Co-Applicant should be:

• Resident Indian
• POA holder
• Immediate relative

Type of Individual	Proof of Identity (PI)	Proof of Address (PA)	Other requirements
Mariners who are Indian Nationals	Valid Indian passport	PA document for permanent residence as per norms specified.	CDC (Continuous Discharge Certificate) Latest contract letter Declaration letter If a permanent employee, then following is required: Initial work contract Last wage slip (within last 6 months) If a contract employee, then following is required: Last work contract, if it has expired not more than 5 months ago as on date of account opening PROVIDED CDC is valid OR if the customer holds a valid visa and immigration seal is within last 6 months. If work contract letter expires more than 5 months prior to account opening, a letter from local agent confirming next date of joining vessel or current work contract letter.
Non-Resident Indian Nationals – other than persons resident in Nepal and Bhutan.	Valid Indian passport	PA document for overseas address (mandatory) and Indian address (if provided), as per norms specified for Resident Individuals. Additionally work permit, Valid visa, University certificate and Employment contract letter are also acceptable as PA for overseas address.	Work Permit, Visa or equivalent evidencing legal right to stay in the country of residence specified.
Individual going abroad for employment for the first time	Valid Indian passport	PA document for permanent residence as per norms specified for Resident Individuals. Additionally address mentioned on the employment letter from the prospective employer (duly signed by the employer as well as employee) may be used as PA for the overseas address	Work Permit, Visa or equivalent evidencing legal right to stay in the country of residence specified. In case, the Visa provided by customer is issued by countries approved by Compliance and is valid for is less than 182 days: Valid entry permit/visit visa into the prospective country of employment Employment letter from the prospective employer Copy of the flight ticket to the country of employment Customer declaration as per Appendix B9
Non-Resident Persons of Indian Origin (non-Indian nationals) – other than persons resident in Nepal and Bhutan.	Valid foreign passport or equivalent document issued by country of nationality.	PA document for overseas residence and Indian address (if provided), as per norms specified for Resident Individuals Additionally work permit, Valid visa, University certificate and Employment contract letter are also acceptable as PA for overseas address.	PIO Card or any other proof of Indian Origin i.e., proof that either the customer held an Indian passport in the past or his/her parent/grandparent was/is a citizen of the Republic of India or that he/she is the spouse of a person of Indian origin OR PIO declaration as specified in the NRI account opening form. Prior approval from RBI, in case of nationals of Pakistan or Bangladesh.

 

Age proof (any of the following):

• Valid Passport
• Driving license
• Birth certificate
• School leaving certificate

Proof of Identity (PI) norms for resident individuals/POA holders

Any one of the following –

• Valid Indian Passport
• Photo PAN card
• Voter's Identity Card
• Valid Driving license
• Photo Ration Card with photograph of the accountholder
• Defence Identity card
• Identity card issued by a government department/ government company to its employees which includes the date of birth.

Proof of address (PA) norms for resident individuals/POA holders

Any one of the following –

• Valid Indian Passport
• Landline or post-paid mobile/WLL telephone bill not more than 6 months old
• Bank account/Credit card statement (not more than 6 months old) or passbook (with entries not more than 6 months old)
• Utility (water/electricity/gas) bill (not more than 6 months old)
• Ration card
• Property tax bill received from a Government department (not more than 12 months old)
• Pension payment order/book/card issued by the State/Central Government.
• Last available Income Tax Assessment order or PAN allotment letter carrying address of the accountholder
• Bill issued by a co-operative housing society for monthly dues (not more than 6 months old)
• Life insurance policy (not more than a year old) or Premium renewal notice (not more than 12 months old)
• Valid registered lease deed in the name of the account holder along with utility bill in the name of the landlord

Credit bureau record:

• Customer bureau score required if residing in US, Canada, UK or the EU.
• Customer to provide bureau score from Fico, Equifax or Tran's union.

Please note:

• The list of documents provided above is only indicative and meant for your easy reference. Further documents may be required for your loan processing based on your profile, property type and the bank's internal policies.
• All Loans/ facilities will be at the Sole Discretion of BARCLAYS. The Bank reserves the right to accept or reject any application. Terms and conditions for BARCLAYS Loans are subject to RBI guidelines and / or Bank policies and are subject to changes from time to time.