Requirements vary between states, developers, banks and sub-registrar offices, so treat this as a starting point and confirm the exact list for your transaction. Keep scanned copies of everything in one secure folder - you will need many of these documents again when you sell or repatriate.
At a glance
| Document | Purchase / booking | Home loan | Registration | Sale & repatriation |
|---|---|---|---|---|
| PAN card | Yes | Yes | Yes | Yes |
| Passport (with visa / residence permit / work permit) | Yes | Yes | Yes | Yes |
| OCI card (for OCI cardholders) | Yes | Yes | Yes | Yes |
| Proof of overseas address | Yes | Yes | Often | Yes |
| Indian address proof / Aadhaar (if available) | Optional | Often | Often | Optional |
| Passport-size photographs | Yes | Yes | Yes | Yes |
| NRE / NRO / FCNR(B) bank statements | Yes | Yes | - | Yes |
| Inward remittance proofs (FIRC / bank advice) | Keep | - | - | Yes |
| Employment contract / salary slips / salary certificate | - | Yes | - | - |
| Overseas bank statements (salary account) | - | Yes | - | - |
| Overseas tax return / credit report | - | Some lenders | - | - |
| Power of Attorney (stamped / registered) | If applicable | If applicable | If applicable | If applicable |
| Allotment letter & payment receipts | Yes | Yes | Yes | Yes |
| Agreement for sale (registered) | Yes | Yes | Yes | Yes |
| Sale / conveyance deed | - | Lender keeps original | Executed here | Yes |
| Possession letter, mutation, tax receipts | - | - | After | Yes |
| Tax Residency Certificate & Form 10F | - | - | - | For DTAA |
| Form 13 lower-TDS certificate | - | - | - | If obtained |
| Form 15CA / 15CB | - | - | - | For remittance |
1. Buying / booking
- PAN card (essential - PAN must be quoted when buying or selling property worth more than ₹10 lakh)
- Passport copy with visa or residence permit, or OCI card
- Proof of overseas address (utility bill, bank statement or residence ID)
- Photographs
- Bank details of your NRE/NRO account for payments and refunds
- Copies of the developer's RERA registration and project approvals (for your records)
2. Home loan
- Application form and photographs
- Passport, visa / work permit or OCI card; PAN
- Employment contract, recent salary slips and salary certificate
- Overseas bank statements (commonly last six months) and NRE/NRO statements
- Overseas tax return or equivalent; overseas credit report where requested
- For self-employed: business proof, financials and tax returns
- Property documents: allotment letter, agreement for sale, payment receipts, approved plans
- Co-applicant's KYC and income documents
3. Registration
- Sale or conveyance deed drafted and checked by a lawyer
- Stamp duty paid (e-stamp / challan as per state rules) and registration fee
- Identity documents and photographs of buyer and seller (or POA holders)
- PAN of both parties (or the prescribed form where PAN is not available)
- Original POA (stamped and registered where required) if an attorney is signing
- Two witnesses with ID
- Proof of TDS deposit where applicable
- No-objection certificates where applicable (society, lender, authority)
4. Selling and repatriating
- Original registered sale deed and the chain of title documents
- Purchase payment proofs: bank statements and FIRCs or bank certificates for each payment
- PAN; passport / OCI; proof of overseas address
- Form 13 certificate for lower TDS (if obtained) to give to the buyer
- TDS certificates from the buyer
- Home loan closure letter and release of the original deed (if there was a loan)
- Society / association NOC, latest property tax and utility receipts
- For remittance: Form 15CA, CA certificate in Form 15CB where required, and your bank's remittance request form
- For inherited property: will / probate or succession certificate and related documents
Tips for keeping your documents in order
- Make names match everywhere. Small differences between your passport, PAN and bank records (a missing middle name, a different spelling) cause delays at banks and sub-registrar offices. Correct them before you start.
- Keep certified copies. Notarised or attested copies of your passport, OCI card and overseas address proof are often requested; having a few ready saves time.
- Request remittance certificates as you pay. Ask your bank for a FIRC or remittance certificate for every payment at the time - it is much harder to obtain years later when you sell.
- Store originals safely in India. The original sale deed is the most important document you own; if a lender holds it, keep a certified copy and the list of documents deposited.
- Track expiry dates. Visas, residence permits and Tax Residency Certificates expire - keep current versions ready for the sale or remittance stage.
- Keep a digital index. A simple spreadsheet listing each document, its date and where the original is kept will help you, your family and your advisers.
Need help putting your file together? Talk to an NRIVEST advisor. For tax-related forms, consult a qualified chartered accountant.