My mother and I own a house together, but the home loan is only in my name. If something were to happen to me, could my mother clear the loan, get a NOC from the bank, and sell the property without any hassle? Would an affidavit or power of attorney be enough to make this happen?

Your mother, as a co-owner, has a legal right to the property. However, the loan is in your name, so she will need to get a NOC from the bank. An affidavit or power of attorney might not be sufficient; the bank might require a legal heir certificate and other documentation to proceed with the loan clearance and sale.