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  • List of Documents To Be Uploaded (Naphda)

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    majid
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    This document lists various documentation requirements for different types of income sources: 1. For formal business income, mandatory documents include proof of business ownership and length like partnership deeds, bank certificates, NTN certificates, or rent agreements and valid membership certificates. 2. For informal income, mandatory documents include rent agreements, utility bills, telco bills, or other valid expense documents to assess repayment ability. 3. For formal salaried income, mandatory documents include current salary slips, salary certificates, and last 6 months bank statements showing salary credits for income verification.

    Original Description:

    Naya pakistan form

    Original Title

    LIST OF DOCUMENTS TO BE UPLOADED (NAPHDA)

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    This document lists various documentation requirements for different types of income sources: 1. For formal business income, mandatory documents include proof of business ownership and length like partnership deeds, bank certificates, NTN certificates, or rent agreements and valid membership certificates. 2. For informal income, mandatory documents include rent agreements, utility bills, telco bills, or other valid expense documents to assess repayment ability. 3. For formal salaried income, mandatory documents include current salary slips, salary certificates, and last 6 months bank statements showing salary credits for income verification.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Flag for inappropriate content
    7 views2 pages

    List of Documents To Be Uploaded (Naphda)

    Uploaded by

    majid
    This document lists various documentation requirements for different types of income sources: 1. For formal business income, mandatory documents include proof of business ownership and length like partnership deeds, bank certificates, NTN certificates, or rent agreements and valid membership certificates. 2. For informal income, mandatory documents include rent agreements, utility bills, telco bills, or other valid expense documents to assess repayment ability. 3. For formal salaried income, mandatory documents include current salary slips, salary certificates, and last 6 months bank statements showing salary credits for income verification.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
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    of 2

    LIST OF DOCUMENTS TO BE UPLOADED

    COMMON DOCUMENTS
    Original / Type of
    Sr. No. Documentation Requirement
    Copy Requirement
    1 Residence Latest Electricity Bill Copy Additional
    2 Business Latest Electricity Bill Copy Additional

    FORMAL BUSINESS
    Original / Type of
    Sr. No. Documentation Requirement
    Copy Requirement
    Proof of Business (stating ownership and length of business)
    for example: Copy
    • Partnership Deed
    OR Original
    • Bank Certificate for Sole Proprietor / Partnership
    OR Copy
    • NTN Certificate
    OR Copy
    1 Mandatory
    • Rent agreement of office
    OR Copy
    • Professional Degree / Diploma &/OR Valid Membership
    of applicable Professional body
    OR Copy / Original
    • Any other valid acceptable business document verifiable
    from authority fulfilling minimum business tenor
    requirement.

    INFORMAL INCOME
    Original / Type of
    Sr. No. Documentation Requirement
    Copy Requirement
    In case customer has informal sources of income, one of the
    following documents shall be required to assess customer
    based on proxy income or repayment surrogates, for
    example:
    Copy
    • Rent Agreement
    OR Original
    1 • Rent Payment declaration Mandatory
    OR Copy
    • Utility Bills
    OR Copy
    • Telco Bill
    OR Copy
    • School Fee Challan
    Copy
    OR
    • Any other valid expense document (as per defined
    income proxy)
    2 Employment Letter (in case of cash Salary) Original Additional

    FORMAL SALARIED
    Original / Type of
    Sr. No. Documentation Requirement
    Copy Requirement
    Income Proof document (salary breakup and deductions to
    be clearly mentioned) for example:

    • Current Salary Slip Original /


    OR Copy
    • Salary Certificate
    • Account Maintenance Certificate along with last 6-month Original
    1 Bank statement with Salary Credits Original Mandatory

    Notes:
    - Maximum of 60 days old salary slip & Bank Statement may
    be accepted
    - Online / e-salary slips are acceptable with positive
    verification
    - Original salary slip / e-slip does not require stamp or sign.

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