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EMI on ₹5L, 12%, 3 yrs₹16,607
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Loans

Documents Required for a Personal Loan in India

A checklist of the KYC, income and address documents most lenders ask for when you apply for a personal loan, for salaried and self-employed borrowers.

31 October 2026 · 4 min read

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We explain borrowing terms simply so you can compare offers with confidence.

Sources checked

We refer to RBI guidelines and official lender information, and we mark each article with its date.

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We do not sanction loans or collect applications, and we never ask you for money.

Frequently asked questions

Is Bluewave Finserv a lender or loan agent?
No. Bluewave Finserv is an educational blog. We do not sanction loans, collect applications or take any payment from readers.
Are the articles financial advice?
No. Articles are general information to help you understand borrowing. Rates and rules change, so always confirm details with your lender or the RBI before you decide.
How accurate is the EMI calculator?
It uses the standard reducing-balance EMI formula. Your lender's figure can differ a little because of processing fees, GST, rounding and the exact repayment dates.
How can I report a mistake or suggest a topic?
Email us at info@bluewavefinserv.com. We check every message and correct errors quickly.

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