Income and Employment Declaration for a Loan

At a glance

Price: Free
Stamp duty: No duty as a declaration — not an instrument under s.2(14).
Registration: Not registrable (s.17, Registration Act 1908).
Witnesses: Not required; borrower signatures and documents matter more.

Free

Documents are free. Only kits are paid.

Free: up to 5 documents a day.

Guided questions, full draft on screen, download in Word.

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Also called

loan income declaration
employment declaration for mortgage
borrower income statement

When you need it

A signed statement of your employment/business status, income and debts, for a housing-loan or LAP assessment — matching salary slips, tax returns and bank credits, separating fixed from bonus/variable income. Don't inflate future salary or rental income; disclose any material job change before disbursement.

An applicant declaration, not an employer/CA certificate.

Whether you can fill this in here

You can fill this in here

You can fill this one in on this site, and read the whole draft on screen before you decide anything about it. It is a carefully drafted template; it is not advice about your own facts.

Fill this one in

See stamp duty, registration and witnesses

What follows is written for Punjab and Chandigarh. It states the position there rather than describing how it varies, so the amounts below are the ones that apply — worth confirming at the sub-registrar’s office, because rates change. If the property is anywhere else in India, none of this is yours.

Stamp duty

No duty as a declaration — not an instrument under s.2(14). Sworn on oath, it's an Article 4, Schedule I-A affidavit (Punjab). The loan agreement and security documents are stamped separately.

Registration

Not registrable (s.17, Registration Act 1908). The mortgage itself needs registration if Rs 100+, unless by deposit of title deeds — two witnesses (s.59, TPA 1882).

Notarisation

Only if the lender wants a sworn affidavit, not a signed declaration.

Witnesses

Not required; borrower signatures and documents matter more.

Request Stamp Paper

Sample preview — placeholder answers, not your data

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INCOME AND EMPLOYMENT DECLARATION FOR A LOAN

Declaration date: 2 April 2026

I, Aarav Sharma, of Sector 21, Panchkula, provide this declaration to ABC Bank Ltd, Sector 17, Chandigarh. Loan application: HL-2026-118. Phone: +91 XXXXX XXXXX; email: aarav@example.com.

EMPLOYMENT / BUSINESS

Status: Salaried employee. Employer/business: QRS Technologies Pvt Ltd, Industrial Area Phase 1, Chandigarh. Role: Senior Manager. Since: 1 April 2026.

INCOME

Gross monthly income: ₹3,20,000 (Rupees Three Lakh Twenty Thousand only). Net monthly income: ₹2,50,000 (Rupees Two Lakh Fifty Thousand only). Evidenced annual variable income: ₹3,00,000 (Rupees Three Lakh only). Other annual income: ₹2,40,000 (Rupees Two Lakh Forty Thousand only). Source: Residential rent from owned flat.

OBLIGATIONS

Existing loan/EMI obligations: Car loan EMI 18000..

EVIDENCE

Primary evidence: Salary slips and bank credits. Documents enclosed: Three salary slips, two Form 16s, six-month salary account statement..

EXPECTED CHANGE

Status: No material change presently expected.

I confirm that the figures stated above are presented for lender verification and should be read with the enclosed evidence.

PERSONAL DATA NOTICE

This notice is given under the Digital Personal Data Protection Act, 2023.

Personal data in this document is collected only to declare and verify income, employment and debt information for 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.