Documentation for Saudi-based applicants centers on the Iqama (residence permit) and an employer-issued salary certificate. One thing that's changed recently: Saudi Arabia joined the Hague Apostille Convention in December 2022, which replaced the older full embassy attestation chain with a single apostille for most documents, including a POA.
Iqama copy is central to KYC, alongside your passport and residence visa.
Employer-issued salary certificate, typically bilingual (Arabic/English), plus Saudi bank statements.
SAR income is converted to an INR-equivalent for eligibility assessment.
Apostille since December 2022 — a meaningful simplification from the older attestation process.
Current Iqama (residence permit) copy plus passport — standard identity verification for Saudi-based applicants.
Employer-issued, often bilingual, confirming role, salary and tenure.
6 months of Saudi bank statements showing salary transfers (WPS-linked at many employers).
Since Saudi Arabia's accession to the Hague Apostille Convention took effect in December 2022, a POA notarized in Saudi Arabia can generally be apostilled directly rather than routed through the older UAE-style embassy attestation chain. This is a relatively recent change — confirm with your specific lender that their process reflects the updated apostille route rather than the pre-2022 procedure.
Major lenders serve Saudi-based applicants; several maintain broader Gulf-region NRI desks that cover Saudi Arabia alongside the UAE.
Compare all lendersGenerally no, since December 2022 — a single apostille now covers what previously required Saudi MOFA and Indian Embassy attestation. Some lenders' processes may still reference the older route, so it's worth double-checking.
Many employers issue it bilingually (Arabic and English), which is the safest format — an English-only certificate may need additional verification.
Yes for most steps, provided your documentation and attested POA are in order — some lenders may still require limited in-person action for specific stages.
Author: Himanshu Gupta · Reviewer: Sachin Gupta · Last verified: September 2026.