Pre-Disbursement Disclosure means the document that I will receive which identifies the interest rate for my loan, the number of payments that I must make, the number of years within which the payments must be made and other information. Post Disbursal Document(s) (PDD) means document(s) which are required to be submitted by the borrower after the disbursement of the loan. Most banks require address proof, identity proof, income proof documents, a duly filled loan application form along with passport-size photographs to process a personal loan. Documents Verification Process: The bank takes 1 or 2 days to analyse the documents provided and forwards it to the verification department.