Sr No.	Reporting Body	Description
1	NHB	"NHB in exercise of the powers vested with it under the National Housing Bank Act, 1987 has imposed penalty of Rs. 15,000/- on 25/08/2020" on account of deficiency with regard to the adherence of the provisions of Housing Finance Companies- Corporate Governance (NHB) Directions 2016; Issuance of Non-Convertible Debentures on Private Placement basis (NHB) Directions 2014; and Policy Circular No. 55."

Instruments	ICRA	CRISIL	India Ratings
Short Term
Commercial Paper	[ICRA]A1+	CRISIL A1+	-
Short Term facility	-	-	IND A1+
Long Term
Market Linked Non-Convertible Debentures	PP-MLD [ICRA] AA-(Stable)	CRISIL PP-MLD AA-r/Stable	-
Non-Convertible Debentures	[ICRA]AA-(Stable)	CRISIL AA/Stable	IND AA/Stable
Bank Borrowings	-	CRISIL AA/Stable	IND AA/Stable

Income Document Check List

i. Income Document requirement for Documented Salaried Income
Document Name	Requirement Type	Document Type
LATEST 3 MONTHS SALARY SLIP OR SALARY CERTIFICATE	Mandatory	Original
LATEST FORM 16	Optional	Self-Attested Copy
APPOINTMENT LETTER WITH CTC IF ON PROBATION	Optional	Self-Attested Copy
COPY OF LATEST 6 MONTHS BANK STATEMENT WITH SALARY RE FLECTION	Mandatory	Self-Attested Copy
PROCESSING FEES CHEQUE FROM SALARY BANK ACCOUNT	Mandatory	Original
EMPLOYER COMPANY PROFILE IF EMPLOYER IS NOT WELL KNOW OR WEBSITE IS NOT AVAILABLE	Optional	Original

ii. Income Document requirement for Documented Self Employed Professional Income
Document Name	Requirement Type	Document Type
COMPUTATION INCOME STATEMENT	Any One	Attested Copy by CA – IF AVAILABLE
COPY OF P & L A/C		Attested Copy by CA – IF AVAILABLE
COPY OF BALANCE SHEET	Mandatory	Attested Copy by CA – IF AVAILABLE
COPY OF IT ACK OF LATEST 2 YEARS DULY CA CERTIFIED	Mandatory	Attested Copy by CA – IF AVAILABLE
COPY OF AUDIT REPORT IF APPLICABLE	Optional	Attested Copy by CA – IF AVAILABLE
COPY OF TAX PAID CHALLANS	Optional	Attested Copy by CA – IF AVAILABLE
T D S CERTIFICATE	Optional	Attested Copy by CA – IF AVAILABLE
BRIEF PROFILE OF BUSINESS	Optional	Original
COPY OF BUSI. LICENSE (SHOP & ESTABLISHMENT, ETC.)	Optional	Copy
COPY OF QUALICIATION. CERT OR CERT OF PRACTICE(PROF.)	Optional	Copy
LATEST ONE YEAR BANK STATEMENTS	Mandatory	Self-Attested Copy
PROCESSING FEES CHEQUE FROM CURRENT BANK ACCOUNT	Mandatory	Original

iii. Income Documents requirement for Documented Self Employed Business Income
Document Name	Requirement Type	Document Type
COMPUTATION INCOME STATEMENT	Mandatory	Attested Copy by CA – IF AVAILABLE
COPY OF P & L A/C	Mandatory	Attested Copy by CA – IF AVAILABLE
COPY OF BALANCE SHEET	Mandatory	Attested Copy by CA – IF AVAILABLE
COPY OF IT ACK OF LATEST 2 YEARS DULY CA CERTIFIED	Mandatory	Attested Copy by CA – IF AVAILABLE
COPY OF AUDIT REPORT IF APPLICABLE	Optional	Attested Copy by CA – IF AVAILABLE
COPY OF TAX PAID CHALLANS	Optional	Attested Copy by CA – IF AVAILABLE
T D S CERTIFICATE	Optional	Copy
COPY PARTNERSHIP DEED (IF PARTNERSHIP FIRM)	Mandatory	Copy
COPY OF MOA (IF CUSTOMER IS DIRECTOR / COMPANY)	Mandatory	Copy
LIST OF DIRECTOR (IF CUSTOMER IS DIRECTOR / COMPANY)	Mandatory	Copy
LIST OF SHAREHOLDER (IF CUSTOMER IS DIRECTOR / COMPANY)	Optional	Copy
BRIEF PROFILE OF BUSINESS	Mandatory	Original
COPY OF BUSI. LICENSE (SHOP & ESTABLISHMENT, ETC.)	Optional	Copy
COPY OF QUALIFICATION. CERT OR CERT OF PRACTICE(PROF.)	Optional	Copy
LATEST ONE YEAR BANK STATEMENTS	Mandatory	Self-Attested Copy
PROCESSING FEES CHEQUE FROM CURRENT BANK ACCOUNT	Mandatory	Original

KYC Document Check List

			Income Source
Document Name	Requirement	Document Category	Salaried	SEP	SENP	Document Type
DRIVING LICENCE	Minimum One Document Must Be Collected	RP	Yes	Yes	Yes	SAC
LATEST BANK ACCOUNT STATEMENT		RP	Yes	Yes	Yes	SAC
LATEST ELECTRICITY BILL		RP	Yes	Yes	Yes	SAC
LATEST TELEPHONE BILL		RP	Yes	Yes	Yes	SAC
LETTER FROM EMPLOYER (SUBJECT TO SATISFACTION OF THE MOHF )		RP	Yes	Yes	Yes	ORG
PASSPORT		RP	Yes	Yes	Yes	SAC
RATION CARD		RP	Yes	Yes	Yes	SAC
LEAVE & LICENSE AGREEMENT COPY		RP	Yes	Yes	Yes	SAC
AADHAR CARD		RP	Yes	Yes	Yes	SAC
LETTER FROM SOCIETY		RP	Yes	Yes	Yes	SAC
AFFIDAVIT		RP	Yes	Yes	Yes	SAC
DRIVING LICENCE	Minimum One Document Must Be Collected	ID	Yes	Yes	Yes	SAC
PAN/GIR NUMBER OR FORM 60 OR 61 (WHEREVER APPLICABLE)		ID	Yes	Yes	Yes	SAC
PASSPORT		ID	Yes	Yes	Yes	SAC
VOTER ID CARD		ID	Yes	Yes	Yes	SAC
AADHAR CARD		ID	Yes	Yes	Yes	SAC
ID ISSUED BY EMPLOYER		ID	Yes	Yes	Yes	SAC
AFFIDAVIT		ID	Yes	Yes	Yes	ORG
PROCESSING FEES CHEQUE	Minimum One Document Must Be Collected	SV	Yes	Yes	Yes	ORG
PAN/GIR NUMBER OR FORM 60 OR 61 (WHEREVER APPLICABLE)		SV	Yes	Yes	Yes	SAC
PASSPORT		SV	Yes	Yes	Yes	SAC

Document Category	Document Type	Income Source
RP – Residence Proof	ORG – Original	ID – Id Proof
SAC – Self Attested Copy	SEP – Self Employed Professional	SENP – Self Employed Non Professional
SV – Signature Verification