfil the mission of “Housing for All” by 2022.
• Avail of HDFC Bank’s expert advice and technical counselling to plan for a dream house.
• Enjoy Adjustable Interest Rate starting from 6.75% per annum and women with preferential rates, depending on the amount.
• HDFC Bank home loans provide customized repayment options in convenient EMI spread over a maximum of 30 years.
• Apply using a digital platform in home and office comfort round-the-clock with assistance on the official portal or a dedicated WhatsApp number.
• Apply online and experience hassle-free documentation to comply with the application process.
• Enjoy substantial tax savings through exemptions allowed for the Principal and Interest repaid in a financial year under various sections of the Income Tax Act, 1961.

HDFC Bank Home Loan Charges

The charges for HDFC Home Loans to build, buy, extend, or renovate your house are described below. Therefore, it is prudent to ascertain the actual applicable rates from HDFC Bank before applying.

Type	Description and Rate
Processing Fee	**Salaried and Self-employed Professionals: Higher of 0.50% of the loan amount or Rs.3000 plus the applicable GST Self-employed Non-Professionals: Higher of 1.50% of the loan amount or Rs.4500 plus the applicable GST.
External Opinion	Comprises Fees payable to the Advocate for legal and Technical opinion of the valuation on an actual expense basis.
Insurance Premium	Home loan acquired residential property is insured, and the customer bears the premium.
Delayed Payment	A 24% per annum penalty is payable
Incidental Charge	Levied for recovery of default and expenses incurred
Statutory Charge	Comprises Stamp Duty, CERSAI (Central Registry of Securitization Asset Reconstruction and Security Interest of India, MOD,  etc. borne by the customer.
**The fee is valid during the period 17 May 2021 to 31 August 2021and subject to revision. It applies to all the HDFC Home Loan Schemes.
Other Charges
Cheque Dishonor	Salaried and Self-employed Professionals: Rs.200 Self-employed Non-Professionals: Rs.300
Document List	Up to Rs.500
Document Photocopy	Up to Rs.500
PDC Swap	Rs.200
Disbursement Cheque	Rs.200 (Cancellation Post Disbursement)
Loan Reappraisal	Rs.2000 (After six months from sanction date)
Loan  Term Adjustment	Rs.200 plus GST
Prepayment	Floating Rate: Nil for individuals
Conversion Charges
Switch to Lower Rate	0.50% of the outstanding principal or the residual amount capped at Rs.50000 plus GST.
Switch to Variable from Fixed	.50% of the outstanding principal or the residual amount capped at Rs.50000 plus GST.
Switch to Variable from Fixed	50% of the outstanding principal or the residual amount capped at Rs.50000 plus GST.
Switch to Trufixed from Variable	1.75% of the outstanding principal or the residual amount plus GST.

HDFC Bank Home Loan Interest Rates

HDFC Loans are available in Adjustable Interest Rate and Tru-fixed Interest Rate. While the former varies according to the external reference rate fluctuation, the latter provides a fixed interest rate for the first two years of the loan tenure. After that, the rate is converted to a floating rate for the remaining loan tenure. Thus, it is a combination of floating and fixed interest rates.

 

Standard Home Loan Interest Rates

The current Retail Prime Lending Rate is 16.05% per annum. 

Adjustable-Rate Home Loan as of 21 August 2021
Loan Slab	Category	Salaried / SEP (%)	SENP (%)
Up to Rs.30 Lac	Women	6.95 to 7.45	6.95 to 7.45
	Others	7.00 to 7.50	7.00 to 7.50
Rs.30.01 Lac to Rs.75 Lac	Women	7.20 to 7.70	7.20 to 7.70
	Others	7.25 to 7.75	7.25 to 7.75
Rs.75.01 Lac and above	Women	7.30 to 7.80	7.30 to 7.80
	Others	7.35 to 7.85	7.35 to 7.85

*SEP: Self-employed Professional

SENP: Self-employed Non-Professional

The Interest range category is spread over the customer’s Credit Score classified into the following four Grades:

I: 730 and above

II: 700 to 729

III: 650 to 699

IV: Below 650

The rate is valid for Home Loan, Home Improvement Loan, Home Extension Loan, Refinance, and Plot Loan.

 

TruFixed  Rate Home Loan – 2 Year Fixed Rate Variant as of 21 August 2021
Loan Slab	Category	Salaried / SEP (%)	SENP (%)
Up to Rs.30 Lac	Women	7.40 to 7.90	7.40 to 7.90
	Others	7.45 to 7.95	7.45 to 7.95
Rs.30.01 Lac to Rs.75 Lac	Women	7.55 to 8.05	7.55 to 8.05
	Others	7.60 to 8.10	7.60 to 8.10
Rs.75.01 Lac and above	Women	7.65 to 8.15	7.65 to 8.15
	Others	7.70 to 8.20	7.70 to 8.20

The rate is valid for Home Loan, Home Improvement Loan, Home Extension Loan, Refinance, and Plot Loan.

 

Top-up Loan as of 21 August 2021
Loan Slab	Category	Salaried / SEP (%)	SENP (%)
Existing Borrowers	Women	7.60 to 8.10	7.60 to 8.10
	Others	7.60 to 8.10	7.60 to 8.10

The Top-up Loan for Refinance/ Balance Transfer is the same as Home Loan Slabs.

 

Special Home Loan Interest Rates

The limited period Special Interest Rate offer for Women customers (Salaried and Self-employed) and others is valid from 3 May 2021 to 31 October 2021. A credit score of 730 and above and the maximum loan amount of Rs.30 Lac are mandatory. It applies to all the HDFC Bank home loan schemes. HDFC Bank appraises the customer’s risk profile based on the credit score, credit history, and segments. However, the offer is available to ARHL only, linked to the Benchmark Rate applied through the loan tenure.

The current Retail Prime Lending Rate is 16.05% per annum. 

Special Adjustable Rate Home Loan as of 21 August 2021
Loan Slab	Category	Salaried / SEP (%)	SENP (%)
Up to Rs.30 Lac	Women	6.75 to 7.25	6.75 to 7.25
	Others	6.80 to7.30	6.80 to7.30
Rs.30.01 Lac to Rs.75 Lac	Women	7.00 to 7.50	7.00 to 7.50
	Others	7.05 to 7.55	7.05 to 7.55
Rs.75.01 Lac and above	Women	7.10 to 7.60	7.10 to 7.60
	Others	7.15 to 7.65	7.15 to 7.65

SEP: Self-employed Professional

SENP: Self-employed Non-Professional

The Interest range category is spread over the customer’s Credit Score classified into the following four Grades:

I: 730 and above

II: 700 to 729

III: 650 to 699

IV: Below 650

The rate is valid for Home Loan, Home Improvement Loan, Home Extension Loan, Refinance, and Plot Loan.

Eligibility Criteria for HDFC Bank Home Loan

The eligibility criteria for HDFC Bank home loans determine the customer’s creditworthiness to avail the loan and repay without default.  The primary factors impacting the eligibility are the applicant’s age, financial status, credit history, credit score, and current liabilities, among others.

Eligibility for HDFC Bank Home Loan
Criteria	Salaried / SEP	SENP
Individual Class	Resident  and Non-Resident  Indians
Occupation	Salaried, Self-employed Professionals, Self-employed Non-Professionals
Age	21 to 65 years	21 to 65 years
Tenure	Telescopic Repayment: Maximum 30 years All Others: Maximum 20 years
Genders	All	All
Income	Minimum Rs.10000 pm	Minimum Business Income Rs.2 Lac pa
Maximum Funding	Up to Rs.30 Lac: 90% of property cost
	Rs.30.01 Lac to Rs.75 Lac:80% of property cost
	Rs.75.01 Lac and above: 75%  of property cost
Repayment  Options	Step up Repayment Facility (SURF) Flexible Loan Installment Plan (FLIP) Tranche Based EMI Accelerated Repayment  Scheme Telescopic Repayment Option

 

SEP: Self-employed Professional, which includes:

• Doctor
• Lawyer
• Chartered Accountant
• Architect
• Consultant
• Engineer
• Company Secretary, etc.

SENP: Self-employed Non-Professional

• Trader
• Commission Agent/Contractor, etc.

HDFC Bank Home Loan Types

It is already understood that HDFC Bank offers a range of home loan products for every preference and need. In other words, HDFC Bank provides Personalized Home Loan solutions.

Some of the significant reasons to choose from the vast array of HDFC Bank home loan products are: discussed in some detail for easy comprehension and insight.

 

HDFC Home Loan

The flagship homeownership product from HDFC Bank is designed for the Salaried, Self-employed Professionals and Self-employed Non-Professionals among Resident and non-Resident Indians, regardless of gender. The loan covers every homeownership facet, right from purchasing new and existing properties from various private and statutory agencies, apart from the recognized Co-operative Societies and Owners Associations. Some of the standout scheme features are:

• Individuals between the ages of 21 and 65 years can apply for the loan.
• The home loan funds up to 90% of the property value depending on the loan amount.
• Multiple repayment options are convenient to the discerning customer.
• The interest applied in the HDFC Bank home loan is based on the RPLR (Retail Prime Lending Rate), which is benchmarked to the RBI reference rate.
• Interest rate is quoted on several factors of age, amount, tenure, and credit score.
• The types of rate applied in the HDFC Bank home loan are the Adjustable Rate for Home Loan and the Tru-fixed, in a combination of the Fixed and Floating rates.
• Women borrowers pay lower preferential interest across the board regardless of the loan amount.
• The repayment tenure is a maximum of 30 years, depending on the chosen option.
• No prepayment charges are levied on floating interest home loans as per RBI guidelines.

 

HDFC Plot Loan

The loan is available if the customer owns a plot of land to design a customized residential space. The significant features of Plot Loan are:

• The loan is extended to purchase a plot through direct allotment, and that is offered for resale.
• Plot loans are eligible for a balance transfer with beneficial rates and enhanced loans.
• Attractive interest rates make the general fund cost affordable in the following table depending on the loan amount:
• The current Retail Prime Lending Rate is 16.05% per annum. 

 

Plot Loan Interest Rate
Interest Type	Salaried/ SEP (%)	SENP (%)
Special Rate	6.90 to 7.75	7.05 to 7.90
Standard	7.10 to 7.95	7.25 to 8.10
Tru-Fixed Rate	7.55 to 8.30	7.70 to 8.40

 

• Women customers, irrespective of occupation, are offered preferential interest rates.
• The loan can be availed singly or jointly where all the co-owners must be co-applicants.
• Funding up to 80% of the property value depending on the loan amount.
• Processing Charges are 1.50% of the loan amount or Rs.4500, whichever is higher.
• Loan tenure is limited to a maximum of 15 years.
• Expert technical counselling and convenient repayment options sum up the Plot Loan features.

 

HDFC Home Renovation Loan

The loan helps the homeowner to spruce up the existing property aligned with the owner’s taste. The vehicle upgrades your home into a contemporary dwelling absorbing the latest in comfort and elegance. The loan offers the following significant advantages:

• The loan is available to both the existing and new customers to undertake a gamut of upgrades, including internal and external.
• The applicable interest rates are identical to those applied in Home Loans.
• The home loan is availed either singly or jointly, but the co-applicant need not be the property’s co-owners.
• The funding amount is up to 100% of the estimated renovation for the existing customer, subject to a maximum of 90% of the property’s market value depending on the loan amount assessed by HDFC Bank.
• On the other hand, funding for the new customer is up to 90% of the renovation project cost.
• Repayment is through EMI spread over a tenure of a maximum of 15 years.

 

HDFC Home Extension Loan

The family and its needs are dynamic and grow over the years. Therefore, the customized loan is designed to fund extra space addition in the existing house to absorb the emerging needs and more. The significant features are:

• Both existing and new customers are eligible to apply for the loan.
• Home Loan interest is applied to the Home Renovation Loan also.
• Close family members are added as co-applicants and need not be co-owners of the property.
• Repayment is through convenient EMI spread over 20 years tenure.
• Funding is up to 90% of the estimated cost, depending on the loan amount.

 

HDFC Home Top-up Loan

All existing home loan borrowers are eligible for top-up loans providing additional funds without any bar on its usage. Since the home loan EMI eats up a significant part of the borrower’s monthly surplus, a top-up loan meets the deficiency for indulgence. The key loan features are:

• The loan amount is limited to a maximum of Rs.50 Lac to meet personal and professional needs.
• The loan is available for Balance Transfer customers also.
• The attractive Interest Rates described below are advantageous to the consumer.
• The current Retail Prime Lending Rate is 16.05% per annum. 

 

Top-up Loan Interest rate
Interest Type	Existing customer (%)	New customer (%)
Special Rate	7.60 to 8.10	7.05 to 7.80
Standard	8.30 to 8.80	7.25 to 8.00
Tru-Fixed Rate	8.65 to 9.15	7.70 to 8.35

* Salaried. Self-employed Professionals and Self-employed Non-Professionals

 

• A preferential interest rate is offered to women customers.
• A Top-up loan is availed after repayment of 12 EMIs without interruption.
• The repayment is spread over a maximum of 15 years.

 

HDFC Home Loan Balance Transfer

Balance Transfer from others to HDFC Bank is advantageous for its substantial savings on fund cost, added with the top-up loan incentive for additional liquidity. Some of the critical features are:

The Balance Transfer of home loans from other banks benefits the customer to avail of a top-up loan up to Rs.50 Lac.

• The transfer procedure is transparent without any hidden charges.
• Applicable interest is the same as the Home Loan.
• Women borrowers are applied with preferential interest rates.
• Co-applicants need not be co-owners of the property.
• The loan funds up to 90% of the property value depending on the amount.
• Multiple repayment options provide tenure up to 30 years, depending on the customer’s age.

 

HDFC Rural Home Loan

HDFC Rural Housing Finance targets the aspiring homeowners of a dream house in rural and urban India. Agriculturists, dairy farmers, planters, horticulturists, and the self-employed are the potential beneficiaries. They can look forward to:

• Purchase a new, existing, or under-construction residential property.
• Construct a customized dwelling space in a freehold or leasehold residential plot.
• Avail of a home loan for renovation or extension and repaid in 20 years tenure.
• Individuals between the ages of 21 and 65 years are eligible to apply for the loan.
• Agriculturists need not mortgage their agricultural land for the loan.
• Attractive interest rates with preferential rates for the woman customer in Standard and Tru-fixed patterns, depending on the loan amount.
• The current Retail Prime Lending Rate is 16.05% per annum. 

 

Rural Home Loan Interest rate
Interest Type	Rate per annum (%)
Special Rate	Nil
Standard	6.95 to 8.70
Tru-Fixed Rate	7.45 to 8.75

*Discounted rate for women

 

• The loan funds up to 90% of the property value depending on the loan amount.
• Agricultural applicants are not required to submit ITR as income proof.

 

HDFC Reach Home Loans

Reach Home Loan is designed exclusively for micro-entrepreneurs and salaried individuals lacking adequate income proof to apply for funds to acquire a dream house of their own. The scheme primarily benefits marginal businesspeople, skilled professionals, and artisans.

HDFC Bank applies a unique appraisal methodology to facilitate home loans to the targeted clientele. The applicant can additionally apply for the subsidy under the PMAY scheme up to Rs.2.67 Lac to mitigate the overall financial outgo. Some of the critical features of the loan are:

• The Reach Home Loan supports all the purposes of the flagship HDFC Bank Home Loan, including balance transfer from other banks.
• The minimum income criterion for the salaried is Rs.10000 per month and Rs.2 Lac per annum for the Self-employed.
• Doorstep assistance and expert guidance to sail through the application process sum up the loan’s redeeming features.
• The interest rates applicable to the Reach Home Loan are dependent on the loan amount and are described below.
• The current Retail Prime Lending Rate is 16.05% per annum. 

 

Reach Home Loan Interest Rate (Tru-fixed – 3 Year Variant)
Loan Type	Amount Slab	Rate per annum (%)
Home Loan, Renovation, Extension	Any amount	8.75 to 14.00
Plot Loan, Top-up Loan	Any amount	9.25 to14.50
Non-residential   Property	Any amount	9.75 to 15.00

 

• The loan is availed either singly or jointly. All co-owners must be co-applicants in the Reach Home Loan.
• The loan funds up to 80% of the residential home loan’s property cost, while 60% for non-residential home loans.
• Loan tenure up to 30 years for Home Loan, Extension, and Refinance, while it is 15 years for the others.

Fees/ Charges applied to Reach Home Loan:

• Processing Charges: Up to 2% of the loan amount for the Salaried and the Self-employed.
• External Opinion Fee: Payable on actual to the Lawyer and the Valuer for services provided.
• Property Insurance: It is borne by the customer.
• Cheque Dishonor: Rs.300
• Document List: Up to Rs.500
• Document Photocopy: Up to Rs.500
• PDC Swap: Rs.500
• Reappraisal: Rs.3000 plus the applicable GST.

HDFC Bank Home Loan for NRI or PIO

NRI are Indian citizens living abroad for the primary reasons of occupation. Therefore, HDFC Bank offers them the entire home loan portfolio comprising Home Loan, Home Extension, Home Improvement, Plot Loan, and Balance Transfer. HDFC Bank has classified the home loan application based on the NRI’s location in the Middle East, United Kingdom, Singapore, and, finally, Other Countries.

 

Eligibility for NRI HDFC Bank Home Loans
Parameter	Description
Age	18 to 60 years
Occupation	Salaried,  including Merchant Navy, Self-employed
Gender	All
Purpose	Purchase, Construct, Renovation, Extension, and Balance Transfer
Tenure	Maximum of 20 years
Repayment	Tranche Based EMI
Processing Fee	Salaried: The higher of 1.25% of the loan amount or Rs.3000 plus GST Self-employed:  The higher of 1.25% of the loan amount or Rs.4500 plus GST
LTV	Up to Rs.30 Lac	90%
	Rs.30.01 to Rs.75 Lac	80%
	Rs.75.01 Lac and above	75%

 

The interest rates applied in the NRI Home Loan are on identical lines as the resident borrower providing Adjustable and Tru-fixed Interest Rates, linked to their RPLR.

 

The current Retail Prime Lending Rate is 16.05% per annum. 

NRI Home Loan  Interest Rate based on the amount
Interest Type	Salaried/ SEP (%)	SENP (%)
Special Rate	6.80 to 7.65	6.95 to 7.80
Standard	7.00 to 7.85	7.15 to 8.00
Tru-Fixed Rate	7.45 to 8.20	7.60 to 8.35

It is imperative to remember that the NRI is not permitted to invest in Agricultural land or Plantations according to The FEMA Regulations 2018 until granted a special waiver by the RBI.

How to Apply for HDFC Bank Home Loan

Applying online at the bank’s official portal is the most convenient method for aspiring homeowners. A step-by-step guide is detailed below.

1. Visit the HDFC Bank official portal, invoke the “Apply for Home Loan” button and check “Eligibility” as prompted.
2. Select the type of intended home loan in the “Basic Information” tab.
3. Tick on the “Yes” box if the property is shortlisted and provide its location and estimated value details. Else, tick “No” and enter the personal and co-applicant information.
4. Select the residential status under the “Applicants” tab and enter the location details.
5. The loan products are displayed In the following “Offers” tab and the eligibility, EMI, tenure, and interest rates are displayed, along with personal details already entered. Next, fill up the residual missing fields.
6. Upload the requisite documents and pay the fees payable upfront.
7. The application process is completed by clicking on the “Submit” button.

HDFC Bank Home Loan EMI Calculator

The home loan EMI Calculator at the HDFC Bank portal is a handy online tool that helps  understand the monthly repayment obligation clearly. The salient features of the calculator’s outcome are:

• The EMI Calculator computes the outcome using amount, tenure, and the applicable interest rate.
• Rs.649 as EMI per Lac loan is among the lowest in the market.
• Using the EMI Calculator before applying for the home loan makes sense.
• The following grid indicates the EMI for different amounts and tenures using 6.75% as the interest rate.

 

Loan Amount (Rs)	10 Years (Rs)	20 Years (Rs)	30 Years (Rs)
10 Lac	11482	7604	6486
20 Lac	22965	15207	12972
30 Lac	34447	22811	19458
50 Lac	57412	38018	32430

Document Checklist for HDFC Bank Home Loan

Documentation is a significant home loan feature, and its flawless submission reciprocates in a swift approval and disbursal.

 

Salaried Individuals

KYC Documents:

• Identity Proof
• Residence address proof
• Age Proof

Income Proof:

• Previous three months salary slips
• Previous six months Bank statement containing salary credits.
• Latest ITR and Form 16

Property Documents:

• New Home:
  • Allotment Letter/ Buyer Agreement
  • Payment Receipts from the Developer.
• Resale Home:
  • Title Deeds, including past chain
  • Receipt of Initial Payment
  • Sale Agreement
• Construction:
  • Plot Title Deed
  • No Encumbrance Certificate
  • Approved Plan from the Local Authorities
  • Estimate of Construction from an Architect / Engineer

Other Documents:

• Proof of Self Contribution
• A Cheque for Processing Fee
• Signed Application Form
• Photographs of all the applicants

 

Self-employed Individuals:

KYC Documents:

• Identity Proof
• Residence address proof
• Age Proof

Income Proof:

• Previous three Assessment Year’s ITR for Individual and Business attested by a CA
• Previous three years Balance sheet and P&L Account Statement with Annexures and schedules attested by a CA
• Previous six months Bank account statement of the Individual and Business

Property Documents:

• New Home:
  • Allotment Letter/ Buyer Agreement
  • Payment Receipts from the Developer.
• Resale Home:
  • Title Deeds, including past chain
  • Receipt of Initial Payment
  • Sale Agreement
• Construction:
  • Plot Title Deed
  • No Encumbrance Certificate
  • Approved Plan from the Local Authorities
  • Estimate of Construction from an Architect / Engineer

 Other Documents:

•  Proof of Self Contribution
•  A Cheque for Processing Fee
•  Signed Application Form
•  Photographs of all the applicants
•  Latest Form 26 AS
•  Details of current liabilities of the Individual and Business
•  Partnership Deed for a Partnership Firm and MOA of Company
•  List of Directors and Shareholders, including the pattern of the Business entity attested by a CA or CS