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.
The linked Baroda Car Loan page publishes new-car floating rates of 7.60%–11.30% p.a. ( −0.30% to + Strategic Premium +3.15%) and fixed rates of 8.50%–11.20% p.a. The applicable rate is based on applicant/co-applicant
the Yoddha page links to these car-loan details.
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 90% of the on-road price, with uniform 10% margin
credit-life premium may take total up to 95%.
Up to 7 years.
No fixed minimum income amount is stated. The official table uses 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
the page says the last 3 months’ is considered for salaried and pensioner applicants.
Nil processing charges for the Baroda Yoddha auto-loan offer.
Floating-rate: nil. Fixed-rate: 2% + on the prepaid amount above ₹40,000 during the first year.
Regular pensioners: up to ₹8 lakh up to age 70 and ₹5 lakh above age 70
family pensioners: up to ₹3 lakh up to age 70 and ₹1.50 lakh above age 70
60 months for borrowers up to age 70
36 months for borrowers above age 70
No separate minimum pension amount is published
total monthly deductions, including the proposed and existing-loan , must not exceed 60% of monthly pension
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The dedicated Yoddha page does not print a separate fee. The linked pensioner page publishes nil for pensioners/family pensioners and ₹1,000 plus for others.
Current new e-vehicle rates run from 7.60% to 9.65% p.a. floating and 8.60% to 10.65% p.a. fixed, varying by borrower type and band
the table includes a 0.05% concession versus other new-car pricing.
+ with borrower and -dependent spread
the e-vehicle column receives a 0.05% rate concession.
For individuals and proprietorship concerns, up to 25 times gross monthly salary/pension/income with a ceiling of ₹1 crore
business concerns have no published ceiling.
Maximum 120 equated monthly instalments, beginning in the month after disbursement
repayment must finish by age 70 for salaried persons with pension/pensioners and age 65 for others.
Minimum net monthly salary, pension or income ₹25,000. No minimum monthly income is required when the borrower provides liquid security equal to 110% in a term deposit.
Floating rate is 10.60% p.a. for eligible government/State//private salary, pensioner, /TRV and existing-loan routes with ≥800
11.60% at CIBIL 750–799
12.60% at CIBIL 700–749 or nil/no hit where applicable. Fixed rates are 1 percentage point higher in the published table.
+ (Repo Linked Lending Rate plus Business Strategic Premium), with spread determined by customer route and band.
₹20 lakh for eligible government/defence/paramilitary/ and PNB-salary private employees
₹8 lakh for existing borrowers or pensioners, ₹4 lakh for /TRV route and ₹6 lakh for customers with fully repaid loans.
Maximum 72 months, with route-specific age caps of 60, 65 or 70 years.
No numeric income floor is published. PAPL eligibility is pre-approved through salary, pension, existing-loan, quarterly-average-balance or transaction-value relationships
the official page gives loan-amount bands instead of a minimum income.
0.50% of loan amount, minimum ₹500 plus
includes upfront, documentation, stamp-duty, and other listed charges.
Not published for PAPL on the reviewed product page, rate table or retail service-charge schedule.
11.30% p.a. for , Jai Jawan and pre-approved pension loans
11.30%-11.80% for Treasury/ variants
No external benchmark is published for the Pension Loan. The page publishes a fixed scheme rate of 11.30% p.a. for , Jai Jawan and pre-approved pension loans, and 11.30%–11.80% for Treasury/ variants.
Up to ₹20 lakh, subject to pension, /NMP and variant rules
72 months through standing instructions from the pension account, subject to repayment by age 78
No universal minimum pension or income amount is published. Eligibility is tied to receiving pension through an account/PPO arrangement, pensioner category, age and the stated -to-net-pension rules.
Not published on the reviewed Pension Loan page. The page publishes loan variants, rates, limits and repayment conditions but no processing-fee amount or waiver.
2% of prepaid amount plus
waived when closed from a new loan under the same scheme
11.30% p.a., fixed for the loan tenure with no reset under pension-loan rate table
No external benchmark is published for the Pre-Approved Pension Loan. The offer page and pension-loan rate page provide the selected offer's fixed rate and terms, not a benchmark or spread formula.
Up to ₹10 lakh
6 months to 84 months, depending on the product variant
the available tenure is displayed during the application journey.
does not publish a single rupee minimum pension for the pre-approved pension offer. The offer is available only to pensioners pre-selected under -defined parameters and the applicable pension eligibility conditions.
Nil to ₹10,000 plus , depending on the product feature
subject to revision.
A pre-payment penalty may apply depending on the product feature
the applicable charge is shown in the Key Fact Statement.
published as effective from 15 June 2025, subject to terms and conditions.
No external benchmark is published for the Pre Approved Personal Loan. The offer page and customer-care describe variant-dependent pricing, but do not state a benchmark or spread formula.
Up to ₹15 lakh for an eligible pre-approved offer.
6 months to 84 months, depending on the product variant
the available tenure is displayed during the application journey.
does not publish a single rupee minimum for PAPL. Eligibility is limited to pre-selected customers meeting -defined conditions, including a stipulated minimum salary for salary-account holders, a stipulated minimum balance for non-salary account holders, or a stipulated minimum pension for pensioners
existing Xpress Credit borrowers must have a satisfactory run account and required outstanding.
Nil to ₹10,000 plus , depending on the product feature
subject to revision.
A pre-payment penalty may apply depending on the product feature
the applicable charge is shown in the Key Fact Statement.
Current Union Cash table: + 2.10%, with effective 10.10% p.a. for the listed pensioner/family-pensioner special scheme
the applicable tier depends on the current Union Bank rate table.
(Repo Rate), shown as 8.00% effective 13 June 2026 on Union Bank's current loans-and-advances rate page.
Pensioner: up to ₹10 lakh when age at loan is up to 70 years, or ₹5 lakhabove 70 years. Family pensioner: up to ₹3 lakh.
Maximum repayment tenure is 5 years for pensioners and 3 years for family pensioners.
No fixed rupee monthly pension or annual-income threshold is published. Eligibility is assessed largely from pension, repayment capacity, age and credit-information record.
The page requires a processing-fee cheque with a branch application but does not publish a numeric fee amount in the reviewed content.
No numeric prepayment or foreclosure charge is published on the reviewed Union Cash page.
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.
