Documents, explained
The documents banks, lenders and government schemes ask for: what each one is, who can get it, how to apply, what it costs and how to keep it safe.
Aadhaar CardA 12-digit unique identity number based on your biometrics, widely used as the primary identity and address proof in India.Permanent Account Number CardA unique 10-character alphanumeric ID essential for paying taxes, opening bank accounts, and making large transactions.Form 60A declaration form used instead of a PAN card for opening bank accounts and making large financial transactions.Indian PassportA supreme identity, address, and citizenship proof for banking, forex, and NRI services.Driving LicenceAn official document permitting you to drive, widely accepted as a valid identity and address proof by banks.Voter ID CardA mandatory identity document for voting in India that also serves as a universally accepted KYC proof.Passport-size PhotographA recent color photograph of your face used by banks and institutions to visually identify you.Bank StatementA detailed record of your bank account transactions, used by lenders to check your income, spending habits, and repayment capacity.Salary SlipA monthly document from your employer showing your earnings and deductions, crucial for getting loans and credit cards.Form 16A certificate from your employer showing your salary and the tax deducted (TDS) from it.Income Tax Return (ITR) AcknowledgementA formal receipt from the government confirming you have filed your income tax return for the year.Utility Bill (address proof)A recent bill for essential home services, widely accepted by banks to prove where you currently live.