Documents For Home Loan In Vadodara [Complete CheckList]

When applying for a home loan in Vadodara, having the right set of documents is crucial for a seamless and successful loan application process. Lenders require these documents to assess your eligibility, verify your financial stability, and evaluate the property you intend to purchase.

To help you navigate through this process smoothly, we have prepared an exhaustive checklist of documents required for a home loan in Vadodara. By ensuring you have all the necessary paperwork ready, you can expedite the loan approval process and move closer to achieving your dream of owning a home.

List of Documents For Home Loan In Vadodara

I. Identity and Address Proof:

  1. Aadhaar Card: A unique identification document issued by the Government of India, serving as proof of identity and address.
  2. PAN Card: The Permanent Account Number (PAN) card, which acts as proof of identity and is necessary for financial transactions and income tax purposes.
  3. Passport: An internationally recognized identity and address proof document.
  4. Voter ID Card: Issued by the Election Commission of India, serving as proof of identity and address.
  5. Driving License: A valid driving license can be used as proof of identity and address.
  6. Utility Bills: Recent electricity bills, water bills, gas bills, or telephone bills in your name, reflecting your current address.
  7. Rental Agreement: If you are residing in a rented property, a registered rental agreement can serve as address proof.
  8. Bank Passbook/Statement: A bank passbook or statement containing your address information can be accepted as address proof.

II. Document of Income Proof:

  1. Salaried Individuals:

Salaried Individuals:

  1. Salary Slips: Provide your latest salary slips for the past three to six months, demonstrating a stable income.
  2. Form 16: A document issued by your employer, detailing your income, deductions, and tax payments.
  3. Bank Statements: Submit bank statements for the past six months, showcasing your salary credits and financial transactions.

Self-Employed Individuals:

  1. Income Tax Returns (ITR): Provide the ITR documents for the past two to three years, indicating your income and tax filings.
  2. Profit and Loss Statement: Include a statement that reflects your business’s financial performance and income.
  3. Balance Sheet: Provide a financial statement that presents your business’s assets, liabilities, and equity.
  4. Audited Financial Statements: If applicable, include audited financial statements prepared by a certified auditor.
  5. Bank Statements: Submit bank statements for the past six months, illustrating your business transactions and cash flow.

III. Documents of Employment and Business Proof:

Salaried Individuals:

  1. Offer Letter: A letter from your current employer offering you employment.
  2. Appointment Letter: A letter confirming your appointment with your current employer.
  3. Salary Account Statement: Provide statements from your salary account showcasing regular salary credits.
  4. Employee ID Card: Your company-issued identification card to verify your employment.

Self-Employed Individuals:

  1. Business Registration Documents: Include proof of your business’s legal registration, such as the Certificate of Incorporation or Partnership Deed.
  2. GST Registration Certificate: If applicable, provide the GST registration certificate for your business.
  3. Business Address Proof: Include documents that substantiate the address of your business premises, such as utility bills or property documents.
  4. Professional Practice Certificate: For professionals like doctors or lawyers, provide the certificate demonstrating your professional practice.
  5. Business Existence Proof: Include documents that showcase the existence of your business, such as the Shops and Establishments Act registration or trade licenses.
  6. Partnership Deed or Memorandum of Association: If applicable, submit the partnership deed or MOA of your business.

IV. Property Documents:

  1. Sale Agreement: A legally binding agreement between the buyer and seller outlining the terms and conditions of the property purchase.
  2. Title Deed: The document that establishes the ownership rights of the property.
  3. Approved Building Plan: For under-construction properties, provide the approved building plan, ensuring compliance with local regulations.
  4. No Objection Certificate (NOC): Obtain a NOC from relevant authorities to confirm that there are no legal restrictions on the property.
  5. Property Tax Receipts: Present receipts of property tax payments to demonstrate compliance and clear any outstanding dues.
  6. Encumbrance Certificate: A certificate verifying the property’s ownership status and confirming no pending legal disputes or mortgages.

V. Bank Statements:

  1. Recent Bank Statements: Provide bank statements for the past six months, showcasing your financial transactions, savings, and repayment capacity.
  2. Existing Loan Statements: If you have existing loans, include statements for those loans, demonstrating your repayment track record.
  3. Proof of Down Payment or Savings: If you are making a down payment from your savings, provide bank statements reflecting your savings.

VI. Other Documents:

  1. Passport-Sized Photographs: Carry a few passport-sized photographs, as they may be required for various applications and forms.
  2. Duly Filled Application Form: Complete the home loan application form provided by the lender, ensuring that all necessary details are accurately filled.
  3. Declarations and Undertakings: Depending on the lender, you may be required to provide certain declarations and undertakings related to your employment, income, or property.


Applying for a home loan in Vadodara requires careful preparation and submission of various documents. By following this exhaustive checklist, you can ensure that you have all the necessary paperwork ready to facilitate a smooth and efficient loan application process.

Remember to check with your chosen lender for their specific document requirements, as they may vary slightly. By being well-prepared, you can increase your chances of loan approval and move closer to realizing your dream of owning a home in Vadodara.

If you need any assistance or have further questions, our experienced team of home loan experts is ready to guide you through the process and help you secure the best loan offer that suits your needs.

Just fill up the contact form below and an experienced agent will reach out to you at the earliest.

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