/ 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.
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.
Mumbai ₹10 crore
other metros ₹5 crore
urban areas ₹3 crore
semi-urban/rural ₹1 crore, subject to income, repayment and /margin norms
30 years including maximum 36-month moratorium
₹5 lakh equivalent for the applicant/co-applicants whose income is considered
↓
Baroda Home Loan and Home Improvement Loan: up to ₹50 lakh, 0.50% of loan amount with minimum ₹8,500 and maximum ₹15,000
above ₹50 lakh, 0.25% with minimum ₹8,500 and maximum ₹25,000. Charges are unified and exclude
takeover is a flat ₹8,500 upfront. This schedule applies to the / home and home-improvement variants.
The takeover page links to the current retail-loan rate table. For Baroda Home Loan to non-staff members, the linked table publishes a floating spread of −0.70% to +1.05%
with the table's of 7.90% effective 6 December 2025, that is 7.20%–8.95% p.a. Product risk pricing and borrower terms determine the applicable rate.
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.
Mumbai ₹20 crore
other metros ₹5 crore
Hyderabad, New Delhi and Bengaluru ₹7.50 crore
urban ₹3 crore
semi-urban/rural ₹1 crore
Chandigarh/Panchkula/Mohali ₹5 crore.
Maximum 30 years including maximum 36-month moratorium.
No fixed minimum income threshold is stated. Repayment capacity uses net monthly salary bands: below ₹25,000 (40% deductions), ₹25,000–₹50,000 (60%), ₹50,000–₹1 lakh (65%), ₹1–₹2 lakh (70%), and ₹2 lakh or more (75%). Other applicants use average net annual income: up to ₹6 lakh (70%) and above ₹6 lakh (80%).
Takeover flat ₹8,500. Standard home-loan slabs: up to ₹50 lakh, 50% with minimum ₹8,500 and maximum ₹15,000
above ₹50 lakh, 25% with minimum ₹8,500 and maximum ₹25,000. Top-up: 0.35%, minimum ₹5,000 and maximum ₹12,500. Charges exclude .
The product page states no prepayment penalty and no pre-closure charges
borrowers may prepay in part or full from own sources.
The corporate states that the maximum is as per the Baroda Home Loan schedule
it publishes no separate corporate ceiling. The general Home Loan linked from the page states up to ₹10 crore per individual unit, subject to area and repayment capacity.
Fresh corporate loans: 15 years including the moratorium. Takeover loans: maximum period is the same as with the existing lender.
No minimum rupee income is published. The applicant must be a qualifying public/private company, partnership or incorporated in India for at least 5 years, active for the last 2 years and (for existing borrowers) have at least 6 months' relationship
the page instead sets a minimum loan amount of ₹1 crore and requires satisfactory rating/credit assessment.
above ₹75 lakh −0.45% to +1.30%, for salaried and non-salaried applicants.
Up to ₹75 lakh: −0.70% to +1.05% for salaried and non-salaried applicants.
Mumbai ₹20 crore
Hyderabad, New Delhi and Bengaluru ₹7.5 crore
other metros and Chandigarh tri-city ₹5 crore
urban ₹3 crore
semi-urban and rural ₹1 crore.
Up to 30 years initially, including a maximum moratorium of 36 months.
For // applicants whose income is considered, minimum gross annual income equivalent to ₹5 lakh
resident applicants are assessed under the published repayment-capacity percentages.
↓
Home loan up to ₹50 lakh: 50%, minimum ₹8,500 and maximum ₹15,000. Above ₹50 lakh: 25%, minimum ₹8,500 and maximum ₹25,000. Takeover: flat ₹8,500. Charges exclude .
For a fixed-rate Home Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If more than one account is involved (such as home loan and top-up), charges are calculated separately for each account. The product page separately publishes 'Pre-Closure Charges: Nil' for the Max Savings Home Loan.
The pre-approved home loan is priced at the prevailing Baroda Home Loan rate. The linked current table publishes a floating spread of −0.70% to +1.05%
with the table's of 7.90% effective 6 December 2025, that corresponds to 7.20%–8.95% p.a. before borrower-specific risk pricing.
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 crore, as listed for Baroda Pre-Approved Home Loan in the current Bank of Baroda Home Loans catalogue. The eventual sanction remains subject to income, score, security value and acceptance.
Up to 30 years, as listed for Baroda Pre-Approved Home Loan in the current Bank of Baroda Home Loans catalogue. The pre-approval itself remains valid for four months, which is separate from the eventual loan repayment tenure.
No fixed minimum income amount is published for the in-principle approval. The page says income and repayment-capacity documents are assessed under the applicable Baroda Home Loan, / or Advantage guidelines
the pre-approval is valid for 4 months and final sanction is not guaranteed.
₹8,500 plus applicable upfront and non-refundable
the balance of unified Home Loan processing charges is recovered after sanction. If property papers are submitted within the four-month validity, only the remaining applicable charges are recovered.
other metros and Chandigarh/Panchkula/Mohali ₹5 crore
urban ₹3 crore
semi-urban and rural ₹1 crore.
Maximum 30 years including a moratorium up to 36 months. Under-construction homes receive 18 months up to the seventh floor plus six months per additional floor, capped at 36 months, or one month after completion/possession, whichever is earlier.
No minimum rupee income amount is published. Salaried applicants must have at least 1 year of employment and non-salaried applicants at least 2 years in business/profession
the page applies -linked pricing and repayment-capacity assessment to eligible defence personnel.
Nil processing charge for Baroda Yoddha Home Loan customers
₹8,500 per property out-of-pocket expenses are listed separately in the service-charge schedule.
10 basis-point concession on the applicable Home Loan , subject to the minimum floor rate.
The applicable Baroda Home Loan rate and spread are used, with the 10 bps green-property concession applied subject to the scheme floor rate.
Maximum finance follows the limits and repayment-capacity norms of the existing Baroda Home Loan product.
Up to 30 years under the existing Home Loan scheme
term cannot exceed retirement or age 65, whichever is earlier.
Indian citizens, and , including salaried, self-employed professionals and businesspersons, who qualify under the existing Baroda Home Loan scheme
valid IGBC, GRIHA, LEED or other approved green certification is required
minimum age 21 and maximum age 60.
50% concession on the applicable home-loan card-rate fee
any upfront fee remains payable under extant Bank of Baroda guidelines.
For a fixed-rate Home Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If more than one account is involved (such as home loan and top-up), charges are calculated separately for each account. The product page separately publishes 'Pre-Closure Charges: Nil' for the Max Savings Home Loan.
The page directs applicants to the retail-loan rate table. For the linked Baroda Home Loan non-staff floating band, −0.70% to +1.05% applies
with 7.90% effective 06 December 2025, that is 7.20%–8.95% p.a. The sanctioned rate remains subject to the eligible-loan category and borrower risk pricing.
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.
Housing loan up to ₹8 lakh per eligible borrower
the page also describes a unit size up to 430 sq ft (40 sq m) carpet area.
Guarantee cover runs for the agreed housing-loan tenure, capped at 25 years or the loan-termination date, whichever is earlier.
New / urban borrowers seeking a housing loan up to ₹8 lakh for a dwelling up to 430 sq ft (40 sq m) carpet area, without collateral or third-party guarantee. Groups/housing societies of at least 20 eligible members may also qualify. household income is up to ₹1 lakh a year
Not published
The product page does not state a separate prepayment or foreclosure amount. The linked Bank of Baroda fixed-rate home-loan schedule provides nil own-source prepayment and 0.50% on takeover by another lender, but the scheme page does not expressly confirm that fixed-rate schedule for
applicability should be confirmed in the sanction terms.
Not published as a product-specific rate on the // page. The page says the scheme is governed by Bank of Baroda home-loan rules and //credit-appraisal norms, but does not map a spread or effective rate to this scheme.
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.
Metro centres: ₹35 lakh with maximum project cost ₹45 lakh. Other centres: ₹25 lakh with maximum project cost ₹30 lakh. Home improvement: ₹10 lakh metro and ₹6 lakh other centres.
The page's home-loan states a maximum home-loan term of 30 years, ending no later than retirement or age 65, whichever is earlier
it does not publish a separate //-specific term.
Applicant annual income up to ₹9 lakh
a regular income source and at least 12 months of Bank-account or transaction history are required.
Processing charge is stated as nil
legal and valuation out-of-pocket expenses are recovered at actual cost capped at ₹5,000 plus .
Part or full prepayment from the borrower’s own sources is permitted. The reviewed // page does not state a percentage or rupee prepayment charge for this scheme
applicable Bank of Baroda home-loan rules and the sanction terms govern any charge.
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.
No universal maximum loan amount is stated
sanction is based on the Bank’s eligibility calculation and repayment-capacity assessment.
Up to 360 months
a holiday or moratorium up to 36 months is also stated for eligible construction cases.
No fixed salary or annual-income floor is published. Income proof is required and co-applicant income may be considered.
Individuals: 0.35% of loan amount, minimum ₹1,500 and maximum ₹35,000. Non-individuals: 0.50%, minimum ₹3,000 and maximum ₹40,000.
No prepayment penalty is published for this product.
The page promises a lower rate and reducing-balance interest but does not publish a numeric percentage or benchmark.
Not published on the reviewed product page
no external benchmark or spread is stated.
₹50 lakh maximum for both salaried and non-salaried calculations
salaried quantum is 24 months gross salary and non-salaried quantum is two timesthree-year average gross income.
Leftover repayment period of the existing housing loan or 180 , whichever is less.
No universal rupee minimum income is published. Salaried quantum is 24 months of gross salary and non-salaried quantum is two times the applicant's three-year average gross income, each subject to ₹50 lakh
net take-home must remain 25% salaried or 30% non-salaried.
0.50% of loan amount
minimum ₹100 and maximum ₹500. Documentation is ₹100 per lakh, with ₹1,000 minimum and ₹25,000 maximum.
No prepayment penalty is charged. Release of security occurs only after both the housing loan and Home Loan Plus liabilities are closed.
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 applicable rate depends on the applicant profile and the Bank's prevailing policy, with no fixed percentage displayed on the reviewed page.
Not published on the reviewed product page
no benchmark or spread is stated.
No upper loan limit is stated
eligibility is subject to income, repayment capacity, financial profile and property value. Repairs/renovation is up to ₹15 lakh, and fixed furnishing is up to 25% of loan amount or ₹50 lakh, whichever is lower.
Up to 30 years or until the borrower reaches age 75, whichever is earlier.
No universal rupee minimum income is published. Salaried applicants are assessed at up to 72× monthly gross salary (96× selectively)
non-salaried applicants at up to 6× average three-year annual gross income (8× selectively). Gross-income evidence is required.
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus . A 50% processing-charge waiver is published for the Retail Loan Festival from 1 July 2026 to 30 September 2026
eligible Premium Payroll takeover borrowers have full waiver through 30 September 2026.
Housing-loan pricing is risk-profile based. The current all-variant fixed-rate table lists effective rates from 8.50% to 10.75% p.a. across CRG-PRIME and CRG 1–4
the applicable rate depends on the bank's risk assessment.
The reviewed page does not state a separate benchmark
the linked retail tables use /CRG risk pricing and fixed-rate risk bands.
Normally up to 4× annual gross income
up to 5× annual gross income may be considered case-by-case. No universal rupee ceiling is published on the page.
Up to 30 years or age 60, whichever is earlier
up to age 70 may be considered case-by-case subject to conditions. Repayment starts within 2 months for ready homes, 2 months after completion or 24 months for construction, and 2 months after completion or 36 months for under-construction flats, whichever is earlier.
No rupee minimum income is published. Loan quantum is normally up to 4× annual gross income, with up to 5× considered case-by-case
a steady income source and at least 2 years overseas employment are required.
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus
a 50% waiver is published for 1 July–30 September 2026.
No prepayment penalty for floating-rate housing loans, including takeover by another bank or housing finance institution.
The current PNB housing table applies + housing rates by score, and tenure
the Gen-Next page links to that table without a separate Gen-Next rate row. Reviewed floating housing rates are about 7.25%–10.15% p.a. across published slabs.
+ , with the housing table's and spread.
Minimum ₹20 lakh
maximum amount is need-based, subject to prescribed and repayment capacity. The scheme calculates up to 1.25 times the regular housing-loan eligibility amount.
Flat 30 years
moratorium up to 36 months generally or up to 60 months for an approved under-construction builder flat, with interest serviced during the moratorium.
Minimum net monthly salary ₹35,000
net salary is gross salary less statutory deductions such as income tax and provident fund.
The Gen-Next page links to PNB housing charges
the current schedule lists PNB Pride as nil but does not identify a separate Gen-Next line item.
Not published as a Gen-Next-specific amount on the reviewed scheme page or current housing charge schedule.
Floating home-loan rates in the reviewed PNB table range from 7.50% to 9.10% p.a. for the listed / bands
fixed rates range from 8.50% to 10.70% p.a. (standard public housing route).
+ (Repo Linked Lending Rate plus Business Strategic Premium)
PNB's page states the present + base used in the table.
Need-based for construction, additions and purchase
residential land/plot up to ₹1 crore, repairs/renovation up to ₹1 crore, and furnishing up to 25% of home loan or ₹1 crore, whichever is lower, within limits.
Maximum 30 years including moratorium for ordinary housing purposes
repairs/renovation maximum 15 years.
No numeric minimum income is published. Eligibility requires an assured regular income and repayment-capacity assessment
co-borrower income may be clubbed.
0.35% of loan amount, minimum ₹2,500 and maximum ₹15,000
documentation charge ₹1,350. The reviewed schedule labels these as housing-loan charges and notes a time-bound waiver campaign separately.
Not published for this housing-loan variant on the reviewed official product page or retail fee schedule.
Floating housing-loan rate under PNB's current Max-Saver table
the current sheet shows 7.40% p.a. for loans above ₹30 lakh with CIBIL 800+ and up to 80%. Other borrower/ bands vary.
+ , with the spread determined by //loan-amount band.
Minimum ₹10 lakh
maximum is need-based under PNB Housing Finance Scheme for Public.
As per PNB Housing Finance Scheme for Public
the overdraft drawing power reduces monthly so the facility is liquidated by the housing-loan tenure end.
Not separately published for Max-Saver
prospective borrowers follow PNB Housing Finance Scheme for Public eligibility and existing borrowers are assessed from the running housing-loan account.
As per PNB's retail-advance charge schedule
for housing/overdraft conversion the published schedule lists documentation charges of ₹450 and the applicable housing processing fee, not a separate Max-Saver fee.
Not separately published for Max-Saver
follows the public housing-loan scheme and applicable floating-rate retail-loan rules.
directs applicants to the live Home Loan card-rate page
no separate numeric Combo Home Loan rate is published on this product page.
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Not published as a fixed rupee cap on the reviewed product page
the composite-loan amount is assessed through eligibility/card-rate route.
Up to 30 years.
Not published as a rupee income threshold
the composite plot-plus-construction page states residency, age and income-document requirements, but no salary or annual-income floor.
directs applicants to the current processing-fee card-rate page
the product page does not publish a single product-specific fee.
No prepayment penalty is listed among the features.
directs applicants to the live Home Loan card-rate page
no separate numeric Home Loan rate is published on this product page.
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Not published as a numeric maximum
the page links the applicant to online loan-amount route.
Up to 30 years
Not published as a rupee income threshold
the page gives facility and borrower conditions but no salary or annual-income floor.
Not published as a -specific numeric fee
the page links the general current processing-fee card without identifying a row or amount.
7.25% p.a. onwards, subject to card-rate terms and borrower profile
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Not published as a fixed rupee cap on the reviewed product page
the Flexipay amount is assessed through eligibility/card-rate route.
360 months, with application by age 45 and repayment by age 70
Not published as a rupee income threshold
Flexipay is limited to salaried borrowers and asks for salary/Form 16 or tax-return evidence, but gives no salary floor.
0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus for salaried customers
7.25% p.a. onwards, subject to card-rate terms and borrower profile
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Not published as a fixed rupee cap on the reviewed product page
sends applicants to its online eligibility/card-rate route for the sanctioned amount.
360 months, subject to repayment by age 70
Not published as a rupee income threshold
the page specifies resident-borrower eligibility and requests income documents, but gives no salary or annual-income floor.
0.35% of loan amount
salaried minimum ₹5,000 and maximum ₹15,000, non-salaried minimum ₹5,000 and maximum ₹18,000, plus
7.25% p.a. onwards, subject to card-rate terms and borrower profile
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Not published as a fixed rupee cap on the reviewed product page
sends applicants to its online eligibility/card-rate route for the sanctioned amount.
Not published as a numeric maximum on the reviewed balance-transfer page
it states 'Extended Loan Tenure' and directs applicants to applicable home-loan terms.
Not published as a rupee income threshold
the page requires a qualifying existing-loan borrower and income documents, but gives no salary or annual-income floor.
0.35% of loan amount, with current salaried or non-salaried minimum and maximum caps, plus
non-salaried and credit-profile card pricing applies
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
₹20 lakh to ₹50 crore
↑
360 months
Not published as a rupee income threshold
the differential non-salaried page asks for tax returns and financial statements, but gives no annual-income floor.
0.35% of loan amount, minimum ₹5,000 and maximum ₹18,000, plus
Not published on the complete Home Loan to Non-Salaried page or its linked current rate/fee source.
directs applicants to the live Home Loan card-rate page
no separate numeric repair-and-renovation rate is published on this product page.
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Up to ₹1 crore
Up to 20 years
Not published as a rupee income threshold
the repair/renovation page gives a and property-age condition and asks for income documents, but no salary or annual-income floor.
0.35% of the loan amount
minimum ₹5,000 and maximum ₹15,000 for salaried customers, or minimum ₹5,000 and maximum ₹18,000 for non-salaried customers, plus .
No absolute maximum loan amount is published on the reviewed Home Loan page. It publishes a minimum loan amount of ₹15 lakh, tenure up to 30 years and a link to the current loan-amount eligibility journey.
30 years
No numeric minimum income is published. Home Loan checklist requires employment, salary and tax evidence for the applicant/co-applicant (including last three months' salary proof, six months' salary-credit statements and tax returns, with business financials for non-salaried applicants).
0.35% of loan amount
minimum ₹5,000 and maximum ₹15,000 for salaried or ₹18,000 for non-salaried customers, plus
directs applicants to the live Home Loan card-rate page
no separate numeric 2.0 rate is published on this product page.
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Loan up to ₹25 lakh, project cost up to ₹35 lakh and maximum interest subsidy ₹1.80 lakh
Not published as a separate numeric maximum on the reviewed 2.0 page
the scheme page describes the subsidy and loan limits but leaves repayment tenure to the applicable home-loan sanction terms.
Gross annual household income up to ₹9 lakh
No processing fee up to a loan amount of ₹8 lakh
thereafter the regular home-loan fee applies
Not published on the complete 2.0 product page or its linked current rate/fee source.
7.25% p.a. onwards, subject to card-rate terms and borrower profile
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Not published as a fixed rupee cap on the reviewed product page
the pre-approved amount is shown through offer/eligibility route.
360 months, subject to repayment by age 70
Not published as a rupee income threshold
the offer is pre-approved using assessment and the page gives no salary or annual-income floor.
Non-refundable applicable home-loan processing fee is collected at sanction
current schedule is 0.35% with applicant-type caps plus
also publishes a check-off concession for this scheme
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Not published as a fixed rupee cap on the reviewed product page
the Privilege amount is assessed through eligibility/card-rate route.
360 months, subject to repayment by age 75
Not published as a rupee income threshold
the scheme is for eligible government, PSB and employees and asks for income evidence, but gives no salary floor.
Full waiver of processing fee
out-of-pocket legal, valuation, CERSAI and charges continue at actuals
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
₹15 crore
The introduction and features say repayment up to 15 years, while the eligibility block says loan tenure up to 10 years
confirm the applicable maximum with
Not published as a rupee income threshold
the plot-loan page states age and residency rules and asks for income evidence, but gives no salary or annual-income floor.
Home Loan and Top Up processing fee: salaried customers 0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus
non-salaried customers 0.35%, minimum ₹5,000 and maximum ₹18,000, plus .
publishes lower relationship pricing and a check-off concession subject to terms
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Not published as a fixed rupee cap on the reviewed product page
the Shaurya amount is assessed through eligibility/card-rate route.
360 months, subject to repayment by age 75
Not published as a rupee income threshold
the scheme is for eligible Defence, Navy and Air Force personnel and asks for income evidence, but gives no salary floor.
Full waiver of processing fee
out-of-pocket legal, valuation, CERSAI and charges continue at actuals
directs applicants to the live Home Loan card-rate page
no separate numeric Tribal Plus rate is published on this product page.
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
₹30 lakh for salaried and ₹20 lakh for non-salaried borrowers
Up to 15 years
Not published as a rupee income threshold
the scheme specifies hilly/tribal-area residency, age and income documents, but gives no salary or annual-income floor.
0.35% of the loan amount
minimum ₹5,000 and maximum ₹15,000 for salaried customers, or minimum ₹5,000 and maximum ₹18,000 for non-salaried customers, plus .
The current retail table publishes score-linked Green Home rates from 7.15% p.a. for eligible 825+ score cases
an additional 10 basis-point lower rate is allowed from receipt of the required green-house/project certificate.
Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.
No universal maximum amount is published on the reviewed Union Home/Green Home rate page or current retail table
sanction is governed by scheme, , income and repayment-capacity rules.
No universal maximum tenure is published on the reviewed page/ for this variant
detailed scheme terms determine repayment tenure by purpose, vehicle/property and borrower profile.
No fixed rupee income floor is published in the reviewed Green Home rate table
underlying home-loan assessment includes monthly income and repayment capacity.
No numeric processing-fee amount or percentage is published on the reviewed product pages or in the current retail for this product family. The Union Vehicle page mentions a processing-fee cheque when applying, but does not publish the fee amount on the reviewed page.
No prepayment penalty is published for the underlying Union Home Loan
the Green Home variant follows that underlying home-loan condition on the reviewed source.
the final rate depends on score, loan amount and monthly income. The 18 August 2026 table publishes score-linked Union Home tiers from 7.15% p.a. for eligible 825+ score cases, with higher tiers for lower scores and different borrower/property bands.
Union Bank's published reference benchmark is (Repo Rate), shown as 8.00% effective 13 June 2026 on the current loans-and-advances rate page. Product-specific premiums and concessions are shown separately in the retail table.
No universal maximum amount is published on the reviewed Union Home/Green Home rate page or current retail table
sanction is governed by scheme, , income and repayment-capacity rules.
No single maximum repayment tenure is stated on the reviewed Union Home Loan rate page
the detailed scheme terms determine tenure by purpose and borrower profile.
No fixed rupee minimum salary or annual-income amount is published on the reviewed Union Home Loan rate page or retail table
income is one of the stated pricing and repayment-capacity factors.
No numeric processing-fee amount or percentage is published on the reviewed product pages or in the current retail for this product family. The Union Vehicle page mentions a processing-fee cheque when applying, but does not publish the fee amount on the reviewed page.
No prepayment penalty is published for the underlying Union Home Loan
the Green Home variant follows that underlying home-loan condition on the reviewed source.
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 Home LoanBank of Baroda
