REQUEST TO ADD A CO-APPLICANT
Request date: 1 April 2026
To ABC Bank Ltd, Sector 17, Chandigarh.
Primary borrower: Aarav Sharma, Sector 21, Panchkula. Phone: +91 XXXXX XXXXX; email: aarav@example.com. Application: HL-2026-118
Proposed co-applicant: Naina Sharma, Sector 21, Panchkula. Relationship: Spouse. Requested role: Joint borrower and co-owner/co-purchaser.
CO-APPLICANT FINANCIAL PROFILE
Stated monthly net income: ₹1,50,000 (Rupees One Lakh Fifty Thousand only). Income source: Self-employed architect; professional receipts.. Existing obligations: Nil..
PROPERTY / LOAN ALIGNMENT
Ownership position: Co-applicant is/will be co-owner. Loan stage: Before sanction.
DOCUMENTS AND CONSENT
Documents: PAN/passport ID, ITRs, bank statements, marriage certificate.. Consent status: Co-applicant will sign lender's application, KFS/loan and security documents as required.
Please assess the proposed addition and issue the revised application/sanction/documentation requirements if accepted.
PERSONAL DATA NOTICE
This notice is given under the Digital Personal Data Protection Act, 2023.
Personal data in this document is collected only to request and administer addition of the proposed co-applicant to the stated loan application, communicate about that purpose, verify expressly supplied lending and property information, and retain an evidentiary application record.
The record will be held by Kagaznama and may be shared only with the applicant, co-applicant, lender or housing-finance company, authorised loan-processing agent, employer or income verifier, advocate, valuer, technical professional, insurer, registering authority, Central Registry/CERSAI-related service, or other person directly involved in the stated loan process.
If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased. If it proceeds, the record will be retained for the loan process plus 12 months, except where a statutory, regulatory or lender record-retention rule requires a longer named period.
A person named here may withdraw consent for future consent-based processing, request correction or erasure where the purpose has ended, or raise a grievance by writing to privacy@example.com. The record-holder should acknowledge and respond within 30 days.
Data minimisation: this template does not require a full Aadhaar number, Aadhaar-card copy, passwords, PINs, OTPs or complete bank-login credentials. Only masked account/identity references genuinely required for the loan process should be inserted.
Personal-data instruction: I consent to the collection and use described in the Personal Data Notice.
Record-holder: Kagaznama
SIGNATURE
______________________________
Signature
Borrower: Aarav Sharma
Place: ____________________
Date: 1 April 2026