Documents Required for Bank of Baroda Home Loan

When applying for a home loan from Bank of Baroda, having the correct documentation is crucial for a smooth and efficient processing experience. Below is a comprehensive list of documents you will need to prepare:

1. Identity Proof
You need to provide valid proof of identity. This can include any of the following:

• Passport
• Driver’s License
• Aadhaar Card
• Voter ID
• PAN Card

2. Address Proof
Address proof is required to confirm your residence. Acceptable documents include:

• Utility Bills (Electricity, Water, Gas)
• Rental Agreement
• Bank Statement (showing address)
• Passport (if it includes your current address)

3. Income Proof
To establish your ability to repay the loan, you will need to provide proof of income. This may include:

• Salary Slips (last 3-6 months)
• Income Tax Returns (ITR)
• Form 16
• Bank Statements (last 6 months)
• Proof of Business Income (if self-employed)

4. Employment Proof
For salaried individuals, proof of employment is required. This can be:

• Employment Certificate
• Appointment Letter
• Experience Certificate

5. Property Documents
Documents related to the property you wish to purchase or mortgage are necessary. They include:

• Sale Deed
• Property Title Deed
• Occupancy Certificate
• Approved Building Plan
• No Objection Certificate (NOC) from the builder
• Receipt of Payment (if applicable)

6. Loan Application Form
You will need to fill out and submit the loan application form provided by Bank of Baroda. Ensure that all details are accurate and complete.

7. Passport-sized Photographs
Recent passport-sized photographs are required as per the bank’s specifications.

8. Additional Documents
Depending on the type of loan and specific conditions, you may need to provide additional documents such as:

• Guarantor’s Documents (if applicable)
• Documents related to joint ownership (if applicable)

Table of Common Documents for Different Loan Types

Document Type	Salaried Individuals	Self-Employed Individuals
Identity Proof	Passport, Driver’s License	Passport, Aadhaar Card
Address Proof	Utility Bills, Bank Statement	Utility Bills, Rental Agreement
Income Proof	Salary Slips, Bank Statements	Income Tax Returns, Bank Statements
Employment Proof	Employment Certificate	N/A
Property Documents	Sale Deed, Property Title Deed	Sale Deed, Approved Building Plan
Loan Application Form	Yes	Yes
Photographs	Yes	Yes
Additional Documents	N/A	Guarantor’s Documents

9. KYC Documents
Know Your Customer (KYC) documents may be needed to comply with regulatory requirements. These usually include:

• Aadhaar Card
• PAN Card
• Passport

10. Proof of Ownership (if refinancing)
If you are refinancing an existing property, you will need:

• Original Loan Sanction Letter
• Repayment Schedule
• Certificate from Existing Lender

By ensuring you have all these documents ready and accurately filled, you can expedite the home loan approval process with Bank of Baroda. For any specific queries or additional requirements, it is advisable to contact the bank directly or visit their official website.