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.
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.
Applicable Home Loan , including risk premium where applicable and based on the current , plus Strategic Premium plus 0.50%
the page does not publish a single effective rate.
Current Bank of Baroda and the linked home-loan pricing rules.
The states that the maximum home loan can be ₹10 crore per unit depending on the area and that financing can reach 90% of property cost for newly constructed houses/flats under the housing-loan scheme
this is context for the linked home loan, not a stated Home Suvidha limit.
Fresh or takeover linked cases follow the maximum term of the sanctioned/proposed Home Loan
existing linked cases follow the residual Home Loan period. The facility is co-terminus with the linked Home Loan.
Value awaiting review
The page’s table, effective 1 April 2025, lists for Baroda Home Loan (all variants): 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. The source displays 50%/25% and should be confirmed with the current card-rate schedule because the formatting appears inconsistent with the stated rupee caps.
Floating effective rate: 10.15%–17.50% by category and -linked spread. Fixed effective rate: 10.95%–18.00% by category and -linked spread.
Floating pricing is linked to plus a -score-based spread
fixed pricing is linked to 1 Year plus a category and -score-based spread.
Maximum ₹20,00,000, linked to occupation and account relationship. Minimum ₹1,00,000 in metro/urban branches and ₹50,000 in rural/semi-urban branches.
Repayment period is up to 84 months for qualifying government//autonomous-body and national-repute educational-institution employees with a Bank of Baroda salary account
up to 72 months for the comparable group using another bank
48–60 months for other eligible employees, agents, professionals and business persons.
Eligible applicants include government, , autonomous-body, public/joint-sector, listed public-company, MNC and recognised educational-institution employees with at least one year continuous service
private-company, trust and employees with at least one year
insurance agents with at least two years
and self-employed professionals or business persons with at least one year stable practice/business. Minimum age is 21
at repayment end, age must not exceed 60 for salaried or 65 for non-salaried applicants. Staff and / applicants are excluded.
Government employees maintaining a Bank of Baroda salary account: nil. Others: 1.00%–2.00% of loan amount plus , minimum ₹1,000 plus and maximum ₹10,000 plus .
The reviewed official page does not publish a separate prepayment or foreclosure charge in its Features, Eligibility, Interest rates & charges or sections.
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.
₹50,000 to ₹15 lakh.
36 to 60 months.
Value awaiting review
2% of loan amount excluding , maximum ₹15,000 excluding
special concessions may apply to government employees.
Floating rate: nil. Fixed rate: 3% plus on the prepaid amount during the first 3 years.
DRI cases are stated at 4%. Interest is calculated on a daily reducing balance.
RBLR plus 1.30%
current rate sheet shows 9.40% p.a. present rate.
Maximum limit up to ₹2 lakh. Maximum quantum is 15 times net monthly salary for salaried applicants or 100% of net annual income for self-employed applicants.
Up to 60 months.
Value awaiting review
Nil processing charge
the current rate sheet also lists the charge as waived.
The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.
Value awaiting review
24 times gross salary, subject to a maximum of ₹20 lakh
net take-home pay must be at least 50% of gross salary after statutory dues and all loan instalments. A 40% take-home threshold is permitted where an employer undertaking is available.
84 equated monthly instalments, in multiples of 12.
Minimum gross salary ₹1.80 lakh per year.
↓
1.00% of loan amount plus
nil for defence personnel. Documentation is ₹270 plus up to ₹2 lakh and ₹450 plus above ₹2 lakh
published as effective from 15 June 2025, subject to terms and conditions.
Value awaiting review
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 retail table publishes score-linked Union Personal tiers from 9.05% p.a. for 800+ score under tie-up/non-tie-up salaried-professional schemes, with higher tiers down to 12.65% p.a.below 650
non-salaried tiers are separately published.
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.
Up to ₹50 lakh, subject to eligibility and repayment capacity.
Up to 84 months (7 years).
Value awaiting review
Value awaiting review
Value awaiting review
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 Digital Personal LoanBank of Baroda
Baroda Personal LoanBank of Baroda
