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.
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.
No income or salary threshold is published. Eligibility is tied to being a prospective Baroda Home Loan borrower (including takeover cases) or an existing Baroda Home Loan borrower, with the eligible expense and linked-loan conditions shown on the page.
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.
No separate prepayment or foreclosure charge is published for the Home Suvidha component. The says the facility is co-terminus: when the linked home loan closes, this loan must also close.
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.
No minimum salary or income amount is published. The product is a pre-qualified offer for existing Bank of Baroda savings-account customers
the bank says the indicative limit follows internal criteria and current obligations, and no income proof or bank-statement upload is required.
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.
No fixed rupee minimum income is published. Quantum uses a 15-times net-monthly-salary or 100%-net-annual-income rule and requires income proof.
Nil processing charge
the current rate sheet also lists the charge as waived.
linked to the borrower’s Personal Score and calculated on a daily reducing balance.
The published starting rate is linked to the borrower’s Personal Score and calculated on a daily reducing balance. No separate named benchmark is published on the reviewed page.
Maximum loan amount ₹20 lakh
the page also states a maximum quantum of 30 times. No minimum loan amount is published.
Up to 84 months.
No fixed rupee minimum salary or annual-income amount is published. The page requires income proof: salaried applicants provide recent salary slips and one-year or Form 16
self-employed applicants provide three years of and financial statements.
1.00% of loan amount, minimum ₹2,500 and maximum ₹15,000. Differently abled customers receive nil processing charges under the published concession.
No prepayment penalty is published for this product.
interest is calculated on a daily reducing balance.
The page publishes daily reducing-balance interest but no separate named benchmark.
Maximum limit up to ₹20 lakh
maximum quantum is 24 times. The page also provides a Know Your Eligibility calculator rather than a universal fixed minimum amount.
Up to 84 months.
No fixed rupee salary minimum is published. The page asks for the latest six-month salary/pay slip and one-year or Form 16 and provides a customer-specific eligibility calculator.
1.00% of loan amount, minimum ₹2,500 and maximum ₹15,000.
Minimum salary credit is ₹50,000 per month. Applicant must have CIC score 700+, be aged 21–55 and maintain net take-home of at least 25% or ₹10,000 per month, whichever is higher.
0.50% of loan amount, minimum ₹500 and maximum ₹2,500, excluding applicable taxes.
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.
final rate is applicant-specific and subject to the linked current rate schedule
No external benchmark is published for Personal Loan. The official page publishes applicant-specific interest-rate conditions and a current starting rate, but does not state a benchmark or spread formula.
₹1 lakh to ₹50 lakh, capped at the lower of 30 times net monthly income or the amount meeting an / ratio up to 65%
6 to 84 months, closing by retirement, contract end or age 60 as applicable
₹20,000 for government or defence employees
₹25,000 for corporate employees
Up to 1.50% of loan amount, minimum ₹1,000 and maximum ₹15,000, plus
published category and credit-score waivers may apply
2.40% p.a. on the irregular portion up to 60 days
5% p.a. thereafter under the page's stated conditions
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 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).
No fixed rupee salary or annual-income threshold is published. Income is considered in the approval and loan-amount assessment.
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.
Prepayment facility is available
no numeric prepayment or foreclosure charge is published on the reviewed 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.
Baroda Digital Personal LoanBank of Baroda
Baroda Personal LoanBank of Baroda
