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Lenders typically require documents that are current and updated to ensure the information reflects your latest financial and personal status. Salary slips and bank statements should usually be from the last 3 to 6 months, while income tax returns should be for the most recent 1 to 3 assessment years. Identity and address proofs should be valid and not expired, particularly in the case of documents like passports or driving licenses. Utility bills submitted as address proof should ideally be no older than 3 months.

Yes, most banks and financial institutions now accept digital copies of required documents, especially when the application is made online or through mobile apps. You can upload scanned versions or clear photographs of your documents in the prescribed file format (usually PDF or JPEG).

If you’re missing one or more of the required documents, don’t worry—you still have options. First, contact the lender to explain your situation and ask if there are acceptable alternatives or substitute documents you can provide. In some cases, lenders may allow you to apply with a co-applicant or guarantor who can provide the required documentation. However, be prepared for higher interest rates or lower loan limits in such cases. It’s always best to organize your paperwork in advance or request updated documents from the relevant authorities to avoid delays.