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If the request is withdrawn, declined or does not proceed, personal data will be retained for 90 days and then erased.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.