Bank of Baroda Home Loan
Bank of Baroda home loan makes it easier to turn your dream home into reality. You can use the loan to buy a new property, construct a house, or upgrade your current one. The process involves clear documentation and efficient approval timelines, ensuring minimal delays. The Bank of Baroda housing loan is designed to meet different financial needs with flexible repayment plans and personalised options. Their customer support team is always ready to guide you at every step. Choose Bank of Baroda for a reliable and straightforward path to homeownership.
Unlock Best Home Loan Offers From Bank Of Baroda
Bank of Baroda Home Loan
Interest Rate
9.15% - 10.2%
Loan Amount
₹10L - ₹10Cr
EMI Per Lakh
₹2,083 - ₹2,135
Processing Fees
Pre-Payment Charges
Plan Offered
Term Loan
Showing Data for CIBIL Score 800 - 1000
Baroda Home Loan With Insurance
CIBIL: 800 - 1000
CIBIL: 771 - 799
CIBIL: 751 - 770
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Baroda Home Loan With Insurance
CIBIL: 800 - 1000
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CIBIL Score range
CIBIL: 800 - 1000
CIBIL: 771 - 799
CIBIL: 751 - 770
CIBIL: 726 - 750
CIBIL: 0 - 0
CIBIL: 771 - 1000
CIBIL: 751 - 770
CIBIL: 726 - 750
CIBIL: 701 - 725
CIBIL: 0 - 0
CIBIL: 701 - 725
CIBIL: 0 - 700
Showing Data for CIBIL Score 800 - 1000
- Salaried
- Self-Employed (Non-Professional)
- Self-Employed
Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|
Upto 30 Lacs | New | 8.40% | 8.40% |
Above 30 Lacs | New | 8.40% | 8.40% |
- Salaried
- Self-Employed (Non-Professional)
- Self-Employed
City | Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|---|
Mumbai | Upto 30 Lacs | New | 8.40% | 8.40% |
Above 30 Lacs | New | 8.40% | 8.40% | |
Pune | Upto 30 Lacs | New | 9.15% | 9.15% |
Upto 30 Lacs | New | 8.40% | 8.40% | |
Above 30 Lacs | New | 8.60% | 8.60% | |
Above 30 Lacs | New | 8.40% | 8.40% | |
Pimpri-Chinchwad | Upto 30 Lacs | New | 8.40% | 8.40% |
Above 30 Lacs | New | 8.40% | 8.40% |
Last updated on: 20, Aug 2025
Overdraft
Showing Data for CIBIL Score 771 - 1000
Baroda Home Loan Advantage With Insurance
CIBIL: 771 - 1000
CIBIL: 751 - 770
CIBIL: 726 - 750
View more
Baroda Home Loan Advantage With Insurance
CIBIL: 771 - 1000
View more
CIBIL Score range
CIBIL: 771 - 1000
CIBIL: 751 - 770
CIBIL: 726 - 750
CIBIL: 701 - 725
CIBIL: 0 - 0
CIBIL: 771 - 1000
CIBIL: 751 - 770
CIBIL: 726 - 750
CIBIL: 701 - 725
CIBIL: 0 - 0
Showing Data for CIBIL Score 771 - 1000
- Salaried
- Self-Employed (Non-Professional)
- Self-Employed
Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|
Upto 75 Lacs | New | 8.60% | 8.60% |
75 Lacs to 20 Cr | New | 8.90% | 8.90% |
- Salaried
- Self-Employed (Non-Professional)
- Self-Employed
City | Loan Amount | Loan Type | Men (ROI) | Women (ROI) |
---|---|---|---|---|
Mumbai | Upto 75 Lacs | New | 8.60% | 8.60% |
75 Lacs to 20 Cr | New | 8.90% | 8.90% |
Last updated on: 20, Aug 2025
Features and Benefits of Bank of Baroda Home Loan
Attractive Interest Rates
Apply for Bank of Baroda home loan to get competitive interest rates on home loans, making it more affordable for borrowers to repay their loans over time. It can go as low as 9.15%, depending upon the borrower.
Flexible Repayment Tenure
Bank of Baroda offers a flexible repayment tenure, allowing borrowers to select a duration that aligns with their financial capacity, providing ease in loan management and ensuring a comfortable loan repayment experience.
Balance Transfer Facility
Bank of Baroda offers a convenient Balance Transfer Facility, enabling borrowers to seamlessly transfer their existing home loans from other financial institutions to Bank of Baroda. By opting for this service, borrowers can take advantage of more favourable interest rates and other advantageous terms, leading to potential cost savings and reduced EMI burden.
Pradhan Mantri Awas Yojana (PMAY)
PMAY is a government scheme offering affordable housing benefits to eligible borrowers, catering to various income groups and promoting improved living standards.
Bank of Baroda Home Loan Apply Online
Bank of Baroda facilitates an easy and convenient online application process, enabling customers to apply for Bank of Baroda home loan from the comfort of their homes.
Don’t miss to Check: Bank of Baroda Home Loan Interest Rates
By Professions By Property By Other
Types of Bank of Baroda Home Loans
The Bank of Baroda claims to be your easy path to homeownership in India. It has launched specific home loan solutions to simplify the process and make your dream home a reality. Want to purchase, renovate, or reduce your interest payments? There’s a home loan for every story. Take a quick look at these popular Bank of Baroda home loan options that are available, and click on each to discover more details.
Baroda Home Loan to Corporates / Non Individuals
Loan Amount | Access higher loan amounts depending on the project size and collateral value. |
Features |
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EMI | Customised repayment plans to suit organisational structures. |
Who can Apply |
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Baroda Max Savings Home Loan
Features |
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EMI | Auto Recovery EMI. |
Who Benefits | This option is ideal for those who prefer financial flexibility and want to make their money work harder while repaying their loan. |
Baroda Home Loan Takeover Scheme
Easy Top-Up Loan From |
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Features |
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Why Choose This Loan |
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Explore more about Bank of Baroda Home Loan Takeover Scheme.
Home Improvement Loan
Features |
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Use this Loan for |
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EMI | Enjoy up to 6 months of no EMI payments, with a loan tenure of up to 15 years, including the moratorium period. |
Baroda Pre-Approved Home Loan
Features |
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EMI | Based on approved loan amount and tenure. |
Who Benefits |
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Baroda Top-Up Loan
Features |
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Why Choose This Loan |
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By leveraging the equity in your existing home, you can access additional funds to |
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Explore more about Bank of Baroda Home Top-Up Loan.
Baroda Home Suvidha Personal Loan
Features |
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Purpose |
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Credit Risk Guarantee Fund Scheme for Low-Income Housing
Loan Amount & Coverage |
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Features |
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Eligibility |
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Baroda Yoddha Home Loan for Defence Personnel
Features |
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Loan Tenure | Upto 30 years |
Why Choose This Loan |
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Explore more about Bank of Baroda Yoddha Home Loan For Defence.
Disclaimer: Interest rates, processing fees, and other charges are subject to change by the Bank of Baroda. Please contact the bank for updates on the latest rates, fees, and terms.
Bank of Baroda Home Loan Fees and Charges
Before you apply for a Bank of Baroda home loan, it’s essential to be aware of the various fees and charges associated with the loan. Banks and lending institutions typically impose a one-time charge known as the Home Loan processing fee on various Home Loan products. This fee is separate from the loan amount and is paid by the borrower to cover the costs incurred by the lender or bank during the loan processing. While some banks may offer special waivers on these processing charges, Bank of Baroda, for instance, may charge around Rs. 8,500, depending on the property’s value and loan type. Additionally, fees for loan top-ups may vary, so it is advisable to seek advice from a consultant before proceeding with the loan application.
Documents Required for Bank of Baroda Home Loan
Applicants need to submit a few documents when applying for a Bank of Baroda home loan. A few of them being:
Proof of Identity
Passport | Aadhaar Card |
Driving License | Voter ID |
Proof of Address
- Recent utility bills like electricity, water, or gas bills indicating the applicant’s residential address
- Passport
- Ration Card
- In the case of rented accommodation, a registered rental agreement may be submitted as address proof.
Income Proof
- Latest salary slips showcasing the applicant’s monthly income and deductions (applicable to salaried individuals).
- Bank statements for the last six months reflecting the applicant’s income and financial transactions.
- Filed income tax returns for the previous financial years, demonstrating the applicant’s income details (for salaried and self-employed individuals).
Other Documents
Property’s NOC | Building plan approval |
Completion certificate | Recent passport-size photographs |
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How does the EMI calculation work for the Bank of Baroda Home Loan?
Bank of Baroda uses the Equated Monthly Installment (EMI) method for loan repayments. Borrowers pay a fixed EMI each month, comprising the principal amount and interest. EMI calculation considers loan amount, interest rate, and chosen repayment tenure. This structured approach ensures predictability and easier financial planning for borrowers. The system streamlines the loan repayment process, facilitating a seamless borrowing experience. Customers can confidently manage their loan obligations with clarity and transparency. The EMI calculation depends on the loan amount, interest rate, and the chosen repayment tenure.
The formula to calculate EMI is:
EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
Where,
- P = Loan principal amount
- R = Monthly interest rate
- N = Loan tenure in months
Apply For Housing Loan From Bank of Baroda upto 5 Crore and Calculate EMIs
Balance Transfer Bank of Baroda Home Loan
If a borrower already has a home loan from another financial institution, they have the option to transfer it to the Bank of Baroda through the balance transfer facility. This borrower-friendly provision empowers individuals to capitalise on the potential benefits of lower interest rates and improved loan terms, which can ultimately lead to a reduced EMI burden and enhanced savings over the loan tenure. However, borrowers should exercise caution and conduct a comprehensive evaluation of the associated costs and potential advantages before opting for a balance transfer. Careful consideration of the overall impact is essential to ensure that the balance transfer brings significant financial advantages to the borrower. Seeking advice from financial experts or consultants can be beneficial in making an informed decision.
Don’t miss to Check: Home Loan Balance Transfer Calculator
FAQs
From loans to affordable interest rates, we have the answers for everything you need to know.
What is the maximum loan amount I can get from Bank of Baroda?
Bank of Baroda offers home loans up to ₹20 crore, but few borrowers borrow that much. Most take a loan that fits their budget. For larger homes or top-ups, additional loans are available at slightly higher interest rates. Approval is contingent upon income, financial stability, and credit history. The bank assesses these factors before approving larger sums.
Can self-employed professionals apply for a Bank of Baroda home loan?
Yes, they can. If you’re running your practice or business, the bank will still consider your application. You’ll need to show at least two years of income, which can be demonstrated through tax returns, bank statements, or audited financial records. As long as the earnings look stable and you're not carrying too much other debt, they usually process it like any other home loan. The key is proving that your income comes in regularly.
Is the CIBIL score important for getting a home loan from the Bank of Baroda?
Yes, it’s one of the key factors they consider. A strong credit score tells them you’ve handled money responsibly before, no missed payments, no messy records. Anything above 700 is generally alright, but if you’re closer to 775 or beyond, you’ll likely get better terms. If your score is low, the loan may still be approved, but the interest rate could be higher, or the amount may be reduced. It’s not just about the score, though; they’ll also check how you’ve been repaying over time.
Can NRIs apply for a home loan with Bank of Baroda?
Yes, they can. If you're living abroad and planning to buy property in India, the bank does allow that. The paperwork might take a bit more effort, though. You’ll need to share income proof from your current country, as well as a few additional documents. It depends on where you're based and what kind of work you do. The rest of the process works about the same. You can borrow a pretty high amount, and they usually offer long repayment timeframes. What matters is that everything looks clean on paper and your income feels steady.
What is the processing fee for Bank of Baroda home loans?
You’ll need to pay a small fee when you apply, covering admin and document checks. For loans ₹50 lakh or less, the fee is 0.5% or at least ₹8,500. Larger loans have slightly lower percentages, but max at ₹25,000. Fees vary if switching banks or adding loans. GST is extra, so costs may be higher.
Are there any prepayment or foreclosure charges for Bank of Baroda home loans?
If your loan is a floating-rate loan, you can pay it off early without incurring any extra charges. There is no penalty for closing it off completely or paying a chunk in between. For fixed-rate loans, it’s a bit different; some cases do come with a fee, but not all. It depends on how far along you are in the loan process and what type of plan you have. There’s no hard and fast rule here, so it’s worth pulling out your loan copy or asking the branch before making a move.
What is the repayment tenure for Bank of Baroda home loans?
It can extend up to 30 years, usually the maximum. Some choose shorter plans, while others opt for longer ones, based on what the bank deems suitable. Younger individuals with stable incomes often secure longer tenures. If you are near retirement or have a small loan, the term is shorter. There’s no universal rule — it depends on age, income, and loan size. The bank primarily wants to ensure that you can make payments.
What is the minimum and maximum tenure allowed for Bank of Baroda home loans?
There’s no strict rule on the shortest term, but it’s generally around 5 years or so. On the higher side, the bank allows repayment periods of up to 30 years, if your age and profile support it. What they look at is whether you’ll be able to repay comfortably over time. So someone in their late twenties might get the full stretch, while someone closer to retirement age may be offered something much shorter. The tenure isn’t fixed, it’s adjusted based on who you are and the stability of your finances.
Can I transfer my existing home loan to Bank of Baroda?
You can transfer your home loan to Bank of Baroda if you're unhappy with your current bank or find a better rate. Known as a balance transfer, it helps reduce interest payments. You'll need to resubmit documents and re-evaluate the property, but if the numbers work, switching is usually beneficial. Many borrowers lower their EMI with this option, and you can too.
When does Bank of Baroda disburse the home loan amount?
It typically occurs after the paperwork has been cleared. The bank doesn’t release the money straight after approval. Your documents must be verified, the property must be inspected, and the legal check must come back clean. Once all that’s in place and the agreement is signed, the loan amount is paid out. If it’s an under-construction property, they might not provide the full amount in one payment. It’s often done in stages, depending on how far the work has progressed.
Does the Bank of Baroda conduct legal and technical verification before disbursing home loans?
Yes, they do. Before releasing the loan, the bank makes sure everything about the property checks out. They’ll have a lawyer review your documents to ensure the ownership is clear and that everything is in order on the legal side. At the same time, someone visits the site to see how things look in real life, not just what’s written in the brochure or plan. If something doesn’t add up, they’ll hold back the money till it’s sorted. It’s just their way of avoiding surprises later.
Can I get a top-up loan on my existing Bank of Baroda home loan?
Yes, you can request a top-up if your current loan is managed well. The bank reviews your repayment history and income to see if you qualify for more borrowing. Consistently paying EMIs and having a remaining repayment period increase your chances of getting a loan. The top-up amount depends on what you’ve repaid and what you qualify for. It's a way to borrow more against the same property without a new loan.
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