Home loan approval timelines in India usually stretch not because of the bank, but because of missing paperwork discovered midway through processing. Getting your file complete upfront saves real weeks.
For salaried applicants, most lenders want the last 3 months of salary slips, Form 16 for the last 2 years, 6 months of bank statements showing salary credits, and your PAN and address proof. For self-employed applicants, expect to provide 2–3 years of ITRs, audited financials if applicable, and GST returns where relevant.
On the property side, the bank's legal team will independently verify the title and approvals we've covered elsewhere on this blog — so having your EC, sanctioned plan, and RERA details ready in advance speeds up their review too.
One often-missed step: get your loan pre-approved before you finalise a property. It fixes your realistic budget and makes you a stronger negotiator with the seller.