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How to Complete Re-KYC with LIC Housing Finance and Request a Complete Photocopy Set of Property Documents – Process, Documents, Application & FAQ

Home loan relationships can continue for many years. During this period, a housing finance company may require borrowers to update their Know Your Customer (...

Bison Technical Team Enterprise IT specialists

Updated 19 Aug 2026 13 min read 1 total views

Home loan relationships can continue for many years. During this period, a housing finance company may require borrowers to update their Know Your Customer (KYC) information or complete Re-KYC / periodic KYC updating.

At the same time, a borrower may need copies of the property documents that were submitted to the lender while obtaining the home loan. These documents may be required for personal records, legal verification, property-related transactions, taxation, succession planning, refinancing, or simply to maintain a complete record of the property.

This article explains two related but separate requirements:

Completing Re-KYC for one or more home loan accounts
Requesting a complete photocopy/copy set of property documents held by the housing finance company

The exact documents, procedure, charges and availability of copies can vary depending upon the loan account, branch, type of property and applicable lender procedures. Therefore, borrowers should confirm the current requirements directly with LIC Housing Finance Ltd. before submission.

1. What Is Re-KYC?

KYC stands for Know Your Customer. Financial institutions maintain identification and address information about their customers as part of regulatory compliance and customer due-diligence requirements.

Re-KYC generally refers to updating or reconfirming KYC information already available with the financial institution.

A lender may need updated information relating to:

Customer's name
Residential address
Permanent address
PAN
Identity proof
Address proof
Mobile number
Email address
Photograph
Signature
Other information required under the lender's current KYC procedure

The exact requirement depends upon the customer's circumstances and the institution's applicable procedure.

2. Why Can Re-KYC Be Required for an Existing Home Loan?

A home loan may continue for 10, 15, 20 years or even longer. During such a long relationship, customer information can change.

For example, a borrower may have changed:

Residential address
Mobile number
Email address
Identity document
Signature or other customer information

Even where nothing has changed, the lender may require confirmation or updating of customer information according to its applicable KYC requirements.

Therefore, receiving a Re-KYC request does not necessarily indicate any problem with the home loan.

3. Re-KYC for Multiple Loan Accounts

A customer may have more than one loan account with the same housing finance company.

When submitting a Re-KYC request, it is advisable to clearly mention every relevant loan account number in the application and covering email.

For example:

“I request you to kindly update/complete my Re-KYC formalities in respect of both the home loan accounts mentioned below.”

The individual loan account numbers can then be listed.

This reduces the possibility of KYC being updated against one account while another account remains pending.

If the lender requires separate forms for individual loan accounts, borrowers should follow the branch's instructions.

4. Documents Commonly Considered for Re-KYC

Depending upon the lender's requirements and whether customer information has changed, documents requested may include:

PAN Card
Aadhaar Card
Passport
Voter ID Card
Driving Licence
Other acceptable officially valid documents
Recent photograph
Address proof
Signed Re-KYC/KYC form
Loan account details
Customer/borrower identification details

Documents may need to be self-attested.

However, customers should not assume that every document listed above is mandatory. The required documents should be confirmed from LIC Housing Finance for the particular account.

5. Check Whether Your Details Have Changed

Before completing Re-KYC, verify whether there has been any change in:

Name
Residential address
Permanent address
PAN details
Mobile number
Email address
Signature
Identification documents

If something has changed, mention it clearly rather than merely submitting old KYC documents.

If there is no change, follow the lender's procedure for confirming the existing information.

Requesting Photocopies of Property Documents

6. Why Are Original Property Documents Kept by a Home Loan Lender?

Depending on the nature and structure of a property loan, certain original title/property documents may be deposited with the lender as part of the security documentation for the loan.

The exact documents held by the lender vary from case to case.

They may relate to:

Ownership
Title
Sale/purchase transaction
Construction
Allotment
Possession
Previous ownership chain
Mortgage/security creation
Loan documentation

Because these documents can remain with the lender for a long period, borrowers should maintain their own copies wherever possible.

7. Can a Borrower Request a Photocopy Set?

A borrower who requires copies of documents held in connection with a loan account can submit a written request to the lender.

The request should clearly identify:

Borrower's name
Loan account number
Property/loan reference
Contact number
Email address
Nature of documents required
Request for information about applicable charges and formalities

Rather than requesting only one specific document, a borrower seeking a complete record may request a complete photocopy/copy set of all property-related documents available in the lender's custody against the specified loan account.

8. What Property Documents Should Be Requested?

A comprehensive request can ask for copies of all available property-related documents, including, wherever applicable:

Sale Deed
Conveyance Deed
Title Deed
Agreement to Sell
Builder-Buyer Agreement
Allotment Letter
Possession Letter
Previous title/chain documents
Registered property documents
Approved building plans
Sanction-related property documents
Mortgage/security documents
Property-related declarations
Other title or ownership documents
Any other property papers deposited with the lender

Not every loan file will contain every document mentioned above.

For this reason, wording such as “all property/title documents available in your custody against the loan account” is useful.

9. Clearly Specify the Relevant Loan Account

This becomes particularly important when the borrower has multiple loans.

For example, a borrower may request Re-KYC for two loan accounts, but require photocopies of property documents for only one specific loan account.

In that situation, the email/application should separate the two requests.

Request 1 – Re-KYC

Mention both loan account numbers for which Re-KYC is required.

Request 2 – Property Documents

Clearly state:

“I also request a complete photocopy/copy set of all property-related documents lying in your custody specifically against Loan Account No. XXXXXXXX.”

This prevents confusion regarding which property's papers are required.

10. Request a Complete Set Instead of Selected Documents

If your objective is to maintain a proper personal record, avoid simply writing:

“Please provide my property papers.”

A more comprehensive request would be:

“Please provide a complete photocopy set of all property documents, title documents, agreements, registered papers, mortgage/security documents and any other property-related papers lying in your custody against the above-mentioned home loan account.”

This makes the scope of the request clearer.

11. Ask for Applicable Charges in Advance

The lender may have a procedure or applicable charges for document retrieval, photocopying, certification, processing or other services.

Therefore, the application can state:

“I am willing to pay the applicable photocopy/processing charges, if any. Kindly inform me of the applicable charges and required formalities.”

Do not assume that the service is free or that a particular fee will apply. Confirm the current charges directly with the lender.

12. Submit the Request Through an Appropriate Channel

Depending on the facilities currently offered by the lender, the request may need to be submitted through an appropriate branch, customer-service channel, email, portal, or another authorized method.

For property-document requests, the branch handling the loan may need to identify where the physical documents are stored.

Therefore, borrowers should obtain confirmation about:

Where the request should be submitted
Whether a signed application is required
Whether identity verification is required
Whether the borrower must visit personally
Whether documents can be collected by an authorized representative
Whether any charges apply
How the copies will be provided

13. Keep Written Proof of Your Request

Whenever possible, maintain a record of:

Signed application
Email sent
Attachments submitted
Acknowledgement
Reference/ticket number
Date of submission
Branch details
Payment receipt, if any
Communication received from the lender

This can be useful for follow-up.

14. Do Not Send Unnecessary Personal Documents

KYC documents contain sensitive personal information.

Send documents only through communication channels that you have verified as belonging to the lender, and submit only documents actually required for the process.

Avoid unnecessarily sharing Aadhaar, PAN, signatures, property papers or other confidential information with unknown email addresses, individuals or unverified third parties.

15. Check Documents Before Submission

Before submitting your Re-KYC request, verify:

Correct loan account number(s)
Correct customer/borrower name
KYC form is properly filled
Required signatures are present
Copies are clear and readable
Self-attestation is completed where required
Required photographs are attached
Current contact information is provided
Required supporting documents are enclosed

For a property-document request, separately verify that the correct loan account number associated with the required property documents has been mentioned.

16. Suggested Structure of the Request

A combined Re-KYC and property-document request can be organized into two clear sections.

Part A – Re-KYC

State that you wish to complete/update Re-KYC for the specified loan accounts and that the required documents are being submitted.

Part B – Property Document Copies

State that you require a complete photocopy/copy set of all property documents held against one specified loan account.

Also request information regarding:

Applicable charges
Processing procedure
Expected method of delivery/collection
Additional documentation required

Sample Application Format

To
The Branch Manager
LIC Housing Finance Ltd.
[Branch Address]

Subject: Request for Re-KYC of Home Loan Accounts and Photocopy Set of Property Documents

Respected Sir/Madam,

I request you to kindly complete/update my Re-KYC formalities in respect of the following Home Loan Accounts:

Loan Account No.: XXXXXXXXXXXX
Loan Account No.: YYYYYYYYYYYY

I am submitting the required KYC documents along with this request. Kindly update my KYC records for both the above-mentioned loan accounts.

Further, I request you to kindly provide me with a complete photocopy/copy set of all property documents, title documents, agreements, registered papers, mortgage/security documents and other property-related documents available in your custody against Home Loan Account No. XXXXXXXXXXXX.

I am willing to pay the applicable photocopy, retrieval or processing charges, if any. Kindly inform me about the required formalities and applicable charges.

Please acknowledge my request and advise me regarding any additional documents or formalities required from my side.

Thanking you,

Yours faithfully,
[Borrower's Name]
[Address]
[Mobile Number]
[Email Address]
[Date]

Sample Email Format

Subject: Request for Re-KYC of Home Loan Accounts and Complete Photocopy Set of Property Documents

Dear Sir/Madam,

I request you to kindly complete/update my Re-KYC formalities for the following Home Loan Accounts:

Loan Account No.: XXXXXXXXXXXX
Loan Account No.: YYYYYYYYYYYY

The required Re-KYC documents are attached/submitted for your kind consideration. Kindly update the KYC records for both loan accounts.

Further, I request you to provide me with a complete photocopy/copy set of all property-related documents available in your custody against Loan Account No. XXXXXXXXXXXX, including applicable title documents, agreements, registered papers, mortgage/security documents and other property-related documents maintained against the loan.

I am willing to pay the applicable charges, if any. Kindly advise me regarding the charges, required formalities and procedure for obtaining the documents.

Please acknowledge receipt of my request and inform me if any additional documents or information are required.

Regards,
[Borrower's Name]
[Mobile Number]
[Email Address]

Frequently Asked Questions (FAQ)

1. What is Re-KYC?

Re-KYC generally means updating or reconfirming the Know Your Customer information already maintained by a financial institution.

2. Why can LIC Housing Finance ask an existing borrower for Re-KYC?

KYC information may need periodic confirmation or updating during a long-term customer relationship. The specific reason and procedure should be confirmed with LIC Housing Finance.

3. Is Re-KYC the same as applying for a new home loan?

No. Re-KYC relates to updating or confirming customer information for an existing relationship; it is not, by itself, a fresh home-loan application.

4. Can I request Re-KYC for two loan accounts together?

You can mention both accounts in your request. Whether one form is sufficient or separate documentation is required for each account should be confirmed with the lender.

5. Which documents are required for Re-KYC?

Requirements can vary. PAN, identity/address documents, photographs and a completed KYC/Re-KYC form may be requested depending on the applicable procedure.

6. Should KYC photocopies be self-attested?

If the lender requires self-attested copies, sign them as instructed. Confirm the current submission requirements before sending documents.

7. Can I update my mobile number or email during Re-KYC?

If your contact details have changed, inform the lender and follow its prescribed procedure for updating them.

8. Can I update my address during Re-KYC?

Where your address has changed, appropriate current address documentation may be required. Confirm acceptable proof with the lender.

9. Can I request copies of property documents held against my home loan?

A borrower can submit a request seeking copies of property documents available with the lender. Availability, charges and procedure should be confirmed for the specific loan account.

10. What should I mention in a property-document request?

Mention the borrower's details, correct loan account number, documents required, contact details and a request for information about charges and formalities.

11. Should I ask for individual property documents or a complete set?

If you need a comprehensive record, request a complete photocopy/copy set of all property and title-related documents available in the lender's custody against the specified loan account.

12. What documents can be included in a property file?

Depending on the property and loan, the file may contain title deeds, sale/conveyance documents, agreements, allotment documents, mortgage/security papers and other property-related records.

13. Will every property file contain the same documents?

No. The documentation varies according to the property type, ownership history, transaction, loan structure and documents originally deposited.

14. Are photocopies of property documents free?

Charges may apply depending upon the lender's current policy and the nature of the request. Ask the lender to confirm applicable charges before processing.

15. Can Re-KYC and a property-document request be made together?

Yes, they can be included in the same communication, but the two requirements should be clearly separated to avoid confusion.

16. What if I have two loans but need property documents for only one?

Clearly mention both loan numbers under the Re-KYC request and separately identify the single loan account for which property-document copies are required.

17. Should I retain proof of the request?

Yes. Keep copies of applications, emails, acknowledgements, reference numbers and payment receipts.

18. Can another person collect the documents for me?

This depends upon the lender's authorization and identity-verification procedure. Confirm whether an authorization letter or other documentation is required.

19. Should I send Aadhaar and PAN through any email address that contacts me?

No. Sensitive KYC documents should be sent only through communication channels you have independently verified as belonging to the lender.

20. What should I do if there is no response to my request?

Follow up through the lender's applicable customer-service or grievance channel and retain the acknowledgement/reference details from your original request.

Important Precautions

Before submitting any Re-KYC or property-document request:

Verify the loan account numbers carefully.
Verify the official submission channel.
Do not disclose OTPs, passwords, PINs or banking credentials.
Keep copies of everything submitted.
Obtain an acknowledgement wherever possible.
Verify applicable charges directly with the lender.
Never hand over original identity documents unless specifically required under an authorized procedure; if originals are shown for verification, ensure they are returned.
Check that Re-KYC has been updated for all applicable loan accounts, particularly when you have multiple accounts.
Clearly specify the loan account against which property-document copies are required.

Disclaimer

This article is provided for general educational and informational purposes only. KYC requirements, documentation, charges, procedures and property-document retrieval processes may change and may differ according to the borrower, loan account, branch, property and applicable regulatory or institutional requirements.

The information in this article should not be treated as legal, financial or regulatory advice. Before submitting documents, making payments or proceeding with any request, borrowers should verify the latest requirements directly with LIC Housing Finance Ltd. and/or the concerned branch or authorized representative.

The publisher/author of this article shall not be responsible for any error, omission, procedural change, financial loss, delay or consequence arising from reliance on this information.