The paperwork is the part that feels daunting from abroad, but it's finite and predictable. Below is the working checklist we use, split by stage. Exact requirements vary by lender, bank, and your country — so treat this as your preparation baseline and let us confirm the precise list for your situation.
1Identity & NRI status
- Valid passport
- Valid visa or work permit
- OCI or PIO card (if applicable)
- PAN card
- Overseas address proof
- Passport-size photographs
2Banking & funds
- NRE / NRO / FCNR account details
- Recent overseas bank statements
- NRE / NRO account statements
- Source-of-funds documentation
3If you are taking a home loan
- Employment contract / appointment letter
- Recent salary slips (or business proof if self-employed)
- Overseas and NRE/NRO bank statements
- Credit / income documentation as the lender requires
- Power of Attorney (where the lender needs an India representative)
4Buying remotely (Power of Attorney)
- Power of Attorney, attested at the Indian consulate/embassy
- ID proof of your appointed POA holder
- Specific, transaction-limited POA scope confirmed with your lawyer
5Transaction & registration
- Agreement to sell
- Developer's title documents and sanctioned plan (developer provides)
- RERA registration details of the project
- Cost sheet and payment schedule
- Stamp duty and registration payment records
6Tax & future repatriation
- PAN (again — needed throughout)
- TDS records for the purchase
- Form 15CA / 15CB when you later sell and repatriate
Verification required. Document requirements differ by lender, by bank, and by your country of residence, and can change. Sidus coordinates a qualified CA and lawyer for your transaction — we do not provide legal or tax advice ourselves. Confirm the exact list for your case with them before you commit.
Power of AttorneyHow to buy without flying in
NRI home loansLoan documents and process
Full buying guideThe complete process
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