All Documents Self Attested by Applicant /Co-Applicant /Guarantor
A- Resident Indian:
1. Duly Filled and Signed Application form along with three Photographs
2. Proof of Identity – PAN CARD (mandatory for loan application above Rs.10.00lacs
3. Driver’s License / Voter ID / Passport / Aadhar Card
4. Proof of Residence (Driver’s License / Ration Card/ Voter ID / Passport / Aadhar Card / Registered Rent Agreement)
5. If any previous loan, then loan a/c statement for last 1 year along with sanction letter.
(If loan from BOB, Account No / Cust Id required)
6. Proof of assets held like LIC/NSC/KVP/MF/PROPERTY
7. Assets and Liabilities statement
8. ITR Verification report
9. Additional Documents for (Applicants /Co-applicants whose income to be considered
for eligibility)
 
For Salaried Individual:
A- Latest 3 months’ Salary Slips & latest 1 month salary slips for Guarantors
B- Form 16 & ITR – last 1 years of Applicants & Guarantors (if any)
C- Copy of Employee identity Card provided by Employer
D- Appointment /Confirmation /Promotion /Increment letter evidencing duration of employment
E- 6 months Bank A/c statement (Salary / Individual) or Account. No if account is with BOB
 
For Self-Employed Individuals /Professionals /Others:
A- Balance Sheet & Profit & Loss A/c, Computation of Income – Last 2 years
B- Income Tax Returns – last 2 years for Applicants, 26 AS Traces
C- Business proof, Gomasta License, Registration Certificate, Service Tax Registration, etc.
D- IT Assessment / Clearance, Certificate, Income Tax, Challans / TDS Certificate (Form 16A) / Form 26 AS for income declared in ITR.
 
In Case of Applicants engaged in Business through Partnership Firm/Private Ltd.    Company:
   I- Firm’s PAN card, Address Proof of Firm / Company
   Ii- Memorandum & A.O.A of Co.
  iii- ITR & Audited Results of last 2 years of Firm / Company
  iv- Current A/c Statement – last 1 year
 
For Farmers /agriculturist:
A- Talati’s/Gram Sevak/Village Revenue officer Certificate for previous two years income and       Mamladaar’s/Block Revenue officer certificate for last year’s income.
B- Land revenue records – Form 6, 7/12, 8A
C- 12 months Bank A/c statement (Individual)
 
B- NRI/ PIO/OCI
1. Duly Filled and Signed Application form along with Photograph
2. Copy of Passport with Visa stamped.
3. Proof of Residence (India & Abroad) (other than identity proof mentioned above) :
Driver’s License /Ration Card /Voter ID /Passport /Aadhar Card /Registered Rent
Agreement
4. Details e.g. name, relation, address, contact numbers of local contact person
5. NRE Savings Bank statement of account for last 6 months
6. Overseas Bank Account Statement for the last 6 months (including for Salary Account)
7. Statement of accounts of all existing Loan accounts for last 1 year. (For Loans from BOB in
India, Account No. & Customer id to be mentioned in the application form)
8. Credit Check Reports from Overseas Credit Bureau (e.g. D&B etc) (if already obtained)
 
Additional Documents for PIO
A photocopy of the PIO Card or any of the under noted documents:-
A- Current passport indicating birth place in India/abroad.
B- Indian Passport, if held earlier.
C- Parents or grandparents passport with details there in substantiating his claim of being a PIO.
 
Additional Documents for Salaried Individuals
A- Copy of the employment Contract (in vernacular language)
B- Copies of individual income-tax returns for the last two years (India /Overseas).
C- Certified copy of the latest salary slips for the last 6 months.
D- Copy of the Identity card issued by the current Employer.
E- Continuous Discharge Certificate, if applicable.
F- Copy of latest work permit.
 
 Additional Documents for Self Employed
A- Balance Sheets and profit & loss accounts of the business /profession
B- Copies of individual income-tax returns for the last three years (India /Overseas)
C- A note giving information on the nature of business /profession
D- Business Proof (Valid Registrations Any Two) , Place of Business & its Proof of Address.
E- Continuous Discharge Certificate, if applicable.
 
 
Copies of Property Documents (It may vary from State to State) Ready Flat /House OR Flat under Construction OR For Construction of House
A- Agreement for Sale.
B- Blueprint (Approved Plan Copy) P.S: Gram Panchayat approvals Not admissible by Bank if
not supported by Town Planning approvals.
C- Non-Agriculture (NA) Certificate.
D- Commencement Certificate (CC) – (For Flat, if applicable)
E- Completion Certificate in case of ready flat/Old Flat/House, if applicable
F- Occupancy Certificate (OC) – in case of ready flat /Old Flat/House, if applicable
G- Latest Tax Paid Receipt (property) – in case of Old Flat/House
H- Society Registration Certificate – in case of ready Old Flat/House, if applicable
I- Share Certificate- in case of Old Flat/House, if applicable
J- All payment receipts to Builder / Seller. –New & Old both
K- Development Agreement of Builder Registered copy), if applicable
L- Chain of old Agreement/s (for resale flat)- – in case of Old Flat/House
M- Title Clearance Report from approved advocate N Valuation report from bank’s approved value.
 
Additional Documents for Takeover from Other Bank/F.I.
1. Existing Loan A/c statement (last 12 months)
2. List of Documents, in respect of property submitted to Bank / F.I. duly acknowledged by the
Bank / F.I.
3. Sanction Letter
4. Foreclosure letter (if available)