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state bank of patiala loan against property - Services and Solutions

state bank of patiala offers loan against property to individuals so that they can fulfil their dream and get personalized solutions and services. state bank of patiala offers Home Loan suitable to a wide class of individuals.


Income Documents

  • Salaried: Latest 3 years Payslip, 6 months Salary account bank statement &, Latest year Form 16.
  • Self-employed: Latest 2 years ITR, Financial Documents (P & L account, Balance Sheet, Schedules to Balance Sheet & Tax Audit report) & 6 months Company primary Current account statement
  • Your current obligations i.e. the other installments (EMIs) you are currently paying, the number of credit cards and credit limits you have or use

KYC Documents

  • Pan Card, Secondary ID Proof (DL, Adhaar card, Voter's ID) & Passport size photo

Proof of Employment/Business Continuity

  • Salaried: Form 16 or Appointment letter, dated 2 years or earlier period
  • Self-employed: ITR or Sales/Service Tax registration certificate, dated 2 years or earlier period

Property Documents (In case of HL/LAP)

  • Under construction property - Allotment letter, Proof of booking amount paid and Payment schedule
  • Ready Property - Sale Deed, Parent Documents, Property tax paid certificate (Latest), Khatha (7/11 extract) and Latest EC
  • Plot & Self-construction - Sale Deed, Parent Documents, Khatha (7/11 extract) and Latest EC


  • Minimum 2 years of work experience; in case of self-employed, minimum 2 years of business continuity
  • Minimum age of 21 years and maximum age for 60 years (loan completion age)
  • Minimum take home income of Rs.25000/- per month
  • Co-applicant applicable in case of HL & LAP, Spouse/Parents/Childre

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