above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.
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.
Maximum loan limit ₹6,00,000
financing is up to 90% of project cost.
Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.
No minimum rupee income is published. For the -Surya Ghar loan above ₹2 lakh, income documents and at least 1 year of salaried employment or 2 years of non-salaried business/profession are required
up to ₹2 lakh, the scheme requires no income documents and waives the vintage condition.
Nil irrespective of loan amount under the scheme
applicable State Government stamp duty is extra.
No foreclosure charges are published for either -Surya Ghar variant. The official scheme page explicitly lists “No Foreclosure Charges”
above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.
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.
Maximum loan limit ₹6,00,000
financing is up to 90% of project cost.
Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.
No minimum rupee income is published. For the -Surya Ghar loan above ₹2 lakh, income documents and at least 1 year of salaried employment or 2 years of non-salaried business/profession are required
up to ₹2 lakh, the scheme requires no income documents and waives the vintage condition.
Nil irrespective of loan amount under the scheme
applicable State Government stamp duty is extra.
No foreclosure charges are published for either -Surya Ghar variant. The official scheme page explicitly lists “No Foreclosure Charges”
the current rate sheet lists individuals up to ₹2 lakh at RBLR − 2.35%, presently 5.75%, and above ₹2 lakh at RBLR, presently 8.10% p.a.
RBLR (Repo-linked benchmark lending rate)
current sheet shows RBLR − 2.35%up to ₹2 lakh and RBLR above ₹2 lakh for individuals.
Individuals: maximum ₹6 lakh, with quantum up to ₹2 lakh for systems up to 3 kW and up to ₹6 lakh for systems above 3 kW to 10 kW. Housing societies: maximum ₹100 lakh.
Up to 120 months.
No fixed rupee minimum income is published
individuals must provide the latest six-month salary/pay slip and one-year /Form 16.
Up to ₹2 lakh: 5.75% ( − 2.30%) for eligible borrowers. Above ₹2 lakh, non-home-loan borrowers: 8.25% at CIBIL 800+, 8.55% at 750–799, 8.80% at 700–749/NTC and 9.05% at 680–699
eligible home-loan customers receive the applicable home-loan rate.
, shown as 8.05% on the current rate page
spread is −2.30%up to ₹2 lakh and +0.20% to +1.00%above ₹2 lakh for non-home-loan borrowers.
Minimum ₹10,000. Maximum ₹2 lakh for systems up to 3 kW and ₹10 lakh for systems above 3 kW to 10 kW.
120 months including a moratorium up to six months.
No minimum annual income for systems up to 3 kW
minimum ₹3 lakh annual income for systems above 3 kW to 10 kW.
Nil processing fee. Account-handling charge: ₹500 plus 0.20% of loan amount, minimum ₹500 and maximum ₹2,500, excluding .
No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
URTS interest starts from 6.80% p.a., linked to , under the reviewed official .
URTS is linked to
Union Bank's current benchmark page shows (Repo Rate) at 8.00% effective 13 June 2026.
Maximum finance is 75% of the Ministry of New and Renewable Energy-approved project cost or ₹10 lakh, whichever is lower.
Repayment is up to 20 years in or the Union Home Loan repayment period, whichever is earlier.
No fixed rupee net-annual-income threshold is published in the reviewed Union Rooftop Solar page or URTS
the page provides a Net Annual income section but no numeric amount in the reviewed content.
No numeric processing-charge amount is published in the reviewed Union Rooftop Solar page or URTS .
No numeric prepayment or foreclosure charge is published in the reviewed Union Rooftop Solar page or .
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.
