Applying for a home loan with Bajaj Housing Finance? Having the right paperwork in place can speed up your approval process. In this blog, we’ve listed the complete Bajaj Housing Finance Home Loan Documents checklist you need to submit for a smooth and hassle-free application.
Bajaj Housing Finance Home Loan General Documents
To apply for a Bajaj Housing Finance Home Loan, you’ll need to submit a set of general documents to complete the application process.
| Document Type | Accepted Documents |
|---|---|
| Identity Proof | PAN Card, Aadhaar Card, Passport, Voter ID, Driving License |
| Address Proof | Aadhaar Card, Passport, Utility Bill (Electricity/Water/Gas), Rent Agreement |
| Employment Proof | Employee ID Card, Offer Letter, Appointment Letter, Employment Certificate |
Also Read: Bajaj Housing Finance Home Loan Interest Rates
Bajaj Housing Finance Home Loan Income Documents
The list of Bajaj Housing Finance Home Loan Income Documents in table format, categorized by applicant type:
Salaried
| Document Type | Accepted Documents |
|---|---|
| Salary Slips | Last 3 to 6 months’ salary slips |
| Form 16 | Latest Form 16 issued by employer |
| Bank Statements | Last 6 months’ salary account bank statements |
| Employment Proof | Offer Letter / Employment Certificate / Appointment Letter |
Self-Employed
| Document Type | Accepted Documents |
|---|---|
| Income Tax Returns (ITR) | Last 2–3 years’ ITR with computation of income |
| Financial Statements | Audited Profit & Loss Account and Balance Sheet |
| Bank Statements | Last 6 months’ current account statements |
| Business Proof | GST registration certificate, business license, or registration certificate |
NRIs
| Document Type | Accepted Documents |
|---|---|
| Income Proof | Latest salary slips / employment contract / income letter from employer |
| Bank Statements | NRE/NRO account statements for last 6 months |
| Work/Residency Proof | Valid visa, work permit, overseas employment ID, or residency card |
| ITR (if filed in India) | Last 2 years’ ITR (if applicable) |
Also Read: Property Documents for Home Loans: NRI vs Indians
Bajaj Housing Finance Home Loan Property Documents
Bajaj Housing Finance requires specific property documents to verify ownership, legality, and valuation before approving a home loan.
| Document Type | Details |
|---|---|
| Sale Agreement / Allotment Letter | Agreement to Sell, Builder Buyer Agreement, or Allotment Letter |
| Title Deed / Chain of Title | Registered Sale Deed and previous ownership documents (link documents) |
| Approved Building Plan | Sanctioned layout and construction plan from local authority |
| Property Tax Receipts | Latest municipal tax paid receipts |
| Encumbrance Certificate | EC showing the property is free from legal liabilities |
| Occupancy / Completion Certificate | Issued by the local municipal authority post-completion of construction |
| NOC from Builder / Society | No Objection Certificate from relevant authorities or housing society |
Source: Bajaj Housing Finance Official Website
Bajaj Housing Finance Home Loan Balance Transfer Documents
To process a home loan balance transfer, Bajaj Housing Finance requires both your existing loan documents and standard KYC/income proofs to evaluate your eligibility.
| Document Type | Details |
|---|---|
| KYC Documents | PAN Card, Aadhaar Card, Passport, Driving License |
| Address Proof | Utility Bill, Passport, Aadhaar Card, Rent Agreement |
| Income Documents | Salary Slips (last 3 months), Bank Statements (6 months), Form 16 / ITR (last 2 years) |
| Loan Statement | Outstanding loan statement from existing lender |
| List of Documents (LOD) | Document list from current lender confirming submitted property/legal papers |
| Sanction Letter | Copy of original home loan sanction letter from current lender |
| Repayment Track Record | 12 months’ repayment history or EMI payment record |
| Property Documents | Sale Deed, Title Deed, Approved Plan, Property Tax Receipts |
Source: Bajaj Housing Finance Official Website
Bajaj Housing Finance Home Loan Top Up Documents
For a home loan top-up, Bajaj Housing Finance requires updated KYC, income proof, and details of the existing home loan to assess eligibility.
| Document Type | Details |
|---|---|
| KYC Documents | PAN Card, Aadhaar Card, Passport, Voter ID, Driving License |
| Address Proof | Utility Bill, Passport, Aadhaar Card, Rent Agreement |
| Income Proof (Salaried) | Latest 3 months’ salary slips, 6 months’ bank statement, Form 16 or latest ITR |
| Income Proof (Self-employed) | ITR for last 2–3 years, Profit & Loss Statement, Audited Balance Sheet, Bank statements |
| Existing Loan Statement | Home loan repayment track record and outstanding balance statement |
| Property Documents | Sale Deed, Title Deed, Occupancy Certificate, Approved Building Plan |
Source: Bajaj Housing Finance Official Website
Bajaj Housing Finance Home Loan Sanction Documents
After home loan approval, Bajaj Housing Finance provides and collects specific sanction-related documents to finalize the disbursal process.
| Document Type | Details |
|---|---|
| Sanction Letter | Official document stating approved loan amount, interest rate, tenure, and terms & conditions |
| Signed Application Form | Duly filled and signed loan application form |
| KYC Documents | PAN Card, Aadhaar Card, Passport, Voter ID |
| Income Proof | Salary slips, ITR, bank statements (as per applicant category) |
| Property Documents | Sale Deed, Agreement to Sell, Title Deed, Approved Plan, Tax Receipts |
| Undertakings & Declarations | Self-declaration forms regarding loan usage, property status, and compliance |
| Disbursement Request Form | Form to initiate loan disbursal post-sanction |
Source: Bajaj Housing Finance Official Website
Bajaj Housing Finance Home Loan Pre-Disbursement Documents
Before disbursing the home loan, Bajaj Housing Finance requires submission of specific pre-disbursement documents to verify legal, technical, and financial compliance.
| Document Type | Details |
|---|---|
| Duly Signed Sanction Letter | Signed copy of the official loan sanction letter with accepted terms |
| Property Documents | Registered Sale Deed, Title Deed, Agreement to Sell, Approved Building Plan |
| Legal & Technical Reports | Legal clearance and technical valuation reports from empanelled advocates/engineers |
| Demand Letter from Builder/Seller | Letter requesting payment/disbursement with project or property-specific payment schedule |
| Own Contribution Proof | Bank statements showing payment of margin/own contribution towards property |
| NOC from Builder/Society | No Objection Certificate from relevant authority or housing society (if applicable) |
| Allotment Letter | For under-construction properties, issued by builder or developer |
| Disbursement Request Form | Form authorizing Bajaj Housing Finance to release the sanctioned amount |
Source: Bajaj Housing Finance Official Website
Bajaj Housing Finance Home Loan Additional Documents
In certain cases, Bajaj Housing Finance may request additional documents to support verification, legal compliance, or disbursement clarity.
| Document Type | Details |
|---|---|
| Power of Attorney (if applicable) | POA in favor of a representative if the applicant is not available in person |
| Guarantor Documents | KYC and income proof of guarantor (if required) |
| Employer NOC | No Objection Certificate from employer (for salaried applicants, if applicable) |
| CERSAI Undertaking | Declaration related to registration under Central Registry of Securitisation |
| Pending Document Undertaking | Acknowledgment of any pending documents to be submitted later |
| Additional Bank Statements | Bank statements beyond the standard 6 months, if required for further income clarity |
Check Out: Bajaj Housing Finance Home Loan Eligibility Calculator
What to Do If Home Loan Documents Are Missing?
If any of your home loan documents are missing, here’s what you should do:
- Inform Bajaj Housing Finance immediately about the missing documents.
- Request guidance from your loan officer on how to replace or substitute them.
- Obtain certified copies from the issuing authority (e.g., registrar office, builder, or society).
- Submit an undertaking or affidavit if the lender allows temporary submission without the document.
- Apply for duplicates of missing KYC or income documents (like PAN, Aadhaar, salary slips).
- Monitor your application status on the official portal or via customer care to avoid delays.
Also Read: How to Download Bajaj Housing Finance Home Loan Statement?
How to Get Back All Original Home Loan Documents After Home Loan Closure?
Here’s how to get back your original home loan documents after closing your loan:
- Submit a written request or loan closure form to Bajaj Housing Finance confirming full repayment.
- Ensure all outstanding dues, including final EMI and charges, are cleared.
- Collect a No Objection Certificate (NOC) and Loan Closure Letter from the lender.
- Visit the branch (with ID proof) to collect your original property documents (Sale Deed, Title Deed, etc.).
- Ensure the lender updates CERSAI and credit bureaus about loan closure.
- If documents were mortgaged with a registrar, request the lender to release the lien officially.
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Conclusion
Having the right documents is crucial for a smooth and timely Bajaj Housing Finance Home Loan approval. Use this checklist to stay organized and avoid delays in your loan process.
For expert assistance and guidance on home loan tax-related matters, contact Credit Dharma today!
Frequently Asked Questions
Applicants need to submit identity proof (e.g., Aadhaar Card, PAN Card), address proof (e.g., utility bills, passport), income proof (e.g., salary slips, Form 16 for salaried individuals; ITRs, P&L statements for self-employed individuals), bank statements for the last six months, and property-related documents like the sale deed and approved building plan.
Salaried applicants are typically required to provide salary slips for the last three months as part of their income proof.
While not always mandatory, submitting Form 16 can strengthen your application by providing additional proof of income and tax compliance.
Self-employed individuals should provide business proof (e.g., GST registration, business license), income proof (e.g., ITRs for the last two to three years, audited financial statements), and bank statements for the last six months.
Yes, property documents such as the sale agreement, title deed, approved building plan, and property tax receipts are essential for verifying the property’s legality and value.
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