Eligibility & Documentation Checklist
Gajet Financial Services follows a simplified, transparent appraisal protocol. Review the standard identification requirements and facility-specific records required to process your facility swiftly.
Mandatory Customer KYC (Applicable to All Facilities)
Every borrower and co-applicant must provide standard officially valid documents (OVD) to satisfy Reserve Bank of India identification norms:
Required Documents by Facility Type
Prepare these specific documents alongside your mandatory KYC before visiting a counter branch or submitting your preliminary request.
Gold Loans
Instant liquidity facilitated directly at the counter against pledged physical gold ornaments.
- Primary borrower Aadhaar & PAN card
- Physical gold articles/ornaments for certified carat assessment
- Active savings bank account details for direct fund transfer
- No cumbersome income certificates or audited books required
Business & MSME Loans
Structured credit lines for working capital, stock procurement, and enterprise capacity upgrades.
- Business Registration Certificate (GST, Udyam, or Trade License)
- Last 6 to 12 months primary current bank account statements
- PAN card and KYC of business entity & managing partners/proprietor
- Proof of operational business premises/tenancy deed
Personal Loans
Credit assistance designed for salaried professionals and self-employed individuals across Kerala.
- Last 3 to 6 months salary pay slips or verified earnings proof
- Last 6 months operative bank salary/savings account statement
- Employment ID card / establishment verification letter
- Permanent Address and current local residence confirmation
Vehicle & Equipment Loans
Financing for commercial passenger units, transport vehicles, and operational business machinery.
- Authorized dealer proforma invoice / equipment price quotation
- Valid Driving License / Commercial permit (for vehicle loans)
- Last 6 months operative bank statements showing cash flow
- Basic KYC of applicant and co-borrower / guarantor
Initiate Document Pre-Screening
Unsure whether your documents meet the necessary criteria? Submit your contact and requirement details. An appraisal advisor from our Palarivattom desk will verify eligibility before you visit the branch.
Borrowers are only required to present original documents at the counter for on-site visual verification.
You can also walk directly into any of our 12+ counter branches across Kerala with your records.