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Home > Home Loan > Bank of Baroda Home Loan > Essential Bank of Baroda Home Loan Documents | Fast-Track Your Approval

Essential Bank of Baroda Home Loan Documents | Fast-Track Your Approval

April 8, 2025
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Missing even one crucial document can delay your home loan approval and cost you valuable time.

Our definitive guide not only lists every required document for a Bank of Baroda home loan but also offers insider tips to ensure your application sails through.

Securing a home loan is a huge milestone, but one missing document can turn your dream home into a drawn-out process.

Imagine having every piece of paperwork perfectly in place – from identification proofs to property documents – ensuring a swift, hassle-free approval.

In this guide, we break down exactly what you need for a Bank of Baroda home loan, share expert tips, and help you avoid common pitfalls that can delay your journey to homeownership.

Detailed Breakdown of Required Documents for a Bank of Baroda Home Loan

To successfully apply for a home loan with the Bank of Baroda, you must provide documents that verify your identity and assess your creditworthiness. Here is a comprehensive list of the documents typically required, categorized for clarity:

Key Documents:

  • Home Loan Application Form: A duly filled and signed application form, available at any Bank of Baroda branch or on their website.
  • Passport Size Photographs: Two passport-size photographs, with one attested on the application form.

Identity, Age, and Address Proofs (Any government-approved document with your photograph):

  • PAN card.
  • Aadhaar card.
  • Passport.
  • Driver’s License.
  • Voter ID card.
  • Birth certificate.
  • Bank passbook.
  • Utility bills (for address proof).
  • Ration card (for address proof).
  • Registered rent agreement (for address proof).

Property Documents:

  • No Objection Certificate (NOC) from the society or builder.
  • Original registered sale deed or stamped agreement of sale.
  • Occupancy Certificate (for ready-to-move-in properties).
  • Maintenance and electricity bills, along with property tax receipts.
  • Original receipts of advance payments made for the property purchase.
  • Copy of the building plan for flats, villas, or bungalows.
  • Original receipt of land tax paid, along with a possession certificate from relevant authorities.
  • Bank account statements showing payments to the seller or builder.
  • Detailed estimate of construction costs (for construction loans).
  • Blueprint (approved plan copy).
  • Non-Agriculture (NA) certificate.
  • Completion certificate in case of ready flat /old flat/house (if applicable).
  • Commencement certificate (CC): For flat (if applicable).
  • Latest Tax Paid Receipt (property): For old flat/house.
  • Society registration certificate: For ready old flat/house (if applicable).
  • Share Certificate: For old flat/house (if applicable).
  • All payment receipts to builder/ seller: new & old.
  • Development agreement of builder registered copy (if applicable).

Salaried Individuals:

  • Form 16.
  • Employer letter attesting to employment duration and status.
  • Latest three to six months’ pay slips.
  • IT return for the previous three years.
  • Investment proofs (shares, term deposits).
  • Account statement displaying salary credits.
  • Copy of employee identity card provided by empan loyer.
  • Appointment/ Confirmation/ Promotion/ Increment letter evidencing duration of employment.
  • 6 months bank account statement (Salary/ Individual) or account number if an account is with Bank of Baroda.

For Self-Employed Individuals:

  • Business address proof.
  • Last three years’ tax returns.
  • Company balance sheet and profit-and-loss statements, duly audited/attested by a CA.
  • Account statements of the business.
  • Assets and Liabilities statement.
  • ITR verification report.

For Agriculturalists/Farmers:

  • Talati/ Gram Sevak/ Village Revenue Officer certificate for the previous two years’ income and Mamladaar’s/Block Revenue Officer certificate for last year’s income.
  • Land revenue records – Form 6, 7/12, 8A.
  • 12 months bank account statement (Individual).

Additional Requirements

  • If you have any existing loans, you need to submit the account statements for the last year, along with the sanction letter. If the loan is from the Bank of Baroda, provide the account number or customer ID.
  • Provide proof of assets held, such as LIC, NSC, KVP, MF, or property documents.

Collecting and organizing these documents beforehand can streamline the home loan application process with the Bank of Baroda.

Source of Information: What are the Documents Required for Home Loan in Bank of Baroda.

Required Documents
Home Loan Application Form (duly filled and signed)
2 Passport-sized photographs (one attested on the application form)
Identity Proof (any government-approved document with your photograph):
PAN Card
Aadhaar Card
Passport
Driver’s License
Voter ID Card
Age Proof (any of the following):
PAN Card
Aadhaar Card
Passport
Driver’s License
Birth Certificate
Address Proof (must show your permanent address):
Aadhaar Card
Passport
Driver’s License
Bank Passbook
Utility Bills
Please note that these are indicative numbers, please refer to the official websites for the latest updated details.

Additional Documents based on Employment for Bank of Baroda Home Loan

Salaried ApplicantsSelf-Employed Applicants
Form 16 (duly filled)Business address proof
Employment verification letter from employer (certifying employment status and duration)Filed Income Tax Returns (ITRs) for the last three years
Salary slips for the last 3-6 monthsAudited financial statements (Balance Sheet and Profit & Loss Statements)
Filed Income Tax Returns (ITRs) for the last three yearsBusiness license or registration documents (for professionals like doctors, lawyers, etc.)
Investment proofs (e.g., shares, fixed deposits, etc.) if applicableRegistration certificates for establishments (shops, factories, clinics, etc.)
Bank statement showing salary creditBusiness account statements showing transactions
Please note that these are indicative numbers, please refer to the official websites for the latest updated details.

Property Documents Required for Bank of Baroda Home Loan

  • No Objection Certificate (NOC) from the society or builder
  • Original registered sale deed, letter of allotment, or stamped agreement of sale
  • Occupancy Certificate for ready-to-move-in properties
  • Maintenance and electricity bills along with property tax receipts
  • Original receipts for any advance payments made toward the property
  • Copy of the building plan for flats, villas, bungalows, etc.
  • Original receipt showcasing land tax paid along with possession certificate issued by authorities
  • Bank account statements showing payments made to the seller or builder
  • Detailed estimate of construction costs (for construction loans)

Additional Documents Based on Loan Type

  1. For Home Construction Loans:
    • Approved plan and layout of the construction
    • Cost estimate from an architect or civil engineer
  2. For Home Renovation Loans:
    • Cost estimates for renovation
    • Contractor’s agreement, if applicable
  3. For Plot Loans:
    • Approved plot layout
    • Land registration details

Additional Documents Based on Applicant Profiles

The documents required can vary depending on the applicant’s profile. Below are the necessary documents for different types of applicants:

NRI Applicants:

  • Passport and Visa copies
  • Work permit/Overseas employment letter
  • Bank account statements of NRI accounts (NRE/NRO)
  • Foreign income tax returns or salary slips

Co-applicants:

  • Identity proof of co-applicant
  • Income proof of co-applicant (if applicable)
  • Relationship proof between the applicant and co-applicant (e.g., birth certificate, marriage certificate)

Tips for Smooth Document Submission

Submitting all your Bank of Baroda (bob) home loan documents in an organized manner will significantly speed up your loan approval process. Here are some useful tips to ensure smooth submission:

1. Organise Documents in Advance

  • Make a checklist of all the documents required and gather them well in advance.
  • Ensure that the documents are up to date, particularly those related to income and property ownership.

2. Seek Assistance from Bank of Baroda Representatives

  • If you’re unsure about any document or need clarification, consult with Bank of Baroda’s loan representatives. They can guide you through the submission process and ensure you meet all the requirements.

Conclusion

In short, knowing the exact documents required for a Bank of Baroda home loan can help streamline your loan application process. Whether you’re applying as a salaried individual, self-employed professional, or NRI, having the right paperwork is essential. With the right preparation, securing your dream home loan will be a smooth journey. bob home loan documents

If you need assistance navigating the complexities of a home loan, Credit Dharma is here to help. Contact us today to seek support.

Frequently Asked Questions [FAQs]

Can I submit digital copies of my documents?

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.

What happens if I cannot provide one of the required documents?

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.

Are there any specific documents required for women applicants?

Women applicants may need to provide additional documentation related to their marital status or property ownership, depending on the loan type and purpose.

Do I need to get my property documents verified?

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.

Can I apply for a home loan with the Bank of Baroda online?

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.

What documents should self-employed individuals submit for a home loan from the Bank of Baroda?


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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