Index

1 Standard checkpoints for all

2 Checkpoints specific to High Value Cases
3 Mortgage specific checkpoints
4 Auto specific checkpoints
5 TW specific checkpoints
6 PL-BIL specific checkpoints
7 EL specific checkpoints
8 Common Document List
9 Schedule I

Unified Login Checklist_V3_010423

Digital/ Login
Particulars Checkpoints
Physical/ Both Checkpoint

All fields in the physical application form / Digital journey to be filled completely for Applicant/Co-applicant Both Y

Across signature should be affixed on the photo in application form. Customer signature should be available in box beside photo & all other Physical Y
places wherever applicable.
Note: Counter signature of customer required wherever there is cancellation/alteration in Application form

For physical cases, recent Color Photograph of Applicant/Co-applicant to be affixed on Application form Both Y
For digital cases, live/close up or passport size color photo to be uploaded
Note: For digital cases, no photo required to be uploaded where KYC is not due/not required

Vernacular declaration to be taken if: Physical Y

1. Signature is in any language other than English
Application Form 2. Thumb Impression provided. For scenario where, Thumb impression is provided, impression should be clearly visible and two witness
signatures should be available.

If customer has an existing ICICI Bank account, mention the ICICI Bank account number on the application form. In all such cases ICICI Physical Y
bank statement is not required as the transaction details will be fetched from iLens/APS.

In case the applicant/ co-applicant single name is mentioned in the application form, team to ensure and collect two OVD documents Both Y
containing single name .
Deviation: If customer does not have 2nd OVD.
Please seek declaration from customer that he / she has single name which is mentioned on the OVD and he / she does not have any other
OVD document. Basis declaration from customer case can be processed. No need to seek separate approval.

Self attestation is required on all documents of Applicant/Co-applicant Physical Y

Self-attestation Note: NFA approval matrix in policy to be referred for deviation on self-attestation on Income documents

1.Permanent Account Number (PAN) should be mentioned for all Applicant & Co-applicant Both Y
2.If PAN is not available then Form 60 required to be collected for all the Individuals
2a. PAN is mandatory in PL / BIL, else file not to be logged in.
3.PAN card copy is not to be considered as KYC document (Not part of Proof of Identity)
4. PAN card 4th letter should be aligned with constitution as mentioned below:
For Individual including Sole Proprietor - PAN card or Form 60
For Hindu Undivided Family (HUF) - PAN card of HUF and PAN card/Form 60 of Karta
For Private/Public Limited Companies - PAN card of Entity
For Limited Liability Partnerships/Partnership firms - PAN card of Firm
For Trust/Society - PAN card of Trust/Society
5. In case Form 60 is ticked- dully filled and signed form 60 mandatorily collected and team to ensure ,PAN acknowledgement number should
PAN be available and need to be captured wherein the Non-agricultural Income mentioned on Form 60 is above Rs.250000

OSV on PAN of Individuals is not required if name mentioned in the App form/Digital journey matches with the OVD document Both Y

OSV on PAN of Non-Individuals is Mandatory Both Y

Wherever KYC document is not due/not required AS PER ONE KYC FLAG , PAN card copy is not required to be submitted/uploaded Both Y

"Proof of Identity" to be collected as per the Document list as mentioned in KYC cir no 15436 Both Y
Original Seen and Verified (OSV), Stamp & Signature to be done only by Bank Employee and the same can be done at the time of Login or Both Y
Prior to LAN generation.
Note: Ops not to reject the case if OSV is not available
EL: OSV on KYC has to be done before sanctioning the case in system

Name in the Application form/Digital Journey to be as per Proof of Identity and should not contain name as alias / Aka / urf Both Y

If Name & DOB mentioned in the Application form/Digital Journey is incomplete/slightly mismatch from the Proof of Identity then BDE is Both Y
to be done basis Proof of Identity

Declaration to be taken in case of Name & DOB mismatch Both Y

For Digital journey: Digital Y
1.Ensure KYC documents are uploaded in the respective tabs
2.Ensure all the pages of KYC document are uploaded
3.Ensure expired KYC documents are not uploaded
4.One KYC declaration not required if KYC is not due as per KYC flag in the journey

Proof of Identity
(KYC document) For digital cases logged in Digital Y
( a) through I-LENS:
Please refer annexure to the application form uploaded in i-lens. KYC document for current address is not required to be collected from
customer, if the KYC flag is marked as " Waived " under KYC document tab of KYC section.
(b) through MCAS :
KYC document is not required for those documents where mandatory tab under Document Info is "N" in RCAS.

For physical login cases : Physical

For existing customer if KYC is not due as per iView then One KYC declaration to be collected. Ensure declaration is completely filled,
signed and stamped by respective Branch/RM/Credit employee and ensure One KYC is mentioned on the top of App form
In case the account is a joint account, One KYC declaration would be applicable only for applicant and KYC will be required to be collected
for Co-applicant who is also the joint account holder
Note:
1. Login desk to refer One KYC declaration
2. Login desk/Vendor to refer Application form for PAN number and other KYC details where One KYC declaration is provided
 Both Y
"Proof of Address" to be collected as per the Document list as mentioned in KYC cir no 15436.
Proof should not contain name as alias/ AKA/ Urf
Original Seen and Verified (OSV), Stamp & Signature to be done only by Bank Employee and the same can be done at the time of Login or Both Y
Prior to LAN generation.
Note:
1. Ops not to reject the case if OSV is not available
2. OSV to be done on Permanent Address proof, if submitted
3. OSV for Non-Individual is mandatory on all KYC documents which includes document submitted as Entity proof
EL: OSV on KYC documents has to be done before case sanction in system

Permanent Address proof is not mandatory. Communication/Current Address proof is only required which should match with the Both Y
Communication/Current Address mentioned on the Application form/Digital journey

Both Y

Deemed OVD can be taken as per the document list along with declaration in case current /communication address mentioned on the
application form is not matching with OVD
Note: Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel
Validity of the Utility bill submitted as Deemed OVD will be checked at the time of first login Both Y
Note: Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel

Deemed OVD should be in the name of the Applicant/Co-applicant Both Y

Note:
1. Customer has to provide declaration to update OVD with current address and submit proof within 3 months
2. Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel

For digital cases logged in Digital Y

( a) through I-LENS:
Please refer annexure to the application form uploaded in i-lens. KYC document for current address is not required to be collected from
customer, if the KYC flag is marked as " Waived " under KYC document tab of KYC section.
(b) through MCAS :
KYC document is not required for those documents where mandatory tab under Document Info is " N " in RCAS.

For Digital journey: Digital Y

1.Ensure KYC documents are uploaded in the respective tabs
2.Ensure all the pages of KYC document are uploaded
3.Ensure expired KYC documents are not uploaded
4.Ensure Address mentioned during the journey matches with the Address mentioned on the KYC documents
5.One KYC declaration not required if KYC is not due as per KYC flag in the journey

Proof of Address
(KYC document) For physical login cases : Physical
For existing customer if KYC is not due as per iView then One KYC declaration to be collected. Ensure declaration is completely filled,
signed and stamped by respective Branch/RM/Credit employee and ensure One KYC is mentioned on the top of App form
In case the account is a joint account, One KYC declaration would be applicable only for applicant and KYC will be required to be collected
for Co-applicant who is also the joint account holder
Note: Login desk/Vendor to refer One KYC declaration and Application form for PAN number and other KYC details.

If Video KYC/Biometric KYC is opted, then Aadhaar card copy is to be collected mandatorily wherein Name, DOB and Address (Permanent) Both Y
should match with the Application form
Note:
1. Under digital journey, please mention Video KYC/Biometric KYC for Applicant or for Co-applicant separately, if applicable under
remarks section and for physical journey on the top of the Application form, if applicable
2. If DOB does not match then Dual DOB declaration to be taken

PDF of Video KYC/Biometric KYC will be pushed in Omnidocs once customer completes eKYC and the check related to the same will be Both Y
done before LAN generation.
Note:
1. For Video KYC/Biometric KYC rejected cases, ensure KYC documents as per OVD/Deemed OVD are submitted
2. Separate OSV is not required on Aadhaar and team can proceed basis PDF generated for Video KYC/Biometric KYC
3. Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel

If Video KYC or Bio-metric KYC was initiated, however due to technical reason if KYC is not successful, then in all such cases team need to Both Y
do the following:
1. Obtain copy of physical Aadhaar card (first 8 digits of Aadhaar no. to be redacted) or any other OVD on which bank employee to do OSV
2. Applicant/co-applicant as applicable can provide OVD/deemed OVD in the name of parent/children/sibling/spouse who is a family member
residing on the same communication/current address. If document in the name of relative is obtained then Relationship proof and declaration
from the relative to be collected
Note: Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel

1. If address mentioned in the Application form/Digital journey is incomplete or slightly mismatch with KYC then address will be updated as Both Y
per KYC.
2. If address is completely mismatched then it will go to sales rework tray.
3. If the address mentioned on KYC is of permanent address then KYC of communication address will be required.
4. If the KYC is done through Biometric / Video KYC separate current / communication address proof is not required. Current /
communication captured in the Application form/Digital journey to be updated in the system
Note: Video KYC and Biometric KYC is not available for NRI and Non-Individual customers

If Aadhaar is collected as KYC, first 8 digit of Aadhaar number to be masked and only last 4 digits to be captured in system Both Y
Note: For Digital cases, masking of Aadhaar number will be done by the system, and ensure masked copy of Aadhaar is submitted/uploaded

Aadhaar Card
If Aadhaar is collected as KYC then Aadhaar consent form is mandatory. Either it has to be submitted as physically signed document at login Both Y
or it can be collected digitally for iLens cases
Note: If Aadhaar consent form not coming at login in digital cases, then update in comments in iDisburse remarks - Aadhaar Consent to be
collected before LAN generation

DOB proof to be as per Document list only Both Y

In case of dual DOB, customer declaration to be taken for the correct DOB. Customer Declaration can also be accepted from registered email Both Y
id mentioned on the application form
Date of Birth (DOB) If DOB mentioned on KYC contains only year then go as per other valid DOB proof from document list Both Y
Proof
If DOB mentioned on KYC has sequence mismatch / complete mismatch with application form then DOB will be updated in the system as Both Y
per KYC
If PAN is uploaded or submitted and the DOB mentioned on the PAN is correct then no other DOB proof is required Both Y
 Signature proof to be as per Document list only Physical Y
Signature Proof If Signature Proof is not available as per Document list / Sign mismatch in any case then Signature Verification Letter can be accepted for Physical Y
ICICI Bank Account Holders as well as for Other Bank Account Holders

Salaried: Both Y
1. Ensure complete office address is mentioned in the Application form/digital journey
2. If address is incomplete/not mentioned in Application form/digital journey then Office Address to be considered basis salary
certificate/form 16/ salary slip
Office Address 3. If address is not mentioned in above documents, then customer can confirm the address from the email id mentioned in the application
details/Office Address form/digital journey
Proof

Self Employed: Proof as per the document list to be collected/submitted Both Y

Salaried: Salary slip Both Y

1. All products : Latest 1 month Salary slip/Salary certificate only to be collected for all Salaried customers.
2. For applicants who are employed with government entities and latest salary slip/ salary certificate is not available as required, then salary
slip/ certificate of the preceding month may be collected.

3. For employees from Specified list of Companies: Last to last month Salary slip can also be considered, however salary credit should be
same in bank statement and should match with salary slip.
For e.g., If case is logged in the month of Dec, then salary slip of Oct to be submitted
3a. Salary slip is not required for funded customers of ICICI Bank. (Bank statement to be mandatorily provided at the time of login for such
cases if salary slip not being provided)

4. For first 15 days, salary slip of previous to previous month to be submitted.

For e.g, If case is logged in between 1st to 15th Dec, then salary slip of Oct to be submitted
For e.g, If case is logged in between 16th to 31st Dec, then salary slip of Nov to be submitted

5. For Incentive proof, Salary slip/Bank statement/Form 16 reflecting Annual/Quarterly Incentive proof to be submitted

6. Appointment letter is required for job change scenario only where Salary slip as mentioned above is not available from the current job.

7. Wherever pension income is considered for computing the loan eligibility, copy of pension order & copy of passbook / bank statement for
latest pension credit or 3 months reflecting pension credit to be collected.

Note: Screenshot of Salary Slip is not allowed

Salaried: Both Y
1. Form16/16B, ITR and Form 26AS is not required to be submitted for every case, however Credit may require the same on case to case
basis
2. If Rental income is considered then:
a. Last 2 year ITR
b. Form 26AS
c. Rental agreement and appears in last 3 months bank statement
3. Dividend / Bank interest income can be verified from either 2 year ITR, Form 26AS, last 3 months bank statement
4. Agri income to be verified from either last 2 years ITR or basic crop wise net income in Market Evaluation Report (MER) subject to
confirmation of acreage & crop grown
5. Certified CA attestation or any employer certification is not required
6. For Digital cases, Self attestation of Income documents is not required
Note:
Income documents No Salary slip is required for Directors who are part of loan application where Company's Income documents are received and
Salary of Directors is reflecting in the Company's Income documents

For Self Employed (Sole Proprietor/Partnership/Pvt Ltd Co (Company & Directors): Both Y
Following Documents to be collected for latest 2 years for Home Loans, Home Equity Loans, Office Premises Loan, Land Loans, Education
Loans, Auto Loans, BCCL and BIL
1. ITR with computation of income for the individual applicants and co-applicants
2. P&L Account & Balance sheet certified by CA (not applicable for Auto Loans)
Important note on CA Attestation requirement on Financial statements:
a. Return field u/s 44AD/ 44AE/ 44AF - If ITR form is "ITR-4" then team can assume that it is filed u/s 44AD/ 44AE/ 44AF & they should
not ask for separate Balance sheet or any other CA attested document. CA attestation is also not required on ITR.
b. For Audited Financial Statements, Tax Audit report viz. Form 3CA/3CB/3CD will be available and hence no separate CA attestation is
required in such cases.
c. If Turnover is verified via Banking/GST & profit margin limit is within prescribed for the turnover variant - Income/Balance sheet need to
be accepted without CA certification - This will be Sales and Credit checkpoint and availability of CA attested document should not be asked
by DRO/TCS. DRO/TCS would go ahead with whatever financial statements are provided (with or without CA attestation)
d. For all other scenario, CA attested Financial statements are required to be submitted by Sales
e. If Financial statements of one year are CA attested and for other year the financial statements are not CA attested then Credit to check on
the applicability of CA attestation as per above points to avoid re-work. DRO/TCS will not ask for CA attestation on non-CA attested
financials.
5. UDIN is required only for Audited Financial Statements or CA attested documents
Note: If UDIN is not available, Sales to ensure same is provided before LAN generation and Ops not to reject the case during Login
6. Validity of UDIN to be checked @ https://udin.icai.org/search-udin by Credit
7. In case applicant is promoter director of a closely held company or partner in a firm, then such entity's financials, GST and Bank statements
(whichever applicable) are also required to be collected

For TW loans upto 3 lacs ( SENP) : copy of latest ITR / GST return of 6 months/ 26AS required. Both Y
For Self Employed (Sole Proprietor/Partnership/Pvt Ltd Co (Company & Directors): Both Y
1. 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.
2. 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
3. Form 26AS is not required where GST is not applicable or no TDS is deducted
Note: At log in desk, availability of GST return would not be asked by DRO/ vendor. Vendor / DRO would go ahead with whatever available
GST returns provided. If not available, CAM would be prepared without GST details. This is to be covered by Credit to check during
underwriting
 For Salaried & Self employed Both Y
1. Salaried : Last 3 months Bank statement for Non ICICI Bank Account Holders where Salary is getting credited
1a. SENP : Last 6 months Bank statement of all Operative (i.e. Active) Business Accounts for all individual i.e. (Proprietor, Partner,
Director)

2. Bank statements are not required to be collected where the salary account / Operative account of the applicant is with ICICI Bank
3. Self-attestation required only on first & last page for Physical cases
4. For Digital cases, Self attestation of Bank statement is not required
5. Attestation and certification in case of Net-downloaded Bank Statements: If the copy of bank statement submitted by borrower and/or co-
borrower is downloaded from the borrower's Bank's site, in such cases the copy to be attested by borrower with his signature (For physical
case only)
6. PDF of bank statement can be accepted if same is shared via E-mail id mentioned on application form/ DIY/ digital journey/ extracted
through account aggregator/ fintech integration.
Note: Screenshot of Bank Statement is not allowed
Note: For products or variants where bank statement required for a higher period, the same to be collected as required.

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 Both Y
month can be submitted.
Bank Statement For e.g
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. 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 Both Y
can be submitted.
For e.g
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.

Other points: Both Y

1. Bank statement not to be collected for ICICI Bank Account holders
2. Bank statement to reflect income being appraised
3. PDF of Bank statement can be accepted if same is shared through E-mail id mentioned on application form/digital journey
Note 1 : Screenshot of Bank Statement is not allowed
Note 2 : Note: For products or variants where bank statement required for a higher period, the same to be collected as required.

Other Points GST registration certificate is not required, however same may be required by Credit on case to case basis Both Y

1. EMI of Loan can be tracked through Bank Statement Both Y

Note: SOA for these loans is kept as optional to be submitted and Login desk to not reject the case if SOA is not shared
Repayment Track 2. Latest Sanction letter/renewal letter in case of working capital limits.

1. 12 months bank statement of the main operative account Both Y

2. GST return for last 1 year OR P&L account for the latest year.
GST Variant except for Note:
PL,TW 1.PDF can be accepted if same is shared through E-mail id mentioned on application form
2.Bank Statement to reflect income being appraised

1.Self-attested (on first & last page only) last 12 months Bank statement of All Operative Business Accounts Both Y
Note:
Banking Variant except 1.PDF can be accepted if same is shared through E-mail id mentioned on application form
for PL, TW 2.Bank Statement to reflect income being appraised

Bank statement for the period of latest 6 months required which reflect EMI debits Both Y
Note:
Balance takeover variant 1. For PA BT and Progressive BT cases (across all asset products) - No Income documents are required to be collected
for all retail products (for 2. For Mortgage related all BT variants - SOA/Sanction Letter/Income Tax certificate to be collected at the time of Sanction or Disbursement
both INBT & EXBT)
including Repayment /
Refinance

1. Where Audited : Both Y

a. ITR, Computation of income, P/L & Balance sheet, schedules to be certified by CA., Audit report of last 2 years.
b. 6 months of main operation accounts ( multiple operative current accounts can be taken )
2. Where CA certified :
a. ITR, Computation of income, P/L & Balance sheet, schedules to be certified by CA. of last 2 years.
b. 6 months of main operation accounts ( multiple operative current accounts can be taken )
c. GST return of last 1 year
Audited / CA certified Note:
financials variant 1. UDIN is required on Audited Financial Statements or CA attested documents
2. If UDIN is not available, Sales to ensure same is provided before LAN generation and Ops not to reject the case during Login
3. Validity of UDIN to be checked @ https://udin.icai.org/search-udin by Credit

1. IT return for the latest financial year (ITR copy would cover Saral Copy and Computation of Income, Financials are not required) Both Y
2. 6 months bank statement of the main operative account
ITR Variant (not 3. GST return for last 1 year OR P&L account for the latest year
applicable for BIL )
 ID Proof : Valid Passport copy Both Y
If Indian passport - Front and back page (Blank pages not required)
If Overseas passport - Front & back page (stamping and Blank pages not required)
Status Proof : Both Y
For NRI customer: Valid work visa/Residence Permit/Permanent Citizenship Card
For OCI customer : Valid OCI card/OCI declaration in Bank's format instead of Visa
Note: Refer document list, for Top countries acceptable list of Visa

Permanent Account Number (PAN) should be available for all Applicant & Co-applicant Both Y
If PAN (Number) is not available then form 60 required to be collected for all the applicants
In case Form 60 is ticked - dully filled and signed form 60 mandatorily collected,
Note : All checkpoints related to PAN as mentioned above in the checklist will be applicable

Address Proof (Overseas,Communication & Permanent) Both Y

Overseas Address proof :-There is additional document list available in addition to OVD and Deemed OVD list, Refer document list for
acceptable document as overseas address proof
Communication Address proof :-
If communication selected as overseas address, document of proof from above list of documents
if communication selected as Indian address, document of proof from list of OVD/deemed OVD
Permanent Address Proof :-
For NRI with Indian passport, permanent address to be captured same as passport
For OCI with foreign passport, permanent address to be captured same as passport. If no address is available on the passport then overseas
address to be captured

Note :
NRI/OCI :- Overseas address proof is mandatory in all cases. Indian address proof is mandatory only if selected as preferred communication
address
Merchant Navy : Overseas address proof is not required. Indian address proof is mandatory
Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel
For NRI/OCI

Clear copies of self attested & OSV by Bank official of passport, Visa, OCI card (if applicable), Overseas address proof, Indian address proof Both Y
(if applicable), Pan Card copy (if applicable). In the absence of OSV by Bank official, 3rd party attestation from overseas required. List of 3rd
party as below:

• Authorised Officials of overseas branches of Scheduled Commercial Banks registered in India

• Branches of Overseas banks with whom Indian banks have relationships
• Notary Public abroad
• Court Magistrate
• Judge
• Indian Embassy/Consulate General in the country where the non-resident customer resides
Note : Same is required at the time of login for physical cases and for digital cases (iLens/EHL/ADP) same is required before LAN generation

For all NRI cases, Income and Bank Statement requirement will be the similar to RI cases Both Y
Note: Detailed Credit Report (with score) is mandatory from USA/UK/Hong Kong/Singapore/Germany/ UAE/Kuwait/Bahrain/Qatar/Saudi
Arabia/Canada/Australia/New Zealand/Ireland/Oman/South Africa

Application form can be signed by GPA holder provided original executed GPA document as per ICICI Bank format is submitted along with Both Y
GPA KYC.
(All KYC document for all NRI applicant's must be self attested and 3rd party attested at the time of login)
 Latest Partnership Deed Both Y
Partners comprising of 51% of the profit sharing ratio in the firm as per partnership deed should be part of the Loan Proposal Both Y

Partner's Authority Letter (PAL) to be signed by all partners as per Standard format (Can be collected at the time of Disbursement) Both Y

For LLP cases, Both Y

1. Copy of LLP Agreement / deed signed by all the partners.
2. Copy of Certificate of Incorporation (Digitally Signed or Signed and Stamped) issued by ROC is required
3.List of Directors and latest shareholding pattern certified by CA/CS is required
For Partnership/ LLP

Partnership firm cases to be data entered in Corporate tab and constitution to be updated as Partnership firm Both Y
1. DOI For registered entity & LLP , as per Firm Registration certificate and it should match with application form. Both Y
2. For unregistered entity DOI will be as per DOI mentioned in partnership deed / PAN and should match with application form

If Registered address/ Principal address and communication address of entity are different. Both Y
a. Proof of both address will have to be procured from the customer.
b. visit to both address will be mandatory (Checkpoint for credit team)

1. Copy of Certificate Of Incorporation (Digitally Signed or Signed and Stamped) Both Y

2. Copy of Memorandum of Association (MOA )
3. Copy of Articles of Association (AOA)

Latest list of Directors with name, date of birth, nationality and address certified by CA/CS Both Y
Availability of Latest Shareholding pattern certified by CA/CS also 51% shareholders should be part of Proposal and KYC of 51% Both Y
shareholders to be checked as per Norms
Certified copy of Board resolution to be obtained Both Y
OSV on the KYC documents to be done by ICICI Bank employee only and can be done either at login or prior to LAN generation) Both Y
For Entities (Pvt Ltd
Companies/ Public
Limited Companies) Constitution to be updated as per corporate specification i.e. LLP, Pvt ltd, Public Ltd etc. Both Y
MCA site check-Company Name, DOI, Registered address, Status of company to be "Active", List of directors. Both Y
For Pvt / Public / LLP - efiling status should not be Struck off / under process of striking off / Amalgamated / Dissolved / Defunct

Details mentioned on the entity proof should match with application form Both Y
If Registered address/ Principal address and communication address of entity are different. Both Y
a. Proof of both address will have to be procured from the customer.
b. visit to both address will be mandatory (Checkpoint for credit team)

Copy of Trust Deed with Registration Certificate Both Y

For Registered Trust
Availability of list of Trustees and name of Settlor (author of the Trust) with name and date of birth. Both Y

OVD for Identity & Address Proof of Karta (as per individual capacity) Both Y
For Hindu Undivided Availability of list of Adult Coparceners with Name attested by Karta Both Y
Family (HUF)
Communication address proof in the name of HUF or Karta can be accepted Both Y

KYC of the entity Trust/Society/Section 8 or 25 company running the school/college/university needs to be done. Both Y
Any Government issued recognition/affiliation/registration certificate as Identity proof of the school/college/university establishing link of the Both Y
For same with the Trust/Society/Section 25 co. (Companies Act 1956) or Section 8 Co. (Companies Act 2013)
Schools/Colleges/Univers
ities being run by
Trusts/Societies/Section
25 companies In case the address is different from Trust/Society/Section 25 running the school/college/university, a separate address proof of the Both Y
school/college/university needs to be collected

Availability of Bye-laws/Memorandum of a Society with Registration Certificate Both Y

For Society
Availability of List of Members with name, address and date of birth. Both Y

Sole Proprietorship cases to be data entered in Corporate tab and constitution to be updated as Sole Proprietorship Both Y

Photograph, OVD for Identity & Address proof of Sole Proprietor (same as applicable for individual) Both
Name & DOI on Entity proof should match with name & DOI mentioned on the application form Both Y

Two Entity proof in the name of proprietary firm ( any 2 from schedule 1 ) should be collected as per Circular 15436. Details available on the Both Y
application should match with provided entity proof.
Sole Proprietorship A. For second entity proof, entity having more than 6 months vintage:-
entity proof or declaration from customer to be collected

If Registered address/ Principal address and communication address of the entity are different. Both Y
a. Proof of both address will have to be procured from the customer.
b. visit to both address will be mandatory (Checkpoint for credit team)

Authorised signatory details like, name, DOB, PAN and address should match with KYC proof and application form Both Y
Photo of the auth signatory is also required.
Auth Signatory

Checkpoints specific to High Value Cases

High Value case identifier (Loan Amount Rs. In mns) - Mortgage >75.0, Auto (Individual) >35.0, Auto (Corporate) >50.0, Unsecured Loan >5.0, Commercial Business
(CV >100.0
Login
Particulars Checkpoints
Checkpoint
Customer profile on letter head or through registered email id mentioning nature of business, vintage, brief details regarding business, key Y
promoter / personnel details, registered address / GST no. / LEI no. wherever applicable

Operating Bank statement of all individuals and entities is required in PDF format for last 6 months Y
Note: Scan copy or Screenshot should not be attached
Comon checkpoints Bank statement of last 6 months from which existing EMIs are served is required to be submitted Y
Group companies audited financials and operating bank statement if any from individuals applicants are drawing Director remuneration / Y
Salary
Networth statement required for all customer profile Y

Work order copy in hand in case of Contractor Profile – For CV to check whether same is included in Auto loans Y
Auto Loan (specific to
CV/CE) Fleet list for CV and CE profiles - For CV to check whether same is included in Auto loans Y
 Mortgage specific checkpoints
Digital/ Login
Particulars Product specific additional documents
Physical/ Both Checkpoint

Net Worth Statement Required of the Lessor for Loans greater than 10 Cr Both Y
Copy of TDS certificate to justify the correctness of Tax Deducted at Source for Lease period or for the last F/Y whichever is applicable Both Y
LRD
Property Tax receipt to be collected Both Y
Copy of Lease Agreement between Lessor and Lessee Both Y

Material/Labour Cost Estimate: Both Y

Detailed estimate from contractor on letter head/plain paper with rubber stamp giving the cost of material and labour cost OR
Bills of Material purchased and estimate of the labour cost from contractor on letter head/plain paper with rubber stamp
Home Improvement Loan

For Physical Login: Both Y

1. Login fee of Rs. 3000/- for HL and Rs. 5000/- for Non HL or actual processing fee amount whichever is lower or special fees wherever
applicable to be collected
2. Login fee can be paid by using QR code available on the App form and ensure payment details are captured in App form
3. Login fee (entire PF) can be paid through iLens App (for Physical login cases as well)
4. If Login fee (entire PF) is paid by cheque please ensure the details are correctly filled with no alteration and in favour of "ICICI Bank Ltd
for loan account of <Customer Name>"
5. Balance PF to be collected/submitted before issuance of Sanction letter
6. Login fee cheque can be from any applicant's or co-applicant's any bank account
7. Login fee cannot be paid through DD (No deviation allowed)
8. For NRI cases, Login fee cheque should be from NRE/NRO account or through QR code/iLens App
PF 9. For BT & Top up cases, single login fee is to be collected for PF and balance fee to be collected at the time of LAN generation stage
Note: Waiver in Login fee to be approved as per Authorisation matrix through IAS/iMemo
For Digital Login: Login fee to be collected during the journey

End Use Letter to be collected in specified format (Can be collected at the time of disbursement) Both Y
Top-Up / LAP In case of LAP, Property Papers for Initiation of Legal and technical should be submitted upfront

Verification of signature from SV proof document. Customer Signature on first PreEMI/ EMI PDC and on NACH mandate is same, in case of Physical Y
24 Hrs Top Up any mismatch reject the case

Auto specific checkpoints

Login
Particulars Product specific additional documents
Checkpoint
New Car Proforma Invoice in name of the borrower with Hypo of ICIC Bank. Y

1. Clear RC Copy to be documented. RC should not have HP in Refinance cases , Else NOC/Closure proof is required . Y
Used Car Loan 2. Insurance Policy Document: Insurance should be valid for minimum 30 days at the time of login.

1. Fleet Documents: Commercial License, FCF declaration, contract letter Y

2. Fleet Details Annexure: Fleet List carrying Make/Model/Sub-model, Engine No, Chassis No, RC Number (Copy of RC to be available or
Fleet Funding Vahan extract to downloaded and updated against the case on the basis of annexure).

TW specific checkpoints
Login
Particulars Product specific additional documents
Checkpoint
Channel DM Description of Loan offered , Tenor , EMI , Rate , Charges , Payment mode , CRM ID if Sourced through Branch , Cycle date etc Y

Sourcing Branch Pan India , other than Negative Branch , DDSA only from Approved location Y

It must be in Customer name , Dealer must be authorized and Date should not be 30 days old Y
Dealer Name/Model/Sub model/Asset cost to be same as mentioned on Channel DM/Application Form Y
Proforma Invoice
Dealer stamp and signature required Y
RTO and Insurance amount must be within Grid as Shared by Policy Y

RC , Invoice and RTO tax receipt & Insurance copy within 30 days old and % must be as per Grid defined in Policy for State. Y
Insurance any Deviation on Non Documentation of Tax invoice , RC & Invoice , approval needs to be documented from Product Head. Y

Annexure 5a required when deemed OVD is taken as address proof Y

Note: Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel

Annexure 5b required when CDD is taken as address proof Y

Annexure 3 required with Photo id of person in whose name address proof provided , when address proof is taken in the name of blood relative Y

Other Points In RCO Cases, OHP is Mandatory. Y

If Scorecard is Red or Experian score is less than 563 in no hit cases, both are clear NO GO case and needs to be rejected in APS. Also Y
Negative Branches are not allowed for Sourcing

Name declaration is required on Rs 100 stamp paper as on Exception , ratification needs to be there from KYC team Y
Annexure 2 is required if Aadhaar card has given for either ID or address proof Y
If OHP in the name of blood relative relationship proof required with Annexure 3 Y

In Blue , Brown, PA , PQ Case - Banking first page is required Y

In Green , Yellow and AIP Case - Bank Statement required containing 1 month banking and Balance needs to be Equal to EMI on Cycle date Y
offer to Customer..
Banking Norms
In Green , Yellow and HLTV Case / TWNORM - 3 month Bank Statement required and ABB has to be Equal to EMI - Else NFA has to be Y
highlighted

Income Document In AIP Case, Income Document not required , However Declared income needs to be Rs 20000/- in NTB cases Y

Cibil Score must be 740 in Salaried / Self Employed with tradeline of 12 month excluding gold loan. Y
Cibil Variant - No Income
NO Personal loan in last 12 mth and there should not be more than one tw live Y

Variant Wise Loan AIP - 1,00,000/- RE/JAVA - 2,25,000/- , TWNORM - Rs 85,000/- , TWHLTV - 3,00,000/- TWCIBIL - 85,000/- TWINDC - 60,000/- Y
Amount

AIP - 80% , TWNORM - 85% , TWHLTV - > 85% =100% , TWCIBIL - 85% TWINDC - 80% - PA-PQ - PA 100% - PQ Manufacturer Y
Variant Wise LTV wise.
 PL-BIL specific checkpoints
PL Login BIL Login
Particulars Product specific additional documents
Checkpoint Checkpoint
Copy of membership / degree certificate Y Y
Professionals including
Doctors In case of professionals, certificate of practice also required. Y Y

ITR (unaudited) Last 12 months bank statement of CA/OD/CC Y

Following profiles cannot be sourced: Peons, Helper, Driver, Ticket conductor, Ward boy, attendants, Multi-purpose worker/ staff, forest Y
guard, dresser, orderly. Basically Grade IV employees are not allowed.
Negative profile check (Exception to this is ICICI Bank salary accounts)

Ownership proof Ownership Proof is mandatory if case is logged in for loan amount greater than Rs.25 Lacs. Y

EL specific checkpoints
Login
Particulars Product specific additional documents
Checkpoint
Applicant : 10th ,12th, UG or PG mark sheets and degree or provisional degree certificate. Applicable entrance test scores card copies Y
Academic documents Co-applicant: Registration certificate in case of, Professionals ( CA ,Doctor )

Admission proof Invite/admission letter from University/college & Fee structure is required. Y

Other Points Verify if the file is logged in last 30 days Y

Negative profile: Y
Following profiles cannot be sourced: Peons, Helper, Driver, Ticket conductor, Ward boy, attendants, Multi-purpose worker/ staff, forest
Other Points guard, dresser, orderly. Basically Grade IV employees are not allowed.
(Exception to this is ICICI Bank salary accounts)

1. Sanction letter of loan of BT bank / financer is mandatory. Y

2. For EXBT secured cases, LOD of other bank required
EXBT cases 3. FC statement/Repay schedule of BT bank.
4. If applicant is employed then Employment status to be checked (offer letter/salary slip).

Co-applicant : Income certificate from Tehsil / collector's office required in absence of salary slip. Y
Income proof - salaried.

Income proof other than Applicant : Documents to establish 3 yrs. work experience where ever applicable & available Y
salaried.

Income proof - Retired 1. Pension order/book Y

from service 2. Bank Statement of last 3 months

Common Document List

Document category Salaried - Resident

Any one of the below documents to be submitted as Proof of identity and Proof of Address (Communication Address):
1. Aadhaar Card
Proof of Identity/ Proof
2. Passport
of Address (Officially
3. Voter ID
Valid Document - OVD)
4. Driving License
Note: Proof of Permanent Address is not mandatory

Deemed OVD as 1.Customer has to provide declaration to update OVD with current address and submit proof within 3 months
Current Address Proof 2.Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel

If Video KYC or Biometric KYC was not successful then collect:

1. Applicant's/Co-applicant's redacted Aadhaar card copy or any other OVD with OSV done by Bank employee
2. OVD or Deemed OVD in the name of parent/children/sibling/spouse who is a family member residing on the same communication/current
Additional document as
address
Proof of Address
3. Relationship proof document
4. Declaration from the relative in the Bank format
Note: Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel

Any one of the below documents can be submitted as Proof of Date of Birth (DOB):
1. PAN card
2. Aadhaar Card
3. Passport
4. Voter ID
Date of Birth (DOB)
5. Driving License
Proof
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

Any one of the below documents can be accepted as Signature Proof:

Signature Proof 1. Passport
2. PAN Card

Document could be any one of the OVD or any document from the below list:
1. Pension Payment Order/Passbook/Card issued by Government
2. Defence Dependent Card/Discharged Book issued by any Defence authority
3. 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
Relationship Proof of
4. Senior Citizen Card issued by any Government
Applicant and Co-
5. Any Certificate whether Bonafide/Leaving/Transfer/Mark Sheet/Passing issued by any State Board/University/School or College
applicant
authorities containing name of the child, Date of Birth and guardian name
6. Ration card with or without photograph issued by Ration Authority
7. Birth Certificate issued by Municipal or Village Authority or Nursing Home containing name of child, Date of Birth and Guardian name
8. Marriage Certificate issued by any Government Authority
9. Valid LIC policy with last premium payment receipt
 Document category Non Resident Indian (NRI)
Proof of Identity 1. Passport(Indian/foreign)

Any one of the below documents to be submitted as Proof of India Address (if selected as Communication Address):
Proof of Address(India) 1. Aadhaar Card
(Officially Valid 2. Passport
Document - OVD) 3. Voter ID
4. Driving License

Deemed OVD as Indian 1. Customer has to provide declaration to update OVD with current address and submit proof within 3 months
Address Proof 2. Deemed OVD is not acceptable for Mortgage product except Defence Serving Certificate which can be accepted for Defence personnel

Any one of the below documents to be submitted as Proof of Overseas Address

Proof of Address
(Overseas) (Officially
1. Passport
Valid Document - OVD)
2. Driving License
Deemed OVD as
1. Customer has to provide declaration to update OVD with current address and submit proof within 3 months
Current Overseas
2. Deemed OVD is not acceptable for Mortgage product except Defence Serving Certificate which can be accepted for Defence personnel
Address Proof

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 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. Accommodation Allotment 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) or National address certificate for Qatar (this document must be valid and contain
address of the customer)
Additional 7. Rent agreement registered/ notarized by relevant authority in the overseas jurisdiction
Documents(Overseas 8. Home Loan or Mortgage statement not older than 90 days issued by a Bank/ NBFC in the overseas geography
Address) in the absence 9. Letter from the employer confirming the address / Letter of accommodation confirming the address – Only applicable where ICICI Bank
of OVD and Deemed has relationship with such employer/corporate.
OVD 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

List of Additional Overseas Address Proof Only Applicable for USA, UK, Canada, Singapore, Australia, and specific countries in
Middle East* and Europe#
*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.
Note: Deemed OVD is not acceptable for Mortgage product except Defence Serving Certificate which can be accepted for Defence personnel

USA -
a) Permanent Resident Card
b) Work permit/visa Eg: H1B
c) I797 A & C - This is a notice of action for visa extension. This is acceptable if following conditions are met:
i) Customer must be residing in USA at time of loan application
ii) Employer name on I797 extension must match the current employer name
d) F1 visa- accepted if customer provides valid employment authorization document (EAD)
UK - Permanent Residence Card/Resident Permit
Canada -PR Card/Residence Permit
Singapore - Employment Pass/NRIC Identity Card
NRI Status Proof
Saudi Arabia - Visa/Iqama- Incase original Iqama copy is with the sponsor and not available with the customer , copy of Iqama along with
Re-entry permit
UAE - Visa & Emirates ID
Oman - Visa/Resident Card
Qatar - Visa/ID Card/Residence Permit
Kuwait - Visa/Civil ID Card
Bahrain - Visa/CPR
Africa Region - Short Term Visa (STR) along with Employer letter confirming the longer stay
Australia - Residence Permit/Bridging Visa
For other countries - Equivalent document

Any one of the below documents can be submitted as Proof of Date of Birth (DOB):
1. PAN card
2. Aadhaar Card
3. Passport
4. Voter ID
Date of Birth (DOB)
5. Driving License
Proof
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

Any one of the below documents can be accepted as Signature Proof:

Signature Proof 1. Passport
2. PAN Card

Document could be any one of the OVD or any document from the below list:
1. Pension Payment Order/Passbook/Card issued by Government
2. Defence Dependent Card/Discharged Book issued by any Defence authority
3. 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
Relationship Proof of
4. Senior Citizen Card issued by any Government
Applicant and Co-
5. Any Certificate whether Bonafide/Leaving/Transfer/Mark Sheet/Passing issued by any State Board/University/School or College
applicant
authorities containing name of the child, Date of Birth and guardian name
6. Ration card with or without photograph issued by Ration Authority
7. Birth Certificate issued by Municipal or Village Authority or Nursing Home containing name of child, Date of Birth and Guardian name
Marriage Certificate issued by any Government Authority
8. Valid LIC policy with last premium payment receipt
 Document category SEP/SENP/ENTITIES

Any one of the below documents to be submitted as Proof of identity and Proof of Address (Communication Address):
Proof of Identity/ Proof 1. Aadhaar Card
of Address (Officially 2. Passport
Valid Document - OVD) 3. Voter ID
for Sole Proprietor 4. Driving License
Note: Proof of Permanent Address is not mandatory

Deemed OVD as
1. Customer has to provide declaration to update OVD with current address and submit proof within 3 months
Current Address Proof
2. Deemed OVD is not acceptable for Mortgage product except Defence Serving Certificate which can be accepted for Defence personnel
for Sole Proprietor

If Video KYC or Biometric KYC was not successful then collect:

1. Applicant's/Co-applicant's redacted Aadhaar card copy or any other OVD with OSV done by Bank employee
Additional document as 2. OVD or Deemed OVD in the name of parent/children/sibling/spouse who is a family member residing on the same communication/current
Proof of Address for address
Sole Proprietor 3. Relationship proof document
4. Declaration from the relative in the Bank format
Note: Deemed OVD is not acceptable except Defence Serving Certificate which can be accepted for Defence personnel

Any one of the below documents can be submitted as Proof of Date of Birth (DOB):
1. PAN card
2. Aadhaar Card
3. Passport
Date of Birth (DOB) 4. Voter ID
Proof 5. Driving License
for Sole Proprietor 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

Any one of the below documents can be accepted as Signature Proof:

Signature Proof
1. Passport
for Sole Proprietor
2. PAN Card

SEP/SENP:
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 entity proof)
6. Utility Bill
7. ITR

Private/ Public Limited Companies/ Limited Liability Partnerships/ Partnership firms/ Trust/ Society
Proof of Registered and Communication Address (Any one of the following):
Proof of Identity/ Proof 1. Certificate of Incorporation (if it has address), or any form mentioning address filed with any Government Authority along with Receipt for
of Address (Officially filing
Valid Document - OVD) 2. Utility bill for Electricity, Telephone, Water Tax, Property Tax, Gas connection. At the time of submission by the customer, the same
for Entities should not be more than two months’ old
3. Copy of Agreement for premises with last paid utility bill not more than two months old in name of owner of premises
4. Any Certificate/Licence issued by local Municipality/Government bodies mentioning address
5. Bank statement/passbook with address for a period of past three months denoting transactions
6. Letter from existing banker on the bank letterhead containing name and address of the entity bearing bank stamp, name and designation of
bank authorised official along with branch name and signature of authorised official
7. Latest Annual Report for Government entities and listed companies
8. Latest Income Tax Return Acknowledgement copy or latest Income Tax/Wealth tax assessment order
9. Address proof in the name of sister concern or group company along with consent letter to use premises on the letterhead of sister concern
or group company (as per Annexure CA-2)
10. In case of a listed company, the registered address available on NSE/BSE website or MCA site. Print of the same to be kept with AOF.
This will be considered as proof for registered address only
10. In case of non-listed company, MCA screenshot for registered address proof along with KYC visit report. This will be considered as proof
for registered address only
11. IT Registration Certificate such as 12AA/80G certificate
12. Any Other document from Schedule I

Schedule I
Proof of
business/activity in the
List of Documents
name of the firm (RBI
KYC Direction, 2016)
1.APMC/Mandi License/Certificate
2.Labour License/Certificate
3.Trade Mark Registration Certificate
4.Liquor License/Certificate
5.Drug License
6.Registration certificate issued by Excise and Customs Department.
7.License/Certificate to Sell/Stock/Exhibit for Sale or Distribute Insecticide/Pesticide
8 Registration Certificate issued under Weight and Measurement Act
9.Certificate of Verification issued under Weight and Measurement Act–This document will not be considered if Registration Certificate
issued under the same act has being taken as 1st entity proof document. (Will be considered as second entity proof.)
10.Regional Transport Office Permit/Registration Certificate
11.Consent to Operate document issued by State/Central Pollution Control Board
12.Certificate Issued by SEZ (Special Economic Zone), STP (Software Technology Park), EHTP (Electronic Hardware Technology park),
DTA (Domestic Tariff Area) and EPZ (Export Processing Zone) in the name of the entity mentioning the address allotted.
13.Certificate/License issued by Indian Medical Council. (CMHO/DMHO issued registration
certificate)
14.License issued by Food and Drug Control Authorities

Registration Certificate
issued by Government
Authority 15.Trade License in the name of entity.
16.Factory Registration Certificate in the name of entity.
17.License issued under Explosive Act in the name of Firm
18.Registration of firm with Employee Provident Fund Organization.
19.Registration of firm with Employee State Insurance Corporation.
20.TAN certificate/Allotment letter issued by NSDL can be accepted as a Registration Certificate for the purpose of entity proof of a new firm
which is not older than six months.
21.Letter/certificate issued by Village Administrative officers/PanchayatHead/Mukhiya/Village Development Officer/Block Development
Officer for customers in rural/village areas stating the
details of existence of the firm (should be on letterhead and not more than 3 months old) Certificate to be used as entity proof for entities
registered and operating from rural areas only alongwith Bank official’s visit report.
22.Partnership registration certificate issued by Registrar of Firms. (Only for Partnership firm).
23.Copy of PAN Card in the name of firm (only for Partnership firms, HUF and JV).
24.Udyog Aadhaar/ Udyam Certificate/District Industries Center (DIC)/Small Scale Industries (SSI) Certificate- Acknowledgement Part-II
issued by DIC/SSI containing Entrepreneur’s Memorandum Number. Duly stamped and signed by issuing authority.(Will be considered as
second entity proof.)
25.Any registration certificate/license issued favoring the proprietor as a proof of carrying out business issued by Central/State/Local
government under an Act will be considered as an entity proof

Certificate/license issued
by the Municipal
Authorities under Shop
and Establishment Act.
Note: Certificates are
valid till date of expiry
including grace period.
Expired Certificates along
with application for
renewal acceptable 1.Valid Shops and Establishment Certificate/Trade License/Certificate of Enlistment/license/Shop Allotment
subject to verification of letter/Provisional Trade license issued by any Municipality/E-Seva Kendra’s/Gram Panchayat.
renewed status on the 2.Letter or Certificate (should be on letterhead and not more than 3 months old) confirming
website of issuing existence of business issued by Chairman/President/CEO/Head of the Nagar Panchayat/Parishad, and not by local councilors/corporators
authority within 45 days 3.For newly established proprietary business entities with less than 10 employees in Maharashtra, certified copy of application intimating
commencement of business (Form F) and acknowledgement of receipt of
intimation (Form G) issued under Shop and Establishment Act along with Certified copy of Udyog Aadhaar.

Complete Sales tax return in the name of the firm duly acknowledged. Note: The portion of the sales tax return showing the name of the firm
Sales and Income Tax should be duly acknowledged by the
Returns accepting authority.

1. VAT Certificate
2.CST Registration Certificate.
3.Provisional/Final GST Registration
CST/VAT/GST certificate Certificate (valid for all names indicated in
(Provisional/Final) the GST certificate). Address mentioned in
the GST certificate is acceptable

Certificate/registration
1.Sales Tax Registration Certificate/TIN
document issued by Sales
Certificate
Tax/Service
2.Professional Tax Registration Certificate
Tax/Professional
3.Service Tax certificate
Tax authorities

IEC issued to proprietary

concern by office of
DGFT/License/certificate
of practice issued in the
License/certificate issued by SEBI/IRDA/ICAI/ICSI/ICWAI/Office of Registrar of Newspapers for India in the name of the firm.
name of the proprietary
Importer–Exporter Code Certificate (mandatory for EEFC account opening).
concern by any
professional body
incorporated under a
statue

Complete Income Tax

Return (not just the
acknowledgement) in the
name of the sole
proprietor where the Complete Income Tax Return (not just the acknowledgement) in the name of the sole proprietor where the firm’s income is reflected, duly
firm’s income is reflected, authenticated/acknowledged by the Income Tax authorities.
duly
authenticated/acknowledg
ed by the Income Tax
authorities

Utility bills such as

electricity, water and
landline telephone bills. 1. Latest copy of electricity bill/landline telephone bill in the name of the firm, not more than 2 months old.
(Account cannot be 2. Water bill paid to Municipal Body/Corporations in the name of the firm, not more than 6 months old.
opened solely on the basis 3. True copy of gas connection book in the name of the entity along with latest gas receipt not more than 2 months old or Gas bill in case of
of the mentioned pipe connection can be accepted as an entity proof.
documents, i.e. additional 4. Property Tax bill should not be more than one calendar year old from the bill issuance date along with Tax receipts in name of firm for
document in the name of property tax paid to Municipal Body/Corporations
entity need to be
collected.