Representatives from Bank of Punjab or listed below verification companies may contact

applicants for Physical Verification and obtaining required documents:

1. ICIL
2. Cloud Data
3. RMS
4. BCIL

Physical Verification Agency / Bank officer will collect following

documents/information on behalf of bank. Kindly do not pay
any cash/money there against. In case any agent/officer
demands any Money/Cash kindly immediately launch
complaint on 111-276-200 (Please note that this will not impact
your loan processing criteria.)

Documentation Required from Successful Applicants of KY-YES

General
 CNIC copy (Applicant)
 1 passport size photograph
 NTN Certificate Copy (if available)
 Copy of last 03 Months Paid Utility Bills (Electricity or water or gas) of Residence (latest
web generated Bills may be accepted)
 Educational degree/ relevant qualification, if any
 Certificate of Training /Professional License, if any
 If industry selection is IT/ E Commerce: Copy of Matric or equivalent Certificate OR 6
months Experience Certificate.
 Other Verifiable sources of income i-e Salary, Rental Income, Foreign Remittance,
Agricultural Income, Income from Business, Pension or Saving Certificates (DSC, SSC, RIC,
PIB)
 Documentary evidence of residence status:
o If living in own premises, copy of title documents,
o If living in rented premises, copy of rent agreement,
o In case of Rural Property letter from concerned Union Council verifying that the
applicant is the resident of that address
o Any other supporting document as applicable
 Appointment Letter / Service card (in case of currently employed) / Experience Letter /
NOC from last employer (in case of previously worked but currently un-employed)
 Bank account statement (Personal and Business both) verified (Sign & Stamp or Electronic
Signatures) by the issuing authority, mentioning current balance or evidence of any profit
bearing investments made(in case of profits through other investments), verified salary
slip from relevant organization.
 Title documents of offered security along with CNIC copy of owner. (In case of Loan above
Rs. 500,000/- except Vehicles)
 Quotation from Vehicle Manufacturing Company (if applicable)
 CNIC Copy of 2 References

Additional Documents for New Business

 Documentary evidence of business place proposed
 Complete list of assets, quantities and cost of new business
 Applicant or Auditor signed estimate of new business revenues and expenses (monthly /
annually)
 Applicant & / or Auditor signed Business feasibility / Financial Projections
Additional Documents for Expansion of Existing Business
 Evidence of doing own business
 Documentary evidence of business place in case of existing business. E.g If rented
premises, copy of rent agreement with photocopy of landlord CNIC; If owned premises,
copy of title documents; or any other supporting document as applicable
 Ledgers of business
 Copy of registered partnership deed (For partnership concern only)
 Applicant & / or Auditor signed Accounts / Financial Statements (For existing business
only)
 Brief business profile along with list of Major Suppliers / Customers.
 Copy of last 03 Months Paid Utility Bills (Electricity or water or gas) of Business (latest web
generated Bills may be accepted)