How We Assess You
How we assess your eligibility
- Salary slips and Form 16 — straightforward documentation that most partner lenders process quickly for verified government employment.
- Employment ID or service certificate — confirms your role and tenure, strengthening the case alongside salary proof.
- Salary account statements — if your salary account is with a partner lender, this can simplify verification further.
- Retirement timeline — for applicants closer to retirement, tenure is structured accordingly, with pension or retirement benefits sometimes considered.
What this means in practice: a state government employee with a stable salary, standard documentation, and 15+ years to retirement typically moves through assessment faster than most other segments — this is one of the more straightforward profiles for our partner lenders.
Documents checklist
- Aadhaar and PAN
- Latest 3 months' salary slips
- Form 16 / income tax returns
- Employer ID card or service certificate
- Property documents for the home being purchased or constructed
