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होम / Tools / Document checklist

Document checklist

In most cases: nothing to upload at all.

creditthirty.com/document-checklist Last updated 31 July 2026
01

The normal path — zero documents

Verification runs digitally with your consent, so there is nothing to photocopy, scan, sign or courier. You will need your PAN number, your Aadhaar-linked mobile number, and the details of a bank account in your own name.

02

When payslips are needed

If you are paid in cash, or if a bank connection cannot confirm a steady income, we ask for your last three payslips instead — plus employer verification, so a single document can never clear an application on its own.

03

How uploaded payslips are checked

A self-uploaded file is never trusted alone. Four checks run before the income is accepted.

✓Consistency — the same employer and PAN across all three, matching what you declared
✓Arithmetic — gross minus deductions must equal net; variance over 25% is flagged
✓File forensics — edited after issue, missing text layer, or an editor named in the file's producer field
✓Re-use — the document hash has already been seen on another application
Any flag sends the application to manual review within 48 hours rather than an automatic rejection, because honest scans trip these checks too. A re-used document is declined and fraud-flagged.
04

What we never ask for

We do not ask for your contact list, photo gallery, messages or call logs, and we never need your account password, card number, UPI PIN or OTP. Anyone requesting these on our behalf is not acting for us.

05

Do I need to upload my Aadhaar card?

No. Aadhaar verification runs through DigiLocker with your consent, using the mobile number linked to your Aadhaar. We never ask for a photocopy or an image of the card itself.

06

What if my salary is paid in cash?

You can still apply. Instead of a bank read, we ask for your last three payslips and verify them with your employer, using the checks described above.