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Home > Home Loan > Bank Of India Home Loan > Bank of India Home Loan Documents Required | Download Full Checklist

Bank of India Home Loan Documents Required | Download Full Checklist

April 11, 2025
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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 India 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.


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Bank of India Home Loan: General Documents

General documents form the foundation of your Bank of India home loan application. These essential papers verify your identity, employment status, and residential address, ensuring that all applicants meet the basic eligibility criteria set by BOI.

CategoryDocuments Required
Proof of IdentityPAN Card/ Driver’s License / Voter ID / Passport / Aadhar Card
Proof of AddressDriver’s License / Ration Card / Voter ID / Passport / Aadhar Card / Registered Rent Agreement

Suggested Read: Bank of India Star Diamond Home Loan


Bank of India Home Loan: Proof of Income

Income proof documents are important for assessing your ability to repay the home loan.

SalariedSelf Employed
Last 6 months’ Salary SlipsLast 3 Years ITR with Computation of Income
1 Year ITR/Form 16Profit & Loss Account
6 months bank account statement (salary account or individual account).Balance Sheet
Capital Account Statement
Bank account statement for the last 12 months (for individual or business).
Business proof 

Must Read: How to Get a Home Loan With Out Income Proof?


Bank of India Home Loan: Property Documents

Property documents establish the legitimacy and value of the property you intend to purchase. These papers ensure that the investment is secure and compliant with all regulatory standards.

Property Documents
Permission for construction (where applicable)
Registered Agreement for Sale (only for Maharashtra)/Allotment Letter/Stamped Agreement for Sale
Occupancy Certificate (in case of ready to move property)
Share Certificate (only for Maharashtra), Maintenance Bill, Electricity Bill, Property Tax Receipt
Approved Plan copy (Xerox Blueprint) & Registered Development Agreement of the builder, Conveyance Deed (For New Property)
Payment Receipts or bank A/C statement showing all the payments made to Builder/Seller

Must Read: Best Property Valuation Practices


Bank of India Home Loan: NRI/ PIO Documents

NRI documents are specially required for NRIs applying for an Bank of India home loan. These documents help verify your overseas status, income sources, and financial stability, ensuring that your loan application complies with the bank’s guidelines for NRIs.

CategoryDocuments
Passport & VisaPassport with VISA printed on it
Work AuthorizationWork Permit
Identity ProofCopy of PAN, ID card issued by employer
Proof of Address Proof of address in India
Proof of address in the foreign country
Proof of address from employer with contact details
Income ProofLatest salary slip in original
Annual income tax return filed as per applicable rules for the last 2 years

Bank of India Home Loan: Balance Transfer Documents

Transferring your existing home loan to Bank of India can help you take advantage of better interest rates and favorable terms. To facilitate a smooth balance transfer process, you need to provide specific documents that verify your current loan details and financial standing.

Balance Transfer Documents
KYC Documents
Home Loan Statements from Previous Bank
Bank Account Statement

Suggested Read: Bank of India Home Loan Customer Care


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.

Suggested Read: How Long Does Home Loan Disbursement Take After Approval?


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What To Do If You’ve Lost Your Property Documents?

StepActionPurposeBenefit
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: Home Loans Without ITR


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

What documents are required to apply for a home loan with Bank of India?

You’ll need identity proof (e.g., PAN card, passport), address proof (e.g., utility bills), and income proof (e.g., salary slips, IT returns).

Which documents does Bank of India need for processing a home loan?

The bank requires KYC documents, property-related papers, and financial statements to process your home loan application.

What paperwork is necessary for a home loan from Bank of India?

Essential documents include ID proof, address proof, income proof, and property documents like the sale deed and NOC.

How much home loan can I get from Bank of India with a ₹70,000 salary?

With a ₹70,000 monthly salary, you may be eligible for a home loan of approximately ₹53.41 lakh, depending on other factors.

How much home loan can I avail from Bank of India with a ₹25,000 salary?

With a ₹25,000 monthly salary, you might qualify for a home loan of around ₹15.26 lakh, subject to other criteria.

Can I obtain a home loan from Bank of India without income proof?

Obtaining a home loan without income proof is challenging; banks typically require documented income to assess repayment capacity.

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