Completed application form with annexure

Last two years’ audited financial statements with auditor and director’s report

(Latest provisional results signed by the directors / partners / proprietor for previous financial year if audited statements are not available, up to seven months of year ending)

Financial projections for the total tenure of term loan, including calculation of DSCR (if any)

Last two years’ income tax returns and sales tax (or VAT) returns, including latest completed financial year

Copy of the sanction letter of the existing bank (or bank statement reflecting the Limit or CA certificate confirming the existing borrowings)

Bank statement of all bank accounts for last six months and any past repayment track records (loan statements) of the establishment and its promoters

Shareholding pattern, memorandum of association, articles of association (for limited or private limited company)

Partnership deed (for partnership firm)

External rating (by CRISIL, ICRA or CARE)

Copy of property documents of the properties to be mortgaged

Copy of latest telephone bills/ electricity bills for address confirmation (for merchant businesses that are non-HDFC Bank customers)

Certificate under Shop and Establishment Act or Government Registration Document (for merchant businesses that are non-HDFC Bank customers)

All documents to be self attested by applicant