💼 Document Checklist · 2026

Documents Required for Working Capital Loan

Keep these documents ready to speed up your working capital loan approval. Exact requirements may vary slightly by lender.

Working Capital Loan — Document Checklist

Identity proof

Aadhaar card, PAN card, passport, voter ID or driving licence

Address proof

Aadhaar, utility bill, rent agreement or passport

Passport-size photographs

2–4 recent colour photographs

Income proof (self-employed)

Last 2 years ITR with computation of income

Business bank statements

Last 12 months current-account statements

Business proof

GST registration, Udyam/MSME certificate or shop licence

Property / asset documents

Title deed, sale agreement, approved plan or asset invoice for the financed property/equipment

Working Capital Loan Documents — FAQs

What documents are required for a working capital loan?

You need identity proof (Aadhaar/PAN), address proof, income proof (ITR + business bank statements), and property/asset documents. See the full checklist above.

Is PAN card mandatory for a working capital loan?

Yes. PAN is mandatory for loan applications in India as lenders use it to check your CIBIL score and for KYC compliance.

Can I apply for a working capital loan without income proof?

Income proof is required by lenders to assess repayment capacity. Self-employed applicants can submit ITR and bank statements instead of salary slips.

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