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Documentation

Pre-Disbursal Post-Disbursal
Application form, KYC Documents (Proof of Identity, Address Proof, Proof of Legal Existence, Registered office Address, Proof of Operating Address, Business Continuity Proof), Financial Documents (3 Years ITR along with audited Financials, Provisional Financials (if any), Tax Audit Report, 6 months bank statements, Repayment track record) Partnership deed/MOA/AoA, Board Resolution, Latest Shareholding pattern/ List of Directors on the customer's letter head, Ownership Documents, Property Mortage in Favour of Reliance Commercial Finance Limited.

Acceptable document proofs:

Sr. No Mandatory Docs
a) Identity Proof (any one)
b) Residence Address Proof (any one)
Identity proof Address proof
1 Photo PAN Card Yes
2 Passport Yes Yes
3 Voter’s Identity Card Yes Yes
4 Laminated Driving licence - Permanent. For a Driving license coming in a booklet form(Not laminated) to be acceptable as KYC document, an OSV done by RHFL/ RCL employee on the photocopy of the Driving license would be mandatory before disbursement. Yes Yes
5 Aadhaar Card (or the letter issued by the Unique Identification Authority of India containing details of name, address and Aadhaar number) Yes Yes
6 Job Card issued by NREGA and signed by an officer of State Govt Yes Yes
7 Telephone Bill   Yes
8 Electricity Bill   Yes
9 Post Paid Mobile Bills   Yes
10 Post paid Piped gas connection bill showing consumption and full address   YES
11 Municipal tax receipt/ Property tax receipt   YES
12 Bank account or Post Office savings bank account statement   Yes
13 Pension or family pension payment orders (PPOs) issued to retired employees by Government Departments or Public Sector Undertakings, if they contain the address   Yes
14 Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies. Similarly, leave and license agreements with such employers allotting official accommodation   Yes
15 Documents issued by Government departments of foreign jurisdictions and letter issued by Foreign Embassy or Mission in India.   Yes
15 Municipality Water Bill   Yes
16 Employee ID card (not applicable for Pvt. Ltd. Co) Yes  
17 Photo Ration Card Yes Yes
18 Photo Debit Card. Yes  
19 Defence ID Card Yes  
20 Banker’s verification/ passbook with stamp on photograph along with applicant’s signature. This can be accepted provided it contains customer's photo and signature, a/c number, date of opening, branch name, address and it should be certified only by the Branch Manager or Operations Head with their name & designation Yes  
21 Photo Credit card - Front copy only Yes  
Sr. No b) Residence Address Proof
Optional/ Additional Docs
   
1 Life Insurance Premium receipt of any insurer. (Vintage > 12 months.)   Yes
2 Copy of sale agreement if current residence is owned   Yes
3 Housing Society Receipt (If residence FI is positive at the same address)   Yes
4 Leave & License agreement if the applicant is staying on rent & the agreement is registered / notarised. Wherever notarised Leave & License agreement is taken, the notarisation should be in original & the agreement should be executed on a stamp paper as per the respective State Stamp Act. Applicable to lease deed also. Leave & license agreement is acceptable upto 30 days post expiry provided there is no change in address.   Yes
5 "Bank Passbook/ Latest Bank Account Statement (first page of the same with full address mentioned which matches with the applicant's address as per the Application form). In case of a Bank Passbook, the page showing the latest banking transaction should be taken on record."   Yes
6 Front Copy of the Credit Card and latest Card statement **   Yes
7 Office Identity card mentioning the address (MNCs/PSUs/Public Limited Companies/ Other Government companies) OR letter from employer if the applicant stays in the company provided accommodation)   Yes
8 Recent gas receipt within 2 months old with Gas Book/ Connection Receipt. Gas connection to be minimum 6 months old   Yes
  ** All Utility bills should not be more than two months old of any service provider    
Sr. No Proof of Legal Existence and Registered Office Address    
1 For Proprietorship firms: Any one of below:    
a Proof of the name, address and activity of the concern, like registration certificate (in the case of a registered concern), certificate/ licence issued by the Municipal authorities under Shop & Establishment Act, sales and income tax returns, CST / VAT certificate, certificate / registration document issued by Sales Tax / Service Tax / Professional Tax authorities, Licence issued by the Registering authority like Certificate of Practice issued by Institute of Chartered Accountants of India, Institute of Cost Accountants of India, Institute of Company Secretaries of India, Indian Medical Council, Food and Drug Control Authorities, etc.    
b Any registration / licensing document issued in the name of the proprietary concern by the Central Government or State Government Authority / Department. IEC (Importer Exporter Code) issued to the proprietary concern by the office of DGFT as an identity document for opening of account.    
c The complete Income Tax return (not just the acknowledgement) in the name of the sole proprietor where the firm's income is reflected, duly authenticated/ acknowledged by the Income Tax Authorities.    
d Utility bills such as electricity, water, and landline telephone bills in the name of the proprietary concern.    
2 For Partnership firms: All of below:
a) Registration certificate (any one document mentioned in point 1)
b) Partnership deed; and
c) An officially valid document in respect of the person holding an attorney to transact on its behalf.
   
3 For Companies: All of below:
a) Certificate of incorporation;
b) Memorandum and Articles of Association;
c) A resolution from the Board of Directors and power of attorney granted to its managers, officers or employees to transact on its behalf; and
d) An officially valid document in respect of managers, officers or employees holding an attorney to transact on its behalf.
   
4 For HUF: All of below:
a) PAN Card of HUF
b) HUF Deed
cc) Identity and address proof of karta to be taken as per list of acceptable documents given for individuals.
   
5 For Trusts/Foundations: All of below:
a) Registration certificate;
b) Trust deed; and
c) An officially valid document in respect of the person holding a power of attorney to transact on its behalf.
   
6 For Unincorporated association or body of individuals : All of below: (a, b and c mandatory and "d" as per requirement)
a) Resolution of the managing body of such association or body of individuals;
b) Power of attorney granted to him to transact on its behalf;
c) An officially valid document in respect of the person holding an attorney to transact on its behalf; and
d) Such document may be required to collectively establish the legal existence of such an association or body of individuals.
   
  Optional/ Additional Docs    
1 PAN Card of partnership firm or companies can be taken as proof of existence.(In this case separate proof of registered address needs to be taken)    
2 Sales tax registration Certificate / SSI Registration Certificate    
3 Shop & Establishment Certificate / Factory Registration Certificate    
4 Importer - Exporter Code Certificate    
5 Latest bank a/c statement in the name of entity with full add mentioned which matches with the entity address as per AF along with bankers verification of the authorised signatory of the entity    
6 Importer - Exporter Code Certificate    
7 VAT/SERVICE TAX registration certificate    
Sr. No Other documents : Proof of Operating Address    
1 1) Telephone Bill // 2) Electricity Bill in the name of the entity    
2 1) IT Assessment Order // 2) PAN Intimation Letter // 3) Acknowledged ITR of the Entity    
3 Leave & License agreement in the name of the entity if the entity is operating its business from a rented premises & the agreement is registered / notarised. Wherever notarised Leave & License agreement is taken, the notarisation should be in original & the agreement should be executed on a stamp paper as per the respective State Stamp Act. Leave & license agreement is acceptable upto 30 days post expiry provided there is no change in address.    
4 Latest Bank Account Statement in the name of the Entity with full address mentioned which matches with the entity's address as per the Application form along with Banker's Verification of the Authorized Signatory of the entity    
5 In case of Self Proprietorship concerns, proof of the operating address could be taken in the individual's name as long as the Office FI is positive at the address from where the individual is operating his business. This should match with the office address given by the individual as per the Application form. Office FI in this case should not be negative on account of applicant not running his business from the same premises.    
Sr. No Business Continuity Proof    
1 >= 3 year IT returns with CA attested computation of income    
2 Certificate of business continuity issued by Bank    
3 Excise Registration certificates // Sales Tax Registration certificates    
4 Vat / Service Tax Registration // Small Scale Unit Registration Certificates    
5 Certificate of Practice    
6 Shops and Establishment certificate    
  # Plz note the following documents should be more than 2 months old if collected    
7 # Electricity bill in the name of the entity    
8 # Telephone bill(Including Landline/WLL/Post-paid Mobile) in entity name    
9 # Bank Statement in the name of entity    
10 # Sales Tax receipt / Excise tax Challan / IT assessment order    
Sr. No Ownership Documents (either residential or office to be collected)    
1 Sale deed / Sale Agreement / Allotment letter issued by housing boards (such as DDA, MHADA etc).    
2 Municipal tax receipt/ Property tax receipt/(Electricity Bill for Bangalore, Chandigarh, Ludhiana, Mumbai, Pune, Ahmedabad, Baroda, Surat)    
3 Share certificate/Allotment letter issued by housing societies    
4 Electricity Bill for location Mumbai, Pune, Banglore, Chandigarh    

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