Loan & account documents
Sanction letter, latest statement, NPA classification letter from Kotak Mahindra Bank, prior settlement correspondence.
Financial documents
Last 3 years ITR, audited financials (business), 6–12 months bank statements, salary slips (individual).
Security documents
Title deeds / RC / hypothecation documents, latest valuation report, encumbrance certificate.
Hardship narrative
1–2 page written explanation: cause of default, current cashflow, recovery plan.
Source-of-funds plan
Where the settlement amount will come from: promoter, asset sale, takeover finance, family.
Identity & KYC
PAN, Aadhaar, address proof, latest photograph.