You’ve got your heart set on a new home—now it’s time to make sure you have the right paperwork in place. If you’re looking at a Bank of Baroda Home Loan, you’ll want to gather certain documents first.
To simplify your experience, we’ve gathered every document you’ll need into one clear checklist. Following this guide will help you avoid last-minute scrambles and keep your loan application on track.
Bank of Baroda Home Loan Documents – Resident Indian
Ready to apply for a Bank of Baroda home loan? Here’s a quick look at the paperwork you’ll need as a resident Indian—nothing complicated, just the essentials to prove who you are, what you earn, and the property you’re buying.
Application & Photos
Your first step—basic paperwork and pictures to kick-start the loan process.
| Document |
|---|
| Duly filled home-loan application form |
| Three recent passport-size photographs |
KYC – Identity & Address
One place for everything that proves who you are and where you live. Provide one document from each column.
| Identity Proof (choose any one) | Address Proof (choose any one) |
|---|---|
| PAN Card (mandatory if loan > ₹10 lakh) | Aadhaar Card |
| Aadhaar Card | Passport |
| Passport | Voter ID |
| Voter ID | Driver’s Licence |
| Driver’s Licence | Ration Card |
| Registered rent agreement |
Suggested Read: Bank of Baroda Home Loan Account Login
Existing Debt & Liabilities
Shows the bank your current obligations and overall financial health.
| Document |
|---|
| Previous-loan A/C statement (last 1 year) |
| Previous loan sanction letter |
| Assets & Liabilities statement |
| Proof of assets (LIC, NSC, KVP, mutual funds, property, etc.) |
Core Tax Documents
Confirms your tax compliance and declared income.
| Document |
|---|
| ITR verification report |
Income Proof – Salaried Applicants
Demonstrates steady salary inflow and job stability.
| Document |
|---|
| Last 3 months salary slips (plus 1 month for guarantor) |
| Form 16 + latest ITR (1 year) |
| Employer identity card |
| Appointment / confirmation / promotion / increment letter |
Income Proof – Self-Employed / Professionals
Shows business viability and consistent profits for entrepreneurs.
| Document |
|---|
| Balance Sheet & P&L + income computation (last 2 yrs) |
| ITR + 26 AS / Traces (last 2 yrs) |
| Business licences (Gumasta, GST/Service-tax, etc.) |
| IT assessment / clearance, income-tax challans, Form 16A / 26 AS |
Suggested Read: Bank of Baroda Home Loan Processing Fees
Income Proof – Agriculturists
Validates land ownership and farm-based income streams.
| Document |
|---|
| Village revenue certificates (past 2 yrs income + last-year certificate) |
| Land records – Form 6, 7/12, 8A |
| 12-month bank statement |
Bank Statements
Gives the bank a snapshot of your recent cashflows.
| Document |
|---|
| Last 6 months salary or personal A/C statement (or just BoB account number if already banking with BoB) |
Business-Entity Extras (Partnership / Pvt Ltd)
Additional proofs when a firm or company joins the loan.
| Document |
|---|
| Firm’s PAN card & address proof |
| Memorandum & Articles of Association |
| Audited financials + ITR (last 2 yrs) |
| Current A/C statement (last 1 yr) |
Takeover-Specific Documents
Needed only when transferring an existing home loan from another lender.
| Document |
|---|
| Existing loan A/C statement (last 12 months) |
| Lender-acknowledged list of property documents on file |
| Current lender’s sanction letter |
| Foreclosure letter (if available) |
Suggested Read: Bank of Baroda Home Loan Repo Rate Cut
Bank of Baroda Home Loan Documents – NRIs/ PIOs/ OCIs
Planning to buy or build back home with a Bank of Baroda NRI/PIO/OCI home loan? Here’s the checklist of documents you’ll need—covering ID, address, income, and a few NRI-specific extras—so you can sail through the approval process without last-minute scrambles.
Application & Photos
Basic starter kit—your signed form plus a clear ID photo.
| Document |
|---|
| Duly filled and signed home-loan application form |
| One recent passport-size photograph |
KYC – Identity & Address
Prove who you are and where you live—submit one document from each column.
| Identity Proof (choose any one) | Address Proof (choose any one) |
|---|---|
| Passport with valid visa stamp | Aadhaar Card |
| PAN Card | Passport (if address page shows current residence) |
| Voter ID | Voter ID |
| Driver’s Licence | Driver’s Licence |
| Ration Card / Registered rent agreement |
Suggested Read: Bank of Baroda Home Loan Application Process
Local Contact Details
Helps the bank reach someone in India if needed.
| Document |
|---|
| Name, relation, address & contact numbers of a local contact person |
Bank Statements
Shows steady inflows—both in India and abroad.
| Document |
|---|
| NRE savings-account statement – last 6 months |
| Overseas (salary) bank-account statement – last 6 months |
Existing Loans & Credit Check
Lets the bank gauge current liabilities and credit health.
| Document |
|---|
| Statements for all existing loan accounts – last 12 months |
| Credit report from an overseas bureau (e.g., D&B) – if already obtained |
PIO Proof (only if you’re a PIO)
Establishes Person-of-Indian-Origin status.
| Document (any one set) |
|---|
| Photocopy of valid PIO Card |
| Current passport showing place of birth in India/abroad |
| Earlier Indian passport (if held) |
| Parent or grandparent’s passport proving Indian origin |
Income Proof – Salaried NRIs
Demonstrates stable employment and earnings.
| Document |
|---|
| Copy of employment contract (vernacular language accepted) |
| Individual ITRs – last 2 years (India/overseas) |
| Certified salary slips – last 6 months |
| Employer identity card |
| Continuous Discharge Certificate (if applicable) |
| Latest work permit |
Income Proof – Self-Employed NRIs
Shows business viability and consistent profits.
| Document |
|---|
| Balance Sheets & P&L accounts – last 3 years |
| Individual ITRs – last 3 years (India/overseas) |
| Brief note on nature of business/profession |
| Business proof (any two valid registrations) + place-of-business address proof |
| Continuous Discharge Certificate (if applicable) |
Suggested Read: Bank of Baroda Home Loan Customer Care
Property and Title Documents
Shows the bank the property is legal, compliant, and worth financing. Collect the papers that match your deal type.
| Document | When It’s Needed |
|---|---|
| Agreement for Sale | All cases (ready, under-construction, self-construction) |
| Approved plan / blueprint (Town-Planning approval required; Gram-Panchayat alone not accepted) | Under-construction projects or self-construction |
| Non-Agriculture (NA) Certificate | Plots or houses converted from agricultural land |
| Commencement Certificate (CC) | Flats under construction (if applicable) |
| Completion Certificate | Ready / old flats or houses (if applicable) |
| Occupancy Certificate (OC) | Ready / old flats or houses (if applicable) |
| Latest property-tax paid receipt | Old flats or houses |
| Society Registration Certificate | Ready old flats (if applicable) |
| Share Certificate | Old co-operative flats (if applicable) |
| All payment receipts to builder / seller | New purchases & resale deals |
| Registered Development Agreement (builder) | If developer is involved and agreement exists |
| Chain of previous sale agreements | Resale flats / houses |
| Title-clearance report from an approved advocate | All cases |
| Valuation report from bank-approved valuer | All cases |
Suggested Read: Bank of Baroda Home Loan Eligibility Checklist
What to Do If Home Loan Documents Are Missing?
It’s easy to misplace or overlook paperwork when you’re juggling all the details of a home loan application. Missing documents, however, can delay your approval process or lead to a rejected application. If you find yourself in this situation, here’s what you can do:
- Identify what’s missing: Determine exactly which document(s) are absent (e.g., income proof, ID, bank statements).
- Request copies: Contact your bank, employer, or relevant government office to obtain duplicates.
- Ask for an extension: If near a deadline, request more time from your lender.
- Offer alternatives: Provide older records or alternate documents temporarily if acceptable.
Also Read: Property Documents for Home Loans: NRI vs Indians
What To Do If You’ve Lost Your Property Documents?
| Step | Action | Purpose | Benefit |
|---|---|---|---|
| File an FIR | – Visit your local police station – File a First Information Report (FIR) | – Officially document the loss – Establish legal record | – Legal protection – Prevent fraudulent use |
| Publish an Advertisement | – Place ads in two newspapers (one in a mainstream language, one in a local dialect) | – Publicly declare the loss as required by law | – Strengthens your claim – Boosts recovery chances |
| Submit to the Sub-Registrar | – Visit the sub-registrar’s office – Submit the FIR, newspaper ad copies, and a detailed application | – Formally declare your documents as lost | – Completes legal notification process |
| Apply for Duplicate Copies | – Attach an affidavit detailing the loss and recovery efforts – Submit an application for duplicate copies | – Replace the original documents after verification | – Restores legal ownership |
Suggested Read: How Long Does Home Loan Disbursement Take After Approval?
Documents to Secure After Closing Your Home Loan
- Original Property Documents: Retrieve the original documents submitted with your loan.
- No Dues Certificate (NDC): Secure confirmation that all dues have been cleared.
- Lien Removal Confirmation: Obtain proof that the mortgage lien has been removed.
- Updated Non-Encumbrance Certificate (NEC): Ensure the certificate reflects the closed loan.
- Loan Repayment Statements: Keep bank statements verifying complete repayments.
- Post-Dated Cheques: Collect any cheques provided during the loan process.
Suggested Read: Home Loan Closure Process
Conclusion
Buying a home is a big step. Getting a home loan can be hard, but we make it easy. At Credit Dharma, we make this possible by offering lowest guaranteed interest rates that keep your monthly payments manageable, allowing you to enjoy more of what truly matters.
But that is not it. We offer:
- Guaranteed up to 100% funding
- Receive lifetime assistance and expert guidance long after your loan is approved.
- Enjoy a fully digital process with minimal paperwork
- Get your loan approved within just 1-2 weeks.
Frequently Asked Questions
While some documents may be submitted digitally, it’s advisable to check with the Bank of Baroda for their specific requirements regarding physical versus digital submissions.
If you cannot provide a required document, it may delay your application or lead to rejection. It’s best to communicate with the bank and see if alternatives are acceptable.
Women applicants may need to provide additional documentation related to their marital status or property ownership, depending on the loan type and purpose.
Yes, the Bank of Baroda will conduct a verification process for property documents to ensure they are legitimate and that there are no legal issues.
Yes, Bank of Baroda allows customers to apply for home loans online through their website.
Applicants can fill out the application form, upload the required documents, and track the status of their loan application online.
Self-employed applicants need to provide business address proof, IT returns for the past three years, audited balance sheets and profit & loss statements, business licenses or professional practice certificates, establishment registration certificates, and business account statements.
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