the retail-loan table identifies -linked pricing for these vehicle-loan rows.
The lowest of 75% of latest market value, 75% of agreement/invoice value, or 100% of insured declared value ().
Maximum 60 months
repayment period plus vehicle age from the original invoice date must not exceed 96 months.
Salaried employees and pensioners: ₹2.50 lakh and above. Businessmen, professionals, directors and agriculture/allied applicants: ₹3.00 lakh and above.
0.50% of loan amount plus
minimum ₹2,500 plus and maximum ₹10,000 plus .
Floating rate: nil. Fixed rate: nil part-payment up to cumulative ₹40,000 within the first 2 years and nil after 2 years
2% plus applies to the entire prepaid amount when the ₹40,000 threshold is exceeded in the first 2 years or when the account is closed within the first 2 years.
Floating effective rate 7.60%–11.30% p.a. for a new car
fixed effective rate 8.50%–11.20% p.a., subject to the applicant's credit profile and scheme conditions.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
₹2 crore individuals
₹5 crore non-individuals
Up to 84 months.
No fixed minimum income threshold is stated. Repayment capacity is tested against gross monthly income: total deductions including the proposed may be up to 60% below ₹50,000, 70%from ₹50,000 to below ₹1,50,000, and 80% at ₹1,50,000 or more. Other applicants are assessed on average annual income over the last 2 years: 60%below ₹6 lakh and 80% at or above ₹6 lakh.
₹1,500 + up to ₹10 lakh
₹2,000 + above ₹10 lakh
Floating-rate individual borrowers: nil. Fixed-rate loans: nil part payment up to ₹40,000 within the first two years and nil after two years
fixed pricing uses 1-year + Strategic Premium + 3.80%–9.15%. The applicable spread is based on the applicant's score and internal score. Bank of Baroda publishes 7.90% effective 6 December 2025 and 1-year 8.75% effective 12 August 2026 on its retail-rate page.
No single minimum salary or income floor is published. Instead, the uses income bands for assessment: salaried applicants up to ₹50,000 net monthly income are assessed at 40% , rising to 65%above ₹2,00,000
self-employed applicants up to ₹50,000 gross monthly income are assessed at 35% , rising to 60%above ₹2,00,000. Net income uses the last 6 months' salary credits
gross income uses the last 2 years' income divided by 12, with proportionate tax considered.
2% of loan amount plus applicable
minimum ₹1,000 plus and maximum ₹10,000 plus . Stamp duty is as per the applicable state stamp act.
2% p.a. on overdue instalments, interest and service charges for the actual days of default
also 2% p.a. on outstanding credit facilities for non-submission of sanctioned documents, security-perfection breaches or other material sanction non-compliance.
/ Home Improvement Loan and / Home Loan Max Savings: floating rate linked to the bank's one-year , ranging from one-year to one-year +1.00%, reset annually and set with reference to applicant/co-applicant . The current one-year is 8.75% effective 12 August 2026, giving a published reference range of 8.75%–9.75% p.a.
and reset annually
-linked range is from one-year to one-year +1%
Mumbai ₹10 crore
other metros ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore, subject to income, repayment capacity and /margin.
Maximum 30 years including maximum 36-month moratorium
under-construction properties receive 18 months up to the seventh floor plus 6 months per floor thereafter, capped at 36 months.
are not eligible. Applicants considered for income must have at least two years of overseas work/business and minimum gross annual income equivalent to ₹5 lakh. Maximum tenure is 30 years, with up to 36 months moratorium.
Processing, documentation, verification/vetting, pre-sanction CPV, one-time post-inspection, legal, valuation, bureau, CERSAI and -verification charges are included
current charges are linked from the official service-charge page.
For tenor up to 120 months and facility up to ₹7.5 crore: + +0.75% to + +3.35%
effective 8.90% to 11.50%.
+ +0
Metro ₹25 crore, urban ₹10 crore, semi-urban ₹5 crore and rural ₹25 lakh.
Term loan up to 180 months
overdraft is for 12 months subject to annual review.
Resident individual applicants whose income is considered for eligibility should have been employed or engaged in business or profession for at least three years
a service break of up to three months may be allowed.
Term loan: 1%, minimum ₹8,500 upfront per property and maximum ₹1,50,000. Overdraft up to ₹3 crore: 0.35%, minimum ₹8,500 and maximum ₹75,000
above ₹3 crore: 0.25%, minimum ₹8,500 and no maximum. Charges exclude .
2% within 12 months after initial sanction
nil after 12 months. For term loans, charges use the higher of scheduled amortisation balance or outstanding balance.
the page states an additional 0.05% where the individual customer does not opt for group credit-life insurance.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Up to ₹10 lakh.
Up to 60 months.
Salaried persons, businessmen, professionals, farmers, and staff/ex-staff under the public scheme
borrower minimum age 21 and age at the end of repayment not above 70.
2% of the loan amount, minimum ₹250 + .
Floating-rate: nil. Fixed-rate: nil part payment up to ₹10,000 within the first two years and nil after two years
the page otherwise describes fixed-rate pre-closure conditions.
floating 7.60%–11.15% p.a. for a new electric vehicle.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Up to ₹5 crore for private-use vehicles (individual maximum ₹3 crore)
up to 90% of on-road price.
Up to 84 months
salaried individuals with CIBIL 726 or above may receive up to 96 months. Fixed-rate minimum is 37 months.
Salaried employees, businessmen, professionals, farmers, eligible companies/firms and /
minimum borrower age 21 and maximum age at end of repayment 70
minimum CIBIL 701 or −1 is eligible.
₹750 + up to ₹10 lakh
₹1,000 + above ₹10 lakh.
Nil part-payment charges up to a cumulative ₹10,000within two years of first disbursement
nil prepayment charges after two years. If the amount exceeds ₹10,000 within the first two years, or the account is closed within two years, 2% + applies to the entire pre/part-paid amount.
maximum ₹1 crore for rural, semi-urban and urban branches and ₹2 crore for metro branches.
Not published for this overdraft facility. The official page publishes the facility as an overdraft and gives loan limits, but no repayment period, review period or expiry term.
Not published for this facility. Eligibility is expressed through commission-agent/arthia status, at least 2 years of business experience, market registration and a valid licence
no income or turnover threshold is stated.
Not published for this facility. The official page’s Service Charges section says ‘Coming Soon’ and supplies no processing, documentation, inspection or commitment amount.
Not published for this overdraft facility. The official product page does not state a prepayment, foreclosure or early-closure charge, and the linked template contains no product-specific charge.
Self advance: + 100 bps. Third-party advance up to ₹2 lakh: + 100 bps
above ₹2 lakh, + 300 bps for personal purpose or + 400 bps for business purpose.
+ 100 bps
For the depositor’s own advance: up to 90% of the deposit’s present value with 10% margin. For a third-party advance: up to 80% of present value or ₹100 lakh, whichever is lower, with 20% margin.
Not published as a separate borrower repayment tenure. The page specifies quarterly interest servicing and deposit-adjustment repayment, but no loan term in months or years.
No income threshold is published. The facility is secured by the (B) deposit and is governed by the self/third-party, and purpose conditions stated on the page.
Not published on the reviewed official page
no processing, documentation, inspection or commitment charge is stated.
No borrower prepayment or foreclosure charge is published. The page states that the (B) deposit cannot be prematurely withdrawn while the advance is availed
two consecutive quarters of unpaid interest can trigger withdrawal to liquidate the outstanding facility.
For Baroda Mortgage Loan individuals, the current floating rate is 8.90%–11.50% p.a. ( + strategic premium + 0.75% to 3.35%), subject to risk rating. The retail rate page notes additional pricing for tenor above 120 months, limits above ₹7.50 crore and overdraft facilities
the product page itself permits term loan or demand loan only.
Bank of Baroda says applies to all retail lending products. The current page lists at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year at 8.75% effective 12 August 2026. Product-specific spreads, pricing and scheme conditions determine the applicable rate.
Loan available up to ₹25 crore.
Term loan: 120 months
overdraft: 12 months, subject to annual review.
Minimum gross annual income, averaged over the last 3 years, is ₹5 lakh, including co-applicant income counted for the limit.
From the second post-sanction inspection onward, ₹100 plus per inspection is charged to the borrower.
For an individual Mortgage Loan, the fixed-rate home/mortgage schedule publishes nil own-source prepayment and 0.50% of outstanding at takeover by another lender. The product page does not publish a separate conflicting rule
floating-rate accounts remain subject to the applicable sanction terms.
Rate of interest is as applicable to the Bank of Baroda sector pricing mechanism and is revised from time to time
the page does not publish one fixed rate for every Mudra borrower.
Mudra Loan pricing is not tied to a single external benchmark in the reviewed product page. Bank of Baroda states that the rate is as applicable to its -sector pricing mechanism and may be revised
no fixed benchmark or universal rate is published.
Up to ₹20 lakh: Shishu up to ₹50,000
Kishore ₹50,001–₹5 lakh
Tarun ₹5,00,001–₹10 lakh
Tarun Plus ₹10,00,001–₹20 lakh for borrowers who repaid a Tarun loan.
Term/demand facility up to 84 months with suitable moratorium and annual review
working-capital facility 12 months subject to annual review.
No minimum income amount is published. eligibility is based on a non-farm micro or small enterprise engaged in income-generating manufacturing, trading, services or allied agriculture, with credit needs up to ₹20 lakh
the page explicitly says there is no minimum loan amount.
linked to score and calculated on a daily reducing balance.
The published starting rate is linked to the borrower’s score and calculated on a daily reducing balance. No separate named benchmark is published on the reviewed page.
Up to 90% of the cost for a new vehicle and up to 70% for an old vehicle. No third-party guarantee is required up to ₹50 lakh under the stated condition.
Two-wheelers: up to 60 months. Four-wheelers and water vehicles: up to 84 months.
No fixed individual salary or annual-income amount is published. The page requires salary slips/ or self-employed financial statements
sanction depends on repayment capacity and credit assessment.
New four-wheelers: 0.25%, minimum ₹2,500 and maximum ₹10,000. Two-wheelers and old vehicles: 1.00%, minimum ₹1,000 and maximum ₹5,000. E-vehicles receive a 50% processing-fee concession.
No prepayment penalty is published for this product.
Up to ₹10 lakh: current effective 11.50% p.a.Above ₹10 lakh: current effective 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Applicable / unit cost or project cost
no single rupee cap is published.
Seven to 15 years including gestation, aligned with crop harvesting and produce marketing.
No salary floor applies. Eligible landowners, permanent tenants and sufficiently long-term leaseholders are financed against applicable / unit or project cost.
Agriculture term-loan tariff: nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore.
2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit
nil when principal outstanding is below 25% of sanctioned limit
Up to ₹3 lakh: 7% p.a. fixed for up to one year under the Government interest-subvention rule. Above ₹3 lakh to ₹10 lakh: current effective 11.50% p.a.Above ₹10 lakh: current effective 12.50% p.a.
Above ₹3 lakh: one-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
No single rupee cap is published
the limit follows the crop/area formula and rises by 10% for cost escalation in each successive year from year two through year five.
Five-year validity subject to annual review
Kharif is due next March, Rabi next June and horticultural crops next September.
No salary floor applies. The first-year limit is crop scale of finance × cultivated area, plus 10% for post-harvest/household needs and 20% for farm-asset repairs.
Up to ₹3 lakh: nil for small/marginal farmers
0.35% of sanctioned limit for large/other farmers. Above ₹3 lakh: 0.35% of sanctioned limit.
For cash credit, 2% of sanctioned limit only when the account is taken over by another financial institution
Floating 7.45%-11.75% p.a. by salaried/non-salaried band
firms/companies 8.55%-9.05%. Fixed 10.15%-10.85% p.a. for eligible loans up to ₹50 lakh with CIC above 700, reset after three years.
Floating: 8.05% with -0.60% to +3.70% individual spread or +0.50%-1.00% entity spread. Fixed: 1-year 8.85% plus 1.30%-2.00%.
Maximum loan limit ₹5 crore for an individual and ₹10 crore for a non-individual, subject to permissible deduction norms.
Maximum repayment period 84 months.
Salaried and pensioner applicants: gross monthly income/pension ₹25,000 or more. Self-employed professionals: ₹3 lakh last-year income with the past two years' . Businesspeople/agriculturists: ₹4 lakh last-year income with the past two years' . Corporate applicants: tangible net worth at least five times the requested loan.
0.25% of loan amount, minimum ₹1,000 and maximum ₹15,000, excluding .
No pre-payment, pre-closure or part-payment charges.
Floating rate: 0.25 percentage point below the applicable Maha Super Car rate, subject to the - 0.60% floor
current effective range 7.45%-11.50% p.a. Fixed rate for eligible loans up to ₹50 lakh and CIC above 700: 10.05%-10.75% p.a., reset after three years.
Floating: 8.05% with applicable car-loan spread less 0.25%, subject to a 7.45% floor. Fixed: 1-year 8.85% plus 1.20%-1.90%.
Individuals: ₹5 crore. Non-individuals: ₹10 crore. Eligible existing housing-loan borrowers may receive up to 100% of on-road price
others have at least 10% margin.
Up to 84 months.
Salaried/pensioners: ₹25,000 gross monthly. Self-employed professionals: ₹3 lakh last-year income plus two years' . Business/agriculture: ₹4 lakh last-year income plus two years' . Corporate tangible net worth must be at least five times the requested loan.
Nil processing fee and nil account-handling charge.
Nil prepayment, pre-closure and part-payment charge.
current 11.00%above ₹5 lakh. Other , federations and NGOs: current 11.00% p.a.
One-year9.00%
above ₹5 lakh and other /federation routes add BSS 0.50% + 1.50%.
No universal cap. First dose/year is 6× corpus or at least ₹1.5 lakh
second 8× corpus or at least ₹3 lakh
third at least ₹6 lakh
fourth onward above ₹6 lakh by and credit history. Published no-collateral rules extend through ₹20 lakh.
Term-loan dose 1: 24–36 months
dose 2: 36–48
dose 3: 48–60
dose 4 onward: 60–84. Cash-credit minimum ₹6 lakh route runs three years with annual drawing power.
No salary floor. Normally six active months plus Panchasutras and grading
revived groups need three active months.
Government-sponsored working capital: nil. Other agriculture cash credit: nil up to ₹5 lakh, then 0.35% p.a. Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore.
Term loan: 2% when prepayment exceeds 25% of sanctioned limit
cash credit: 2% of sanctioned limit only on takeover by another institution. are exempt.
The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakhup to ₹1 crore, subject to applicable risk and liquidity-premium rules.
Marginal Cost of Funds based Lending Rate (), with liquidity premium where applicable for longer repayment periods.
No universal rupee ceiling is published
amount follows the dairy project, animal/equipment cost, margin and security norms.
Animal purchase: 5–7 years monthly/quarterly. Heifer rearing: 5–6 years including 30-month grace. Shed/processing projects may receive 12–18 months moratorium
otherwise 1–2 months may apply.
No rupee income minimum is published
dairy experience, fodder, water, veterinary access and assured marketing are required.
The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakhup to ₹1 crore, subject to applicable liquidity premium and risk rules.
Marginal Cost of Funds based Lending Rate (), with liquidity premium for longer tenors where applicable.
No universal rupee ceiling is published
quantum follows approved machinery cost and margin. Second-hand tractor margin is 40%.
Repayable within 5 to 9 years by half-yearly or yearly instalments based on income generation.
No rupee income minimum is published
landholding, cropping pattern, machinery use and repayment capacity are assessed.
Not published on the reviewed Farm Machinery page.
Not published on the reviewed Farm Machinery page.
CRG-Prime effective rate shown in Canara's official fixed-rate retail table: 8.60% p.a.
the applicable customer rate can vary by risk grade and prevailing table.
Repo Linked Lending Rate (), shown at 8.00% in the reviewed Canara rate table
spread and concessions depend on CRG grade.
No upper limit is published for a new electric vehicle
financing is up to 90% of new-vehicle cost, subject to eligibility and repayment capacity.
Up to 84 .
Salaried: minimum gross salary ₹3 lakh a year. Other-than-salaried: latest gross annual income ₹3 lakh and three-year gross-average annual income at least ₹2.50 lakh. Agriculturist applicant/co-applicant combined income: at least ₹4 lakh a year.
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.
The official retail range table shows Housing Loan contracted rates of 7.15%–10.00% p.a. (mean 8.06%)
the agriculturist variant follows the housing scheme and borrower CRG.
No separate benchmark is stated on the agriculturist product page
the applicable housing retail table governs pricing.
No upper limit subject to income. Salaried: up to 72× monthly gross (selectively 96×)
other-than-salaried: up to 6× three-year average gross income (selectively 8×). Repairs up to ₹15 lakh
furnishing up to 15% or ₹50 lakh lower.
Up to 30 years or age 75, whichever is earlier.
Minimum gross annual income ₹5 lakh for eligible agriculturists, with over 5 acres irrigated or 10 acres dry land and two years' satisfactory Canara dealings generally required.
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus
50% waiver published for 1 July 2026 to 30 September 2026.
the subsidised crop rate is published as 7% p.a.up to ₹3 lakh.
No universal rupee ceiling is published
the first-year short-term limit is assessed from scale of finance, acreage and stated sub-limits: 10% for post-harvest/household needs and 20% for farm-asset repairs.
Working-capital limit valid for five years subject to annual review
term-loan sub-limit repayable in yearly or half-yearly instalments, maximum five years.
No income minimum is published
eligibility uses farmer status, cultivation/tenancy and scale-of-finance assessment.
Not published on the reviewed page
the applicable agriculture tariff must be confirmed for the sanctioned limit.
The official Canara vehicle rate-range table shows 7.45%–15.00% p.a. contracted range (mean 9.09%) for Canara Vehicle
the agriculturist variant follows the vehicle scheme and customer CRG.
Vehicle scheme benchmark is not separately stated on the agriculturist page
the applicable Canara retail vehicle rate table governs pricing.
No upper limit, but total quantum cannot exceed one year's annual borrower income. For a used vehicle not over three years old, the amount is the least of 60% appraised value, 60% agreed price, 60% original price or ₹50 lakh, with minimum 50% margin.
New vehicles: maximum 84 months. Used vehicles: maximum 60 months or remaining useful life, whichever is lower. Monthly, quarterly, half-yearly or yearly repayment may follow income/crop cycle.
Net take-home after must be 40% of gross annual income and at least ₹1.50 lakh a year. Dairy, poultry, plantation and horticulture applicants need minimum gross annual income of ₹4 lakh where the landholding test does not apply.
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus
a 50% waiver is published for 1 July 2026 to 30 September 2026.
the official page directs applicants to Indian Bank's lending-rates link.
No named benchmark or spread is published on the product page.
Subsidy project-cost ceiling ₹20 lakh for an individual (₹25 lakh for an extremely successful individual project) and ₹1 crore for a group project of at least five trained persons
finance can be higher if technically and financially viable, but subsidy remains scheme-limited.
Five to ten years depending on activity, including a maximum two-year moratorium.
No income threshold is published
applicants must meet the age, agriculture-qualification and training requirements.
As per the service-charge circular for agricultural advances
no numeric ACABC fee is published on the product page.
No separate prepayment or foreclosure charge is published.
Jewel Loan (Non-Priority) term loan with bullet repayment: 9.10% p.a. floating in Indian Bank's current rate table dated 14 August 2026. The current table lists the separate -against-gold-jewels rate under the product.
The Jewel Loan term row is labelled floating but the current official table does not identify a named benchmark or spread.
Retail jewel loans are capped at ₹25 lakh per customer, with an aggregate customer ceiling of ₹50 lakh across the published agriculture/retail/ jewel-loan limits. Up to five jewel loans may be held at one time.
Bullet repayment: maximum 12 months, repaid at the end of the 12th month with accrued interest. repayment: maximum 35 months, with beginning in the month after disbursement.
No rupee minimum income is published. For retail jewel loans up to ₹2.50 lakh, the bank may use the borrower's income declaration or proof
above ₹2.50 lakh, valid , Form 16 or other income proof is mandatory with detailed repayment-capacity assessment.
Nil under the current Indian Bank schedule for Jewel Loan (Non-Priority).
The current Jewel Loan page and linked fee schedule do not state a separate prepayment or foreclosure charge.
the page publishes no product-specific percentage or spread. The current benchmark sheet lists one-year at 8.85% effective 03 August 2026, but the applicable spread is not stated.
Indian Bank lending rates
the 03 August 2026 benchmark sheet lists one-year at 8.85%. Product-specific spread is not published.
Agriculture, allied-agriculture and non-agriculture activity: group maximum ₹10 lakh, subject to ₹1 lakh per individual. Tenant and oral-lessee groups: group maximum ₹5 lakh, subject to ₹50,000 per individual.
Six to 60 months, depending on the activity for which the loan is sanctioned.
No income threshold is published
eligibility is based on composition, activity and member repayment standing.
No -specific processing fee is published on the reviewed page.
No separate prepayment or foreclosure charge is published on the reviewed page.
the page provides an reference but no product-specific percentage.
is referenced, but no numeric spread is printed.
₹25 lakh.
Revolving cash-credit limit
no fixed month/ year maximum is published, and cash generated must be routed through the account.
No income threshold is published
the product is for individual owner-cultivator farmers assessed on DLTC scale of finance.
For agricultural jewel loans, up to ₹50,000: nil
above ₹50,000: 0.20% of loan amount with minimum ₹200. The official footnote specifically applies 0.20% to Gold Plus and Marine Gold limits above ₹3 lakh
Digital : 7% p.a.up to ₹3 lakh under the Government of India interest-subvention scheme until the renewal due date or one year from sanction, whichever is earlier. If not repaid or renewed by then, the states (1-year) + 2.50% spread
prompt-repayment incentive applies subject to the scheme continuing.
(one-year) with a 2.50% spread is the stated post-due formula for the digital account
subvention-supported components are charged at the Government scheme rate while eligible.
Digital currently supports up to ₹2,00,000 (the fifth-year limit)
higher limits can be requested offline. Digital renewal combines a customer's up to ₹2,00,000 and permits 10%, 20% or 30% annual enhancement subject to eligibility and a ₹2,00,000 ceiling.
documentation covers five years subject to annual renewal. A digital account becomes eligible for renewal from nine months after limit setting and within four yearssix months of account opening
digital renewal can be selected from the second year onward.
No income threshold is published for or Digital . Digital applicants must be existing Indian Bank customers with individual land holding recorded in their name and meet the published credit and prerequisites.
No processing charge is collected for the Digital journey. verification, digital-documentation and state stamp-duty charges are collected at actuals where applicable.
No separate prepayment or foreclosure charge is published in the reviewed page or digital .
11.20% p.a. effective 15 August 2025, based on one-year of 8.70% plus 2.50%
One-year plus 2.50 percentage points
the rate table lists 8.70%one-year and 11.20% effective interest for / loans (effective 15 August 2025).
Up to 60% of certificate face value plus accrued interest, with no published rupee ceiling while the required margin is maintained
Aligned to the remaining maturity of the pledged or
outstanding must not exceed certificate maturity value
No numeric income threshold is published. Eligibility is based on being at least 18, owning the pledged /, and maintaining or opening an savings account.
0.35% of loan amount, minimum ₹500 and maximum ₹2,500, plus applicable
No prepayment or foreclosure charges are published for the / facility.
1.00 percentage point above the rate paid on the pledged time deposit, irrespective of loan amount
table publishes one-year as 8
No maximum limit stated in the product table
Rupee facility: up to remaining deposit maturity
(B)-backed foreign-currency loan: 1, 2 or 3 years or remaining maturity, with a one-year minimum
No income threshold is published. The facility is secured against the depositor's eligible , or (B) deposit
the product table publishes minimum loan as no limit for rupee facilities and currency-specific minimums for (B) foreign-currency loans.
Not published on the reviewed Loan Against Deposits page or its linked rate table. The product page lists the facility, deposit security, margins and repayment but no processing-fee amount or waiver.
or (B): not permitted
: permitted after outstanding principal and interest are settled first
auto-loan table shows the 1-year reference at 8.70%
the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.
₹1.5 lakh to ₹25 lakh
60 months
₹3 lakh for salaried, pensioner, professional and business applicants
₹4 lakh for agriculturists
2% of loan amount, maximum ₹10,000, plus
Not published for the Super Bike Loan. The official covers the product but publishes its NIL pre-payment statement only for new car loans
the Super Bike page does not state a separate prepayment or foreclosure charge.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Baroda Car LoanBank of Baroda
Baroda Digital Personal LoanBank of Baroda
Baroda Two Wheeler LoanBank of Baroda
Baroda Home LoanBank of Baroda
