Secured loan against investments, deposits or receivables
Demand/term loan: + + 1.50%, effective 9.65% p.a.
overdraft: + + 1.75%, effective 9.90% p.a.
+ + 1
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Not published as a numeric income threshold. The page requires a resident individual aged 21 years or above and eligible assigned life-policy security
no salary or annual-income floor is stated.
↓
No ceiling
the states up to 80%–85% of the policy surrender value. Minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.
Loan up to 60 months
overdraft 12 months subject to annual review.
₹500 + .
For a fixed-rate advance against securities, 1% plus is charged on the amount outstanding at prepayment.
Secured loan against investments, deposits or receivables
Demand/term loan: higher of 1.00% over the rate or + + 1.50%
overdraft: higher of 1.25% over the rate or + + 1.75%
staff: 0.50% over the rate. The current rate sheet shows no effective percentage for these rows.
+ + 1
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Resident individuals aged 21 years and above
the advance is against with the issuing post office's lien noted and third-party advance is not permitted.
↓
Public customers: no ceiling per individual
staff: up to five times gross salary. Minimum ₹3,000 for term/demand and ₹20,000 for overdraft.
Not published as a fixed tenure. The page describes term/demand-loan and overdraft facilities against with repayment governed by the sanction terms, but gives no fixed repayment period.
₹500 + .
For a fixed-rate advance against securities, 1% plus is charged on the amount outstanding at prepayment.
Secured loan against eligible Relief Bonds / Government Bonds
Demand/term loan: + + 1.50%, effective 9.65% p.a.
overdraft: + + 1.75%, effective 9.90% p.a.
+ + 1
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Not published as a numeric income threshold. The page says repayment capacity is assessed for resident individuals aged 21 years or above and eligible /Government bonds
no salary or annual-income floor is stated.
↓
No ceiling
the states up to 80%–85% of the face value for government savings bonds. Minimum ₹3,000 for loan and ₹20,000 for overdraft.
Loan up to 35 months
overdraft is subject to the facility terms and review.
₹500 + .
For a fixed-rate advance against securities, 1% plus is charged on the amount outstanding at prepayment.
the official page's 0.00% widget is not treated as an effective rate.
+ + 2
Not published as a separate . The page gives the + Strategic Premium + 2.35% formula but its 0.00% widget is not an effective rate and no all-in annual percentage is calculated.
Not published and not used as a stated entry threshold on this page. Eligibility is based on Indian senior-citizen age, primary-residence ownership and property security
the page gives no salary or annual-income requirement.
Up to ₹1 crore including interest over the loan tenure, subject to the property's value.
15 years
the tenure may be extended until the borrowers' survival subject to advance property value.
0.20% of the loan amount, with an upfront minimum of ₹8,500 and a maximum of ₹10,000
applicable is extra.
For a fixed-rate Baroda Ashray loan, 1% plus is charged on the amount outstanding at prepayment. The product page separately describes settlement when the last surviving borrower dies, sells the home or permanently moves out.
Pre-owned car loan for used passenger vehicles purchased through approved certified pre-owned car dealers of OEMs.
1-year + + 2.90% to 1-year + + 5.65%
effective rate 11.90% to 14.65%.
+ applicable spread
the retail-loan table identifies -linked pricing for these vehicle-loan rows.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Salaried employees and pensioners: ₹2.50 lakh and above. Businessmen, professionals, directors and agriculture/allied applicants: ₹3.00 lakh and above.
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.
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.
Floating effective rate 7.60%–11.30% p.a. for a new car
fixed effective rate 8.50%–11.20% p.a., subject to the applicant's credit profile and scheme conditions.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No fixed minimum income threshold is stated. Repayment capacity is tested against 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. Other applicants are assessed on average annual income over the last 2 years: 60%below ₹6 lakh and 80% at or above ₹6 lakh.
₹2 crore individuals
₹5 crore non-individuals
Up to 84 months.
₹1,500 + up to ₹10 lakh
₹2,000 + above ₹10 lakh
Floating-rate individual borrowers: nil. Fixed-rate loans: nil part payment up to ₹40,000 within the first two years and nil after two years
Floating rate for the new-car row: 7.60%–11.30% p.a.
the applicable slab is based on the applicant/co-applicant score. The / page also states a 0.25% concession for existing Bank of Baroda home-loan borrowers with a good repayment record and no overdue.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No fixed minimum income amount is stated. Salaried applicants are assessed using 24 times average gross monthly income from the last 3 months
other applicants use 4 times average gross annual income from the last 2 years. The page also publishes bands of 60%–80% for salaried applicants and 60%/80% by average annual-income band for others.
₹1 crore for all categories
84 months
Car Loan and Digital Car Loan: ₹1,500 + for a loan up to ₹10 lakh, or ₹2,000 + above ₹10 lakh. Direct Car Loan: ₹1,000 +
Yoddha customers: nil
State/Central/ employees: ₹500 + . The schedule is the unified processing-charge source linked by the car page and applies to the named car-loan variants.
Commercial-real-estate exposure for a third dwelling unit onward or purchase of a plot when the individual already owns two or more houses
Normal / home-loan rate plus 0.25% for
published spreads vary by salaried/non-salaried status and loan band, with and loan limit dependence
spreads vary by salaried/non-salaried status and loan band, with and loan limit dependence
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
₹5 lakh equivalent for the applicant/co-applicants whose income is considered
Maximum limit: ₹10 crore in Mumbai, ₹5 crore in other metros and ₹3 crore in urban areas, subject to income, repayment capacity and /margin norms.
Maximum loan period is 30 years, including a maximum moratorium of 36 months
repayment applies after the moratorium.
Digital/non-digital/approved-project channels publish 100% processing-charge waiver subject to ₹8,500 + , ₹10,000 + or ₹3,500 + out-of-pocket recovery per property
non- takeover login fee ₹1,500 refundable on first disbursement
Digital education loan for Indian students admitted to a full-time course at a listed premier institution in India
eligible expenses include tuition, hostel, examination/laboratory/library fees, books/equipment, deposits, insurance and required study/project work.
Floating pricing by premier-institution category: Top 5 IIMs − 1.05%
List − 1.00%
List A − 0.70%
List B + 0.60%
List C + 0.80%. Simple interest accrues monthly during the moratorium.
(Bank of Baroda Repo Linked Lending Rate) plus or minus the institution-category spread shown on the page.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No separate minimum-income amount is stated on the reviewed Baroda Digital Education Loan page. Eligibility instead requires admission to a listed premier institution, applies the published student/co-applicant age rules and assesses repayment capacity
the page publishes no rupee income floor.
List ₹40 lakh
List A ₹30 lakh
List B ₹15 lakh
List C ₹10 lakh
subject to need-based finance and future repayment capacity
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.
Not published as a separate . The page publishes fixed and floating rate formulas, effective interest ranges, processing charges, stamp duty and penal charges, but does not calculate an annual percentage rate for the product.
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.
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.
Floating spreads from −1.05% for the top 10 IIMs/IITs to +0.50% for list C institutions
fixed spreads vary by category and amount.
spreads from −1
Not published as a separate . The page publishes spread tables and a 0.00% display widget, but no all-in annual percentage rate.
↓
Not published as a numeric threshold. The page requires the resident-Indian borrower to be gainfully employed during study and lists income proof among documents, but gives no minimum salary or annual-income amount.
Up to ₹20 lakh.
Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans
maximum 10–15 years after the moratorium.
Nil for all cases
₹7,500 per mortgaged property for advocate and valuer charges.
For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover
where there is more than one account, the charge is calculated separately for each account.
Floating spread ranges from −1.05% for the top 10 IIMs/IITs to +0.50% for category C institutions
the sanctioned rate depends on institution category and security.
spread ranges from −1
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Not published as a numeric threshold. The page requires an Indian national with admission to a qualifying premier institution and lists income proof for the co-applicant/guarantor where applicable, but no salary or annual-income floor is stated.
Without collateral: ₹40 lakh for List , ₹30 lakh for List A, ₹15 lakh for List B and ₹10 lakh for List C
with collateral, up to ₹80 lakh.
Up to 120 instalments after the moratorium for loans up to ₹7.5 lakh
up to 180 instalments for higher amounts.
Nil for study in India. For study abroad, 1% of loan amount capped at ₹10,000 and refundable on first disbursement
₹8,500 per mortgaged property for advocate/valuer charges.
For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover
where there is more than one account, the charge is calculated separately for each account.
Floating: + 2.00%up to ₹7.50 lakh and + 2.35%above ₹7.50 lakh. Fixed: Base Rate + 2.00%up to ₹7.50 lakh (effective 11.45% p.a.) and + 4.35%above ₹7.50 lakh (effective 12.25% p.a.).
+ 2
Not published as a separate . The page publishes + 2.00%up to ₹7.50 lakh and + 2.35%above ₹7.50 lakh, with a 0.00% display widget but no all-in annual percentage rate.
Not published as a numeric threshold. The page requires a resident Indian who is gainfully employed while applying and during study and asks for income proof, but gives no minimum salary or annual-income amount.
Maximum ₹80 lakh for the -abroad product.
Repayable in maximum 10–15 years after the moratorium
for loans up to ₹7.50 lakh the cap is moratorium plus 120 instalments, and above ₹7.50 lakh it is moratorium plus 180 instalments. For the -abroad variant, the moratorium is the course period plus three months.
1% of loan amount capped at ₹10,000, recovered upfront and refundable on first disbursement
₹7,500 per mortgaged property for advocate/valuer charges.
Borrower's own source: nil. Takeover by another lender: 0.50% of the outstanding amount at takeover
for more than one account, calculated separately for each account.
Additional top-up loan facility over an existing home loan
available as a flexi/top-up facility.
Applicable rate on the linked home loan at top-up availment based on , plus Strategic Premium 0.25% and 0.60%.
, plus Strategic Premium 0
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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%).
Minimum ₹1 lakh and maximum ₹10 crore.
Up to the age-based eligible period, irrespective of linked home-loan tenure. begins one month after first disbursement.
0.35%, minimum ₹5,000 and maximum ₹12,500
charges exclude .
Top-up repayment can continue to its sanctioned tenure after linked home-loan closure, but no fresh or enhanced top-up is sanctioned afterward. Existing erstwhile AAA top-up must close within 4 years after linked-loan pre-closure.
Education loan for recognised graduation, post-graduation, professional and other approved courses in India
finance is disbursed in stages to the institution or approved vendors.
Floating +2.00%up to ₹7.50 lakh and +1.90%above ₹7.50 lakh
defence-child concession +1.10%. Fixed rates are Base Rate +2.00%up to ₹7.50 lakh and +3.90% above it.
+2
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No fixed minimum-income amount is stated on the reviewed Baroda Gyan page. The published eligibility rule refers to parent/co-applicant income and future repayment capacity for an approved course, without giving a rupee salary or annual-income floor.
₹1.25 crore for medical and aviation courses
₹25 lakh for other courses.
Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans
maximum 10–15 years after the moratorium.
Nil up to ₹7.50 lakh
above ₹7.50 lakh, 1% of loan amount capped at ₹10,000 + applicable
₹8,500 per mortgaged property for advocate/valuer charges.
Fixed-rate loan: nil when prepaid from the borrower's own source
0.50% of outstanding when taken over by another lender.
/ 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.
and reset annually
-linked range is from one-year to one-year +1%
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
are not eligible. Applicants considered for income must have at least two years of overseas work/business and minimum gross annual income equivalent to ₹5 lakh. Maximum tenure is 30 years, with up to 36 months moratorium.
Mumbai ₹10 crore
other metros ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore, subject to income, repayment capacity and /margin.
Maximum 30 years including maximum 36-month moratorium
under-construction properties receive 18 months up to the seventh floor plus 6 months per floor thereafter, capped at 36 months.
Processing, documentation, verification/vetting, pre-sanction CPV, one-time post-inspection, legal, valuation, bureau, CERSAI and -verification charges are included
current charges are linked from the official service-charge page.
home loan for purchase/construction, residential plot, plot plus construction, takeover, extension/additional construction and reimbursement of own-source construction expenses
Floating daily-reducing balance at monthly rests, linked to one-year and reset annually
-linked rate ranges from minimum one-year to maximum one-year +1%, subject to revision
and reset annually
-linked rate ranges from minimum one-year to maximum one-year +1%, subject to revision
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
₹5 lakh equivalent for the applicant/co-applicants whose income is considered
Mumbai ₹10 crore
other metros ₹5 crore
urban areas ₹3 crore, subject to income, repayment capacity and /margin norms
30 years including maximum 36-month moratorium
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.
/ home loan with linked savings-account interest offset
/ 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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
₹5 lakh equivalent for the applicant/co-applicants whose income is considered
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
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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%).
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.
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.
8.90%–10.40% p.a., based on borrower rating ( plus the applicable strategic-premium spread).
plus a borrower-rating-based strategic premium spread
the published effective range is 8.90%–10.40% p.a.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
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.
1% of sanctioned limit, minimum ₹8,500 and maximum ₹1,50,000.
2% of the amount prepaid when partially or fully prepaid within 3 years
Linked personal-loan facility for eligible Baroda Home Loan borrowers to finance specified home-purchase costs.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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 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.
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.
Secured loan against investments, deposits or receivables
Floating: 10.15% p.a.up to 10 years and 10.40% p.a.above 10 years
fixed: 12.15% and 12.40% respectively.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No minimum rent or income amount is published. Eligibility is based on ownership of a commercial property leased to a reputed lessee, minimum CIBIL 650 for an individual or minimum -5 for a non-individual, assignment of future rent and repayment capacity.
The service-charge schedule identifies the retail Future Rent Receivables facility as covering loans up to ₹100 crore
the product page does not publish a separate universal sanction cap.
↑
Longer repayment period up to 15 years.
One-time processing charge of 1% of the loan amount, subject to a minimum of ₹1,000.
For fixed-rate loans, own-source prepayment is nil for individuals and 1% for non-individuals. Takeover by another lender is 0.50% of outstanding for individuals and 1.50% for non-individuals.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No minimum pension amount is published. Total monthly deductions, including the proposed and existing-loan , must not exceed 60% of monthly pension
the pension must have been credited through the Bank of Baroda relationship for at least 3 months with satisfactory conduct.
Regular pensioner: ₹8 lakh up to age 70 and ₹5 lakh above age 70. Family pensioner: ₹3 lakh up to age 70 and ₹1.50 lakh above age 70.
60 months for regular/family pensioners up to age 70
Home loan linked to a Bank of Baroda savings account
end-of-day balance offsets the interest-bearing outstanding.
Floating spread: up to ₹75 lakh −0.70% to +1.05%
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
For // applicants whose income is considered, minimum gross annual income equivalent to ₹5 lakh
resident applicants are assessed under the published repayment-capacity percentages.
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.
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.
Collateral-free education loan for Indian students pursuing full-time medical courses in India who meet the published NEET-rank criteria.
7.20% for PMVLS/ Premier category institutions, 7.40% for category A and 7.90% for other institutions
pricing is linked to spreads.
spreads
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Indian national with NEET rank up to 65,000 for UG or 30,000 for PG, admitted to a full-time medical course
co-obligation of parent/guardian and assignment of future income are mandatory.
₹2 lakh minimum and ₹40 lakh maximum
margin is nil up to ₹4 lakh, 5%above ₹4 lakhup to ₹7.5 lakh, and nil above ₹7.5 lakh under the published table.
Up to 15 years after the course-period-plus-one-year moratorium
up to 120 instalments for loans up to ₹7.5 lakh and up to 180 instalmentsabove ₹7.5 lakh.
Nil processing fee
PMVLP charges ₹200 are listed separately.
For a fixed-rate Education Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant
the product pages do not state a separate floating-rate prepayment charge.
For tenor up to 120 months and facility up to ₹7.5 crore: + +0.75% to + +3.35%
effective 8.90% to 11.50%.
+ +0
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Resident individual applicants whose income is considered for eligibility should have been employed or engaged in business or profession for at least three years
a service break of up to three months may be allowed.
Metro ₹25 crore, urban ₹10 crore, semi-urban ₹5 crore and rural ₹25 lakh.
Term loan up to 180 months
overdraft is for 12 months subject to annual review.
Term loan: 1%, minimum ₹8,500 upfront per property and maximum ₹1,50,000. Overdraft up to ₹3 crore: 0.35%, minimum ₹8,500 and maximum ₹75,000
above ₹3 crore: 0.25%, minimum ₹8,500 and no maximum. Charges exclude .
2% within 12 months after initial sanction
nil after 12 months. For term loans, charges use the higher of scheduled amortisation balance or outstanding balance.
Business overdraft for Amazon and Flipkart e-commerce sellers
+ 2.35% strategic premium.
, with a 2.35% strategic premium.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Flipkart identifies eligible sellers from their track record
limits are assessed from platform turnover and sales.
Clean overdraft facility from ₹5,00,000 to ₹25,00,000, with the limit assessed from Amazon/Flipkart turnover.
12-month overdraft with a running limit, subject to review after 12 months
platform payments are routed to the loan account and monthly interest must be serviced.
₹1,000 per visit plus actual conveyance and out-of-pocket expenses.
The current e-commerce overdraft product page and the applicable retail service-charge schedule do not publish a product-specific prepayment or foreclosure amount. The field remains Not published pending a scheme-specific sanction document
no charge is inferred from general retail schedules.
Unsecured personal loan for personal needs other than speculation
individual applications only and co-applicants are not allowed.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
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.
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.
Overdraft limit secured by approved dematerialised securities ()
9.40%–10.25% p.a., linked to /internal score
the published spread is + +1.25% to +2.10%.
spread is + +1
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No minimum income amount is published. At least one applicant or co-applicant must be engaged in gainful activity and have a regular source of income
the page separately publishes a minimum facility of ₹1 lakh and a minimum CIBIL score of 701 (−1/0 also eligible).
₹1 crore against equity shares
₹5 crore against equity mutual funds, debentures, bonds, sovereign gold bonds and debt mutual funds, in dematerialised form.
12 months for the overdraft limit, extendable after satisfactory conduct and review.
₹1,999 + at sanction and ₹499 + at annual review.
For a fixed-rate Advance Against Securities, the Bank of Baroda service-charge schedule publishes 1% + on the amount outstanding. The product page does not publish a different prepayment rule for .
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
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.
₹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.
Part or full prepayment from the borrower’s own sources is permitted
the page does not publish a separate percentage charge for this pre-approved route.
for non-premier institutions, +2.00%up to ₹7.50 lakh and +1.05%above ₹7.50 lakh. Fixed rates are also published by institution category and amount.
+0
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No numeric minimum-income amount is stated on the reviewed Baroda Scholar page. The published criteria focus on Indian nationality, entrance-test or merit admission and an approved study-abroad course
income is assessed through the co-applicant and repayment-capacity process without a stated rupee floor.
₹1.50 crore for institutions in the premier-institution list
₹60 lakh for non-premier institutions.
Repayable in maximum 10–15 years after the moratorium. The moratorium is the course period plus one year for the standard Baroda Scholar guideline
repayment is capped at 120 instalments for loans up to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
Nil up to ₹7.50 lakh
above ₹7.50 lakh, 1% of loan amount capped at ₹10,000 (refunded on first disbursement for premier institutions)
₹8,500 per mortgaged property and ₹200 PM charge.
Nil when prepaid from the borrower’s own source
0.50% of outstanding amount when taken over by another lender under a fixed-rate loan.
Top-up loan secured by extending the mortgage over a house already mortgaged for a home loan
any purpose except speculative or illegal use.
Applicable Home Loan plus Strategic Premium plus 0.50%.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No minimum income amount is published. This top-up is only for existing Bank of Baroda home-loan borrowers whose account conduct is good
repayment capacity is tested with total-deduction caps of 50%–75% by gross monthly income and 70%/80% by average gross annual income.
Minimum ₹1 lakh
maximum ₹2 crore.
Up to the remaining period of the linked home loan.
0.35% of loan amount, minimum ₹5,000 upfront and maximum ₹12,500, plus .
the page states an additional 0.05% where the individual customer does not opt for group credit-life insurance.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Salaried persons, businessmen, professionals, farmers, and staff/ex-staff under the public scheme
borrower minimum age 21 and age at the end of repayment not above 70.
Up to ₹10 lakh.
Up to 60 months.
2% of the loan amount, minimum ₹250 + .
Floating-rate: nil. Fixed-rate: nil part payment up to ₹10,000 within the first two years and nil after two years
the page otherwise describes fixed-rate pre-closure conditions.
School-education loan to a parent or guardian of a student from Nursery through Class XII.
+ + 3.10% p.a.
the page also notes a 0.50% concession for female students.
+ + 3
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No fixed income amount is published
total deductions including the proposed instalment and interest must not exceed 60% of total income, with spouse income considered where applicable.
Up to ₹4 lakh.
Repayable after 12 months from first disbursement in 12 instalments.
No processing charges and no documentation charges.
No penal charges during the moratorium/repayment arrangement published for Baroda Vidya.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
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.
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.
Education loan for children (wards) of defence personnel
the Yoddha page states that all other education-loan guidelines remain unchanged.
The Yoddha education rate is the same as the corresponding Baroda education-loan variant. For premier institutions in India, the published floating spreads are −1.05% (Top 10 IIMs/IITs), −0.70% (), −0.50% (A), 0.00% (B) and +0.50% (C). Fixed rates are +1.40% to +2.00% for /A
for B and C, up to ₹7.50 lakh is Base Rate +2.00% and above ₹7.50 lakh is +2.85% / +3.05% respectively.
spreads are −1
Not published as a separate . The Yoddha page points to the applicable Baroda education-loan rate tables and does not calculate an all-in annual percentage rate.
Not published. The Yoddha page sets the customer group as children of defence personnel and gives study-destination loan ceilings, but no minimum salary, annual income or family-income floor.
Up to ₹1,25,00,000 for studies in India and ₹1,50,00,000 for overseas studies.
The Yoddha page says all other education-loan guidelines remain unchanged
the linked Baroda education-loan guideline therefore permits up to 10–15 years after the moratorium, with 120 instalmentsup to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
Under the linked Baroda education-loan terms that the Yoddha page says remain unchanged: nil up to ₹7.50 lakh
above ₹7.50 lakh, 1% of the loan amount capped at ₹10,000 plus applicable , refunded at first disbursement for premium institutions. A separate ₹8,500 advocate/valuer amount applies where property is mortgaged.
Under the linked Baroda education-loan terms that the Yoddha page says remain unchanged: nil when prepaid from the borrower's own source
0.50% of the outstanding amount when taken over by another lender.
interest is calculated on a daily-reducing balance.
(Baroda Repo Linked Lending Rate), reset monthly.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
Mumbai ₹20 crore
Hyderabad/New Delhi/Bengaluru ₹7.50 crore
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.
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.
Pension loan for Bank of Baroda defence pensioners and family pensioners
Digital: + + 2.75% (10.90% shown)
non-digital: + + 3.25% (11.40% shown)
retired Bank of Baroda/family pensioners: + + 0.60% (8.75% shown).
plus strategic premium (), with the spread varying by channel and pensioner category.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No separate minimum pension amount is published
total monthly deductions, including the proposed and existing-loan , must not exceed 60% of monthly pension
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
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No fixed income minimum is published. Total deductions including the proposed must not exceed 50% of below ₹20,000 per month, 60% for ₹20,000–below ₹1,00,000, or 70% for ₹1,00,000 and above.
Up to ₹10,00,000 for all categories.
Maximum repayment period: 60 months.
2.00% of the loan amount, minimum ₹250 plus .
Floating-rate pre-closure: nil. Fixed-rate: nil part-payment up to cumulative ₹10,000 within the first 2 years and nil after 2 years
otherwise 2% plus on the entire pre-paid amount within the first 2 years, including closure.
floating new-car rate 7.60%–8.75% p.a. (-linked). GCLI changes the applicable rate as stated on the page.
-linked)
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No fixed minimum rupee income is published. For salaried applicants, maximum total deductions are 65%below ₹50,000 net monthly income, 75%from ₹50,000 to below ₹1.50 lakh, and 85%above ₹1.50 lakh. For self-employed applicants, the bands are 60%below ₹6 lakh gross annual income and 80% at ₹6 lakh and above.
Up to 93% financing of a new private-use car
the vehicle-loan summary publishes up to ₹50 lakh for bob Digital Car Loan.
12 months to a maximum of 84 months, determined by the amount.
Car Loan and Digital Car Loan: ₹1,500 + for a loan up to ₹10 lakh, or ₹2,000 + above ₹10 lakh. Direct Car Loan: ₹1,000 +
Yoddha customers: nil
State/Central/ employees: ₹500 + . The schedule is the unified processing-charge source linked by the car page and applies to the named car-loan variants.
Floating-rate individual loans have nil prepayment charge. Floating non-individual loans attract 4% within 6 months and nil thereafter
fixed-rate cases follow the published early-payment exceptions and 2% + rule.
Education loan for resident Indian students pursuing recognised environmental, social and governance (ESG) diploma, graduation or post-graduation courses.
For Vidyalakshmi/Baroda Gyan institutions: TOP 10 IIMs/IITs 7.10%, 7.45%, A 7.65%, B 8.15%, C 8.65%. Other institutions: +2.00%up to ₹7.50 lakh and +1.90%above ₹7.50 lakh.
+2
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
The page does not state a minimum rupee income
eligibility is based on resident-Indian status and admission to a recognised /Government/-approved course.
Maximum finance up to ₹25 lakh.
Course period plus one year moratorium
repayment maximum 120 instalmentsup to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
Nil up to ₹7.50 lakh. Above ₹7.50 lakh: 1% of loan amount, maximum ₹10,000 plus , recovered upfront. Where property is mortgaged, ₹8,500 plus taxes is charged upfront for advocate and valuer expenses.
For a fixed-rate Education Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant
the product pages do not state a separate floating-rate prepayment charge.
Home loan for purchase, construction, built units or renovation/improvement of a certified green residential property
standalone plot purchase is not permitted.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
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.
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.
Electric-vehicle loan for eligible green two-wheelers and three-wheelers (bob Green Wheel)
Fixed 8.50%–11.05% p.a.
floating 7.60%–11.15% p.a. for a new electric vehicle.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Salaried employees, businessmen, professionals, farmers, eligible companies/firms and /
minimum borrower age 21 and maximum age at end of repayment 70
minimum CIBIL 701 or −1 is eligible.
Up to ₹5 crore for private-use vehicles (individual maximum ₹3 crore)
up to 90% of on-road price.
Up to 84 months
salaried individuals with CIBIL 726 or above may receive up to 96 months. Fixed-rate minimum is 37 months.
₹750 + up to ₹10 lakh
₹1,000 + above ₹10 lakh.
Nil part-payment charges up to a cumulative ₹10,000within two years of first disbursement
nil prepayment charges after two years. If the amount exceeds ₹10,000 within the first two years, or the account is closed within two years, 2% + applies to the entire pre/part-paid amount.
Digital personal loan available as demand loan or term loan.
Starting from 10.65% at present
fixed and floating rate regimes 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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
₹50,000 to ₹15 lakh.
36 to 60 months.
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.
Not published for this facility. The official page publishes the one-year + Strategic Premium + 2.00% rate formula but does not publish an or all-in annual percentage rate.
Not published for this facility. Eligibility is expressed through commission-agent/arthia status, at least 2 years of business experience, market registration and a valid licence
no income or turnover threshold is stated.
Minimum ₹25,000
maximum ₹1 crore for rural, semi-urban and urban branches and ₹2 crore for metro branches.
Not published for this overdraft facility. The official page publishes the facility as an overdraft and gives loan limits, but no repayment period, review period or expiry term.
Not published for this facility. The official page’s Service Charges section says ‘Coming Soon’ and supplies no processing, documentation, inspection or commitment amount.
Not published for this overdraft facility. The official product page does not state a prepayment, foreclosure or early-closure charge, and the linked template contains no product-specific charge.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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
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.
Linked retail home-loan schedule: 50% of the applicable charge with minimum ₹8,500 and maximum ₹15,000up to ₹50 lakh
25% with minimum ₹8,500 and maximum ₹25,000above ₹50 lakh. is extra
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.
End-to-end digital loan for purchase of a new two-wheeler.
1-year plus 2.00% to 3.50%, stated as 10.75% to 12.25%
a 0.50% concession is available for women borrowers and EV buyers, subject to the non-clubbing rule.
plus 2
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Salaried: minimum average net salary ₹20,000 over the last three months, or ₹25,000 for new-to-credit salaried customers
self-employed: minimum gross annual income ₹2.40 lakh.
₹3 lakh
minimum ₹50,000. The product benefits mention up to 93% financing and specifies 7% margin.
12 to 60 months.
2% of loan amount, minimum ₹1,000 plus .
Nil part-payment charges up to a cumulative ₹10,000within two years of first disbursement
nil prepayment charges after two years. If the amount exceeds ₹10,000 within the first two years, or the account is closed within two years, 2% + applies to the entire pre/part-paid amount.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
The scheme does not publish a minimum salary amount. For advances above ₹2 lakh, the applicant/co-applicant must have at least 1 year of salaried employment or 2 years of business/profession
for a loan up to ₹2 lakh, the scheme waives income-document and vintage requirements. Advance amount is calculated as 50% of last-drawn net salary multiplied by the selected 1-, 3- or 24-month term.
Minimum ₹10,000 and maximum ₹25 lakh. For 1, 3 and 24 months, the maximum is 50% of last-drawn net salary multiplied by the selected tenure, subject to the ₹25 lakh ceiling.
Repayment variants are 1 month, 3 months and 24 months. Maximum age is 59 years6 months for the 1/3-month options and 57 years6 months for the 24-month option
minimum age is 21.
Processing charge nil and prepayment charge nil. Penal charge is 2% p.a. on overdue amounts during default, including specified document or security non-compliance.
Nil prepayment charges. The scheme's fees page states nil prepayment charges
delayed-payment and document/security non-compliance penalties are separate.
The page publishes product-specific /-plus-spread rows for Baroda Vidya, Baroda Gyan, premier-institution loans, Baroda Scholar, Executive Development, Digital Education Loan and Skill Loan
effective rate during the subsidy period is shown as 0.00%. Additional risk premium of 0.10% applies above ₹7.50 lakh when Group Credit Life/Life Insurance cover is not obtained.
/-plus-spread rows for Baroda Vidya, Baroda Gyan, premier-institution loans, Baroda Scholar, Executive Development, Digital Education L
Not published as a separate . The page publishes benchmark-plus-spread tables for several education-loan variants and shows a 0.00% effective-rate widget during subsidy, but it does not publish an all-in for the subsidy scheme.
↓
Gross parental/family income from all sources must be up to ₹4.50 lakh per year
an authorised State/UT income certificate is obtained at sanction.
The Bank’s current table states a maximum subsidy-linked loan amount of ₹7.50 lakh from 2018–19 onward and ₹10 lakh before that
the 2022 -USP guideline separately states subsidy up to ₹10 lakh while collateral-free guarantee cover is required up to ₹7.50 lakh.
Not published for the underlying education loan on this subsidy page. The scheme publishes the subsidy period as the moratorium (course period plus one year)
repayment tenure is governed by the applicable education-loan variant and is not stated here.
Not published on the reviewed subsidy-scheme page. It lists , academic, admission, income and other documents but no processing, documentation or valuation charge for the subsidy route.
Not published on the reviewed subsidy-scheme page. The page explains the subsidy moratorium and when the student bears interest, but gives no early-closure or prepayment charge.
+ 2.00% p.a.up to ₹7.50 lakh and + 1.75% p.a.above ₹7.50 lakh. A 1% concession may apply if interest is serviced during study and the moratorium.
+ 2
Not published as a separate . The page publishes + 2.00%up to ₹7.50 lakh and + 1.75%above ₹7.50 lakh, with an optional 1% servicing concession, but no all-in .
Not published as a numeric income threshold. Eligibility is based on Delhi schooling or Government of of Delhi family connection, recognised admission and merit/entrance selection
the appraisal section says the student's future income prospect is considered.
Need-based finance up to ₹10 lakh for studies in Delhi
ordinarily up to ₹7.5 lakh may be covered by the Government of India education guarantee route when its conditions are met.
Course period plus one year repayment holiday, followed by repayment in equal monthly instalments over 15 years for all categories. A course-completion extension of up to two years may be considered in the stated circumstances.
No processing charges may be levied under the scheme.
Nil. No prepayment penalty is levied at any time during the repayment period.
−0.70% to +1.05% for salaried and non-salaried non-staff applicants
rate depends on loan limit and score. The page displays effective rate as 0.00%.
Floating rate linked to and reset monthly.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
are not eligible. Resident income applicants need at least one year of salaried service or two years of non-salaried business/profession. // income applicants generally need two years overseas employment/business and gross annual income equivalent to ₹5 lakh.
Up to ₹50 lakh subject to eligibility.
Up to 15 years including the moratorium.
Home-loan processing slabs apply: 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
takeover flat ₹8,500. Charges exclude .
The product follows the home-loan scheme’s no-prepayment-penalty treatment.
−0.70% to +1.05% for salaried and non-salaried non-staff applicants
rate depends on loan limit and score. The page displays effective rate as 0.00%.
Interest is linked to the Bank of Baroda Repo Linked Lending Rate (), reset monthly, and charged on a daily reducing balance.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Income-counted applicants must be employed for at least 1 year if salaried or engaged in business/profession for at least 2 years
a service break up to 3 months may be allowed.
Mumbai ₹20 crore
Hyderabad, New Delhi/NCR and Bengaluru ₹7.50 crore
other metros ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore
Chandigarh, Panchkula and Mohali ₹5 crore.
Up to 30 years, subject to the borrower’s retirement age or completion of 65 years, whichever is earlier.
For all channels: 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
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.
Not published as a separate for this scheme. The page does not provide an all-in annual percentage rate.
Applicant annual income up to ₹9 lakh
a regular income source and at least 12 months of Bank-account or transaction history are required.
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.
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.
Secured loan against investments, deposits or receivables
1.50% p.a.over six-month on the loan date or 1.50% over the (B) deposit rate, whichever is higher.
1.50% p.a. over the six-month rate on the loan date or 1.50% over the (B) deposit rate, whichever is higher
Not published as a separate
the page publishes a benchmark-plus-spread formula only.
No income threshold is published. Eligibility is based on an (B) fixed deposit in , , or and the stated / conditions.
Up to 95% of the (B) deposit amount, subject to margin rules
foreign-currency loans are available without a ceiling to the depositor or third party under those rules.
Not published as a separate borrower repayment tenure. The page refers to the (B) deposit as security and specifies quarterly interest servicing, but no loan term in months or years.
Not published on the reviewed official page
no processing, documentation or commitment fee is stated.
No borrower prepayment or foreclosure charge is published. While the facility is availed, premature withdrawal of the (B) deposit is not available
default in two consecutive quarterly interest payments can trigger deposit withdrawal to liquidate the outstanding amount.
the page displays a 0.00% effective rate in its subsidy-style table.
+ Strategic Premium + 4
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No minimum income amount is published. The product and eligibility text require an adult individual engaged in gainful activity with a Bank of Baroda savings/current account and Demat account
the loan is capped at ₹10 lakh and is available only at selected branches.
Maximum loan amount ₹10 lakh. Margin is 50% of issue price including premium or bid price.
Loan period is 90 days
the official benefits section also describes repayment within 90 days and a loan-continuation option.
Service charge is ₹300 excluding under the schedule shown on the official page.
The current loan page publishes the ₹300 service charge, 50% margin and 90-day term but no prepayment or foreclosure charge. No charge is inferred from another retail loan category.
Loan or overdraft against (B) fixed deposit, disbursed in non-repatriable Indian rupees
Self advance: + 100 bps. Third-party advance up to ₹2 lakh: + 100 bps
above ₹2 lakh, + 300 bps for personal purpose or + 400 bps for business purpose.
+ 100 bps
Not published as a separate
the page publishes -plus-spread formulas for self and third-party advances but no all-in annual percentage rate.
No income threshold is published. The facility is secured by the (B) deposit and is governed by the self/third-party, and purpose conditions stated on the page.
For the depositor’s own advance: up to 90% of the deposit’s present value with 10% margin. For a third-party advance: up to 80% of present value or ₹100 lakh, whichever is lower, with 20% margin.
Not published as a separate borrower repayment tenure. The page specifies quarterly interest servicing and deposit-adjustment repayment, but no loan term in months or years.
Not published on the reviewed official page
no processing, documentation, inspection or commitment charge is stated.
No borrower prepayment or foreclosure charge is published. The page states that the (B) deposit cannot be prematurely withdrawn while the advance is availed
two consecutive quarters of unpaid interest can trigger withdrawal to liquidate the outstanding facility.
Secured loan against investments, deposits or receivables
For deposits of 12–60 months, the loan/overdraft is charged at the same interest rates as deposits. The page directs customers to the current rate schedule and nearest branch for the applicable rate.
For deposits of 12–60 months, the loan/overdraft is charged at the same interest rates as deposits
the page directs customers to the current rate schedule for the applicable rate
Not published as a separate
the page refers to the applicable deposit-rate schedule and branch confirmation rather than an all-in annual percentage rate.
No income threshold is published. The facility is secured by the eligible non-resident rupee fixed deposit and is governed by the self/third-party deposit and conditions stated on the page.
No numeric loan ceiling is published for this self/third-party advance page
the issuer directs customers to the current rate schedule and branch for the applicable facility, subject to margin requirements.
Deposit term is published as 12 to 60 months (one to five years)
no separate borrower repayment tenure is published for the loan/overdraft facility.
Not published on the reviewed official page
the page supplies no processing, documentation, inspection or commitment charge.
No borrower prepayment or foreclosure charge is published. The page instead states that no interest is paid on premature payment before 12 months for the relevant / deposit and that deposit conversion/withdrawal rules apply.
For Baroda Mortgage Loan individuals, the current floating rate is 8.90%–11.50% p.a. ( + strategic premium + 0.75% to 3.35%), subject to risk rating. The retail rate page notes additional pricing for tenor above 120 months, limits above ₹7.50 crore and overdraft facilities
the product page itself permits term loan or demand loan only.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Minimum gross annual income, averaged over the last 3 years, is ₹5 lakh, including co-applicant income counted for the limit.
Loan available up to ₹25 crore.
Term loan: 120 months
overdraft: 12 months, subject to annual review.
From the second post-sanction inspection onward, ₹100 plus per inspection is charged to the borrower.
For an individual Mortgage Loan, the fixed-rate home/mortgage schedule publishes nil own-source prepayment and 0.50% of outstanding at takeover by another lender. The product page does not publish a separate conflicting rule
floating-rate accounts remain subject to the applicable sanction terms.
business finance is available as a term/demand loan or a working-capital facility for eligible non-farm micro and small enterprises.
Rate of interest is as applicable to the Bank of Baroda sector pricing mechanism and is revised from time to time
the page does not publish one fixed rate for every Mudra borrower.
Mudra Loan pricing is not tied to a single external benchmark in the reviewed product page. Bank of Baroda states that the rate is as applicable to its -sector pricing mechanism and may be revised
no fixed benchmark or universal rate is published.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No minimum income amount is published. eligibility is based on a non-farm micro or small enterprise engaged in income-generating manufacturing, trading, services or allied agriculture, with credit needs up to ₹20 lakh
the page explicitly says there is no minimum loan amount.
Up to ₹20 lakh: Shishu up to ₹50,000
Kishore ₹50,001–₹5 lakh
Tarun ₹5,00,001–₹10 lakh
Tarun Plus ₹10,00,001–₹20 lakh for borrowers who repaid a Tarun loan.
Term/demand facility up to 84 months with suitable moratorium and annual review
working-capital facility 12 months subject to annual review.
Composite solar-rooftop loan under -Surya Ghar Yojana
5.75% p.a. at present for a loan up to ₹2 lakh
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
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.
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”
Standalone solar-rooftop loan under -Surya Ghar Yojana
5.75% p.a. at present for a loan up to ₹2 lakh
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
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.
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.
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”
Home loan under the -Urban 2.0 Interest Subsidy Scheme
Not published as a 2.0-specific interest rate. The page publishes the subsidy, qualifying loan/property ceilings and nil scheme fees, but does not map a rate or spread to the route.
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.
Not published as a separate . No all-in annual percentage rate appears in the 2.0 page, fees section, or .
Annual household income up to ₹9 lakh across , and groups
the page does not publish a separate minimum income amount.
Home loan up to ₹25 lakh
property value up to ₹35 lakh
Not published on the 2.0 product page. The scheme page does not state a loan term or instalment count
any underlying home-loan tenure must be confirmed under the applicable home-loan sanction terms.
Nil fees are listed for the 2.0 scheme
Not published on the 2.0 scheme page. The Fees & Charges section says nil for the scheme, but no early-closure or prepayment rule is stated, so the nil fee is not extended to prepayment without an explicit publication.
Education loan under the Pradhan Mantri Vidyalaxmi Scheme
Top 10 IIMs/IITs 6.85%
7.20%
A 7.40%
B 7.90%
C 8.40%.
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.
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
Interest subsidy is available up to ₹10 lakh, with 100% subvention for eligible families up to ₹4.50 lakh and 3% subvention for family income above ₹4.50 lakhup to ₹8 lakh.
100% finance with no maximum cap published
loans up to ₹7.50 lakh receive a 75% Government credit guarantee.
Course period plus one year moratorium, followed by repayment up to 15 years.
Nil unified processing charges.
The product page does not publish a separate prepayment charge. The Bank's education-loan schedule states that for a fixed-rate education loan, prepayment from the borrower's own source is nil and takeover by another lender is 0.50% of outstanding
applicability to Vidyalaxmi should follow the sanctioned rate regime.
+ 1.50%, effective rate 9.40% in the published table
girl students receive a 0.50% concession subject to the floor at .
+ 1
Not published separately. The reviewed Bank of Baroda product page and linked retail-loan rate table publish the applicable interest-rate/spread or benchmark treatment, but no annual-percentage-rate calculation or figure for this variant.
No minimum income amount is published. The student loan is need-based and subject to the student's repayment capacity
an income proof is requested only from a salaried co-applicant or guarantor when applicable.
₹5,000 minimum to ₹7,50,000 maximum.
Up to 3 years for loans up to ₹50,000
up to 5 years for ₹50,000–₹1 lakh
up to 7 yearsabove ₹1 lakh.
Nil processing and documentation charges.
For a fixed-rate Skill Loan, nil when prepaid from the borrower's own source and 0.50% of outstanding when taken over by another lender. The official product page publishes this table under Pre-payment charges.
Regular full-time degree or postgraduate courses at a recognized institution abroad
tuition, hostel, books, computer, passage money, deposits, optional life insurance and other education costs may be financed.
For the standard Star Education Loan bands, current sheet shows 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and 1 Year RBLR + 1.50% (presently 9.60% p.a.) above ₹7.50 lakh
girl/professional-course concessions may apply.
1 Year RBLR plus the published education-loan spread
the current rate sheet gives 9.80%/9.60% p.a. present rates by loan size.
No separate figure or methodology is published.
No fixed student or co-borrower income threshold is published
co-borrower income proof and bank statement are required.
Up to ₹1.50 crore for medical courses excluding nursing and non-medical courses
finance is need-based and subject to earning potential.
Moratorium up to course period plus 1 year
repayment up to 15 years from commencement of repayment.
A refundable ₹10,000 charge excluding is stated for study-abroad applications
it is refunded once the actual loan is availed for limits up to ₹20 lakh. portal charge is ₹100 plus 18%
scheme-deviation bands are ₹500/₹1,500/₹3,000 by amount.
Part-time or distance education in India, including listed online/offline executive diploma or certificate programmes under the Star Vidya Loan scheme.
Standard education bands: 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and +1.50% (presently 9.60% p.a.) above ₹7.50 lakh
published girl-student concession may apply.
1 Year RBLR plus the published education-loan spread
current sheet shows 9.80%/9.60% p.a. by loan size.
No separate figure or methodology is published.
No numeric minimum salary is published
employment, two years’ experience and income proof are required.
Maximum loan amount up to ₹20 lakh, subject to need and earning potential.
No moratorium after course completion
repayment is by age 60 or 10 years after course completion, whichever is earlier.
No processing charge. portal charge ₹100 plus 18% and scheme-deviation charges may apply.
Purchase, construction, extension, renovation, furnishing, takeover, solar photovoltaic and Smart Home Loan overdraft purposes are listed.
Starts from 7.10% p.a.
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 separate figure or methodology is published
the page publishes the starting interest rate and processing charge only.
No fixed salary or annual-income floor is published. Income proof is required and co-applicant income may be considered.
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.
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.
Loan against property with instalment-repayment and reducible Mortgage facilities
takeover/balance transfer with additional loan is available.
Starts from 8.85% p.a.
linked to Personal Score for individuals and calculated on a daily reducing balance.
The published starting rate is linked to Personal Score for individuals and calculated on a daily reducing balance
no separate named benchmark is published.
No separate figure or methodology is published.
No fixed rupee income minimum is published. The page requires income particulars and supporting salary, tax-return or financial-statement evidence.
Reducible Mortgage facility is available up to ₹1,500 lakh (₹15 crore). The page also states starting at ₹1,005 per lakh
the universal term-loan maximum is not separately stated.
Up to 180 months
holiday or moratorium up to 6 months is stated.
Instalment loan: one-time1.00% of sanctioned amount, minimum ₹5,000 and maximum ₹50,000. Mortgage : 0.50% of sanctioned limit, minimum ₹5,000 and maximum ₹30,000 in year one
0.25% of reviewed limit, minimum ₹2,500 and maximum ₹15,000 in later years.
Clean personal loan without pledging security, intended to purchase durable and sophisticated aids or appliances for physical and social rehabilitation.
RBLR + 1.30%, presently 9.40% p.a.
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.
No separate figure or methodology is published.
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.
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.
Nil processing charge
the current rate sheet also lists the charge as waived.
no pledge of security is required. More than one personal loan may be availed subject to Bank assessment.
Starts from 11.85% p.a.
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.
No separate figure or methodology is published
the page publishes the starting interest rate and processing fee.
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.
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.
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.
Regular degree or diploma courses conducted by one of 860 quality higher-education institutes in India
parents or guardians join as co-borrowers.
Starting from 7.00% p.a. under the -Vidyalaxmi page
current rate sheet also publishes Star Vidyalaxmi categories: Category A 6.85%, Category B 7.50% and Category C 8.40% p.a., subject to category terms.
The page refers to RBLR
the current rate sheet publishes Star Vidyalaxmi category spreads against RBLR, with present rates of 6.85%, 7.50% and 8.40% p.a.
No separate figure or methodology is published.
For the -Vidyalaxmi facility, the page does not publish a universal minimum income threshold. It does publish interest-subvention family-income bands of up to ₹4.50 lakh and above ₹4.50 lakh to ₹8 lakh for specified support, which are subsidy conditions rather than a general eligibility floor.
The page does not publish one universal maximum loan amount
finance is for the documented cost of the approved course and expenses.
Moratorium up to the course period plus 1 year
repayment up to 15 years from commencement of repayment.
Nil processing charge. portal and third-party charges may apply where stated by the scheme.
Loan for individuals undertaking eligible skill-development courses in India
parent joins as joint borrower and Credit Guarantee Fund Scheme for Skill Development (CGFSSD) cover is stated.
1 Year RBLR + 1.50%, presently 9.60% p.a.
a 1% concession may apply when interest is serviced during the study-period repayment holiday, with no concession after repayment begins.
RBLR plus 1.50%
the current sheet shows a present rate of 9.60% p.a.
No separate figure or methodology is published.
No numeric student or co-borrower income threshold is published
scheme documents and co-applicant evidence are required.
The Features section says ₹5,000 to ₹1.50 lakh can be considered, while the Quantum section says ₹5,000 to ₹7.50 lakh. Both official statements are retained because they conflict
confirm the applicable current cap with BOI before applying.
No numeric repayment tenure or moratorium period is published on the reviewed page
scheme repayment terms must be confirmed with BOI.
Nil processing charge. portal and third-party charges may apply where stated by the scheme.
No prepayment penalty is published for this scheme.
Finance for rooftop solar-panel installation under the Surya Ghar product
individual borrowers and registered group housing societies/residential welfare associations are covered.
Starts from 5.75% p.a.
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.
No separate figure or methodology is published.
No fixed rupee minimum income is published
individuals must provide the latest six-month salary/pay slip and one-year /Form 16.
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.
Clean, unsecured personal-loan facility without pledging security
more than one personal loan may be availed.
Starts from 11.85% p.a.
interest is calculated on a daily reducing balance.
The page publishes daily reducing-balance interest but no separate named benchmark.
No separate figure or methodology is published.
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.
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.
1.00% of loan amount, minimum ₹2,500 and maximum ₹15,000.
Finance is available for new two-wheelers, four-wheelers and water vehicles, and eligible used two- or four-wheelers not more than 3 years old.
Starts from 7.60% p.a.
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 separate figure or methodology is published
the page publishes the starting interest rate and processing-charge tiers only.
No fixed individual salary or annual-income amount is published. The page requires salary slips/ or self-employed financial statements
sanction depends on repayment capacity and credit assessment.
Up to 90% of the cost for a new vehicle and up to 70% for an old vehicle. No third-party guarantee is required up to ₹50 lakh under the stated condition.
Two-wheelers: up to 60 months. Four-wheelers and water vehicles: up to 84 months.
New four-wheelers: 0.25%, minimum ₹2,500 and maximum ₹10,000. Two-wheelers and old vehicles: 1.00%, minimum ₹1,000 and maximum ₹5,000. E-vehicles receive a 50% processing-fee concession.
No prepayment penalty is published for this product.
Secured term loan against pledged gold jewellery or ornaments
bullion and primary gold are excluded.
Published /PED rate table: 8.50% p.a.up to ₹1 crore at 75% , 9.00%up to ₹5 lakh at 80% and 9.25%up to ₹2.50 lakh at 85% . Bullet-repayment tables use the same rates with lower . The page separately states the current lowest rate from 8.50% p.a.
plus a published spread: + 0.45% = 8.50%, + 0.95% = 9.00% and + 1.20% = 9.25% in the reviewed scale table.
No separate figure is published.
No income threshold is published and no score is required
all individuals who own eligible gold and satisfy can apply.
Minimum quantum ₹20,000 and maximum amount up to ₹1 crore, subject to the bank's terms and tables.
Term-loan repayment up to 24 months
bullet repayment up to 12 months.
Up to ₹3 lakh: nil
above ₹3 lakh to ₹5 lakh: ₹500
above ₹5 lakh to ₹10 lakh: ₹1,000
above ₹10 lakh to ₹20 lakh: ₹1,500
above ₹20 lakh: ₹2,000. Packing/out-of-pocket expense is ₹100 plus .
No pre-payment, pre-closure or part-payment charges.
Term top-up loan for eligible home-loan borrowers, including renovation, furnishing, marriage and education needs.
7.60% p.a. advertised on the product page. Current schedule prices it at the applicable Maha Super Housing rate plus 0.50% for CIBIL 800+, 0.75% for 750-799, 1.00% for 681-749, or 3.00% for 680 and below.
-linked applicable Maha Super Housing rate plus a -based 0.50%-3.00% premium.
Not published
no fee-inclusive is stated on the product page, current rate page or fee .
No standalone numeric income floor
eligibility is restricted to qualifying home-loan borrowers and assessed from current income, repayment capacity and account conduct.
Up to ₹10 crore.
Up to 180 months
maximum age 75 at loan maturity.
Processing 0.50% of loan amount, minimum ₹500 and maximum ₹50,000. Account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding .
Agriculture term loan for fruit gardens, plantations and nursery crops.
Up to ₹10 lakh: current effective 11.50% p.a.Above ₹10 lakh: current effective 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Not published.
No salary floor applies. Eligible landowners, permanent tenants and sufficiently long-term leaseholders are financed against applicable / unit or project cost.
Applicable / unit cost or project cost
no single rupee cap is published.
Seven to 15 years including gestation, aligned with crop harvesting and produce marketing.
Agriculture term-loan tariff: nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore.
2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit
nil when principal outstanding is below 25% of sanctioned limit
Renewable cash-credit facility for crop and allied-agriculture working capital.
Up to ₹3 lakh: 7% p.a. fixed for up to one year under the Government interest-subvention rule. Above ₹3 lakh to ₹10 lakh: current effective 11.50% p.a.Above ₹10 lakh: current effective 12.50% p.a.
Above ₹3 lakh: one-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Not published.
No salary floor applies. The first-year limit is crop scale of finance × cultivated area, plus 10% for post-harvest/household needs and 20% for farm-asset repairs.
No single rupee cap is published
the limit follows the crop/area formula and rises by 10% for cost escalation in each successive year from year two through year five.
Five-year validity subject to annual review
Kharif is due next March, Rabi next June and horticultural crops next September.
Up to ₹3 lakh: nil for small/marginal farmers
0.35% of sanctioned limit for large/other farmers. Above ₹3 lakh: 0.35% of sanctioned limit.
For cash credit, 2% of sanctioned limit only when the account is taken over by another financial institution
Pension-linked personal term loan for permitted consumption, medical, marriage, funeral, birth and religious-ceremony expenses.
General pensioners: 9.75% p.a. Defence and Bank staff pensioners: 9.25% p.a.
8.05% + 1.70% for general pensioners
+ 1.20% for defence and staff pensioners.
Not published
the product, rate and fee sources do not calculate a combined .
No minimum annual income. Finance is based on eligible pension and deduction caps: 40% of gross monthly pension up to ₹12,500 and 50%above ₹12,500.
Up to ₹10 lakh. General pensioners: 18 months' pension, capped at ₹10 lakh up to age 65, ₹5 lakhup to 70 and ₹3 lakhup to 73. Defence/staff: 36 months, capped at ₹10 lakh/₹7 lakh/₹5 lakh. Family pensioners: 18 months, capped at ₹4 lakh/₹3 lakh/₹2 lakh.
Up to 120 , subject to age 75 at maturity.
Processing 0.50% of loan amount, minimum ₹500 and maximum ₹5,000
nil for staff pensioners. Account handling 0.20%, minimum ₹1,500 and maximum ₹10,500, excluding .
Nil for floating-rate non-business retail loans to individuals.
New four-wheeler finance for a car, jeep, or for personal use and eligible corporate purchase.
Floating 7.45%-11.75% p.a. by salaried/non-salaried band
firms/companies 8.55%-9.05%. Fixed 10.15%-10.85% p.a. for eligible loans up to ₹50 lakh with CIC above 700, reset after three years.
Floating: 8.05% with -0.60% to +3.70% individual spread or +0.50%-1.00% entity spread. Fixed: 1-year 8.85% plus 1.30%-2.00%.
No separate figure is published
the retail page publishes benchmark, spread and effective .
Salaried and pensioner applicants: gross monthly income/pension ₹25,000 or more. Self-employed professionals: ₹3 lakh last-year income with the past two years' . Businesspeople/agriculturists: ₹4 lakh last-year income with the past two years' . Corporate applicants: tangible net worth at least five times the requested loan.
Maximum loan limit ₹5 crore for an individual and ₹10 crore for a non-individual, subject to permissible deduction norms.
Maximum repayment period 84 months.
0.25% of loan amount, minimum ₹1,000 and maximum ₹15,000, excluding .
No pre-payment, pre-closure or part-payment charges.
Finance for a new electric passenger car, or for personal use, not passenger hire/ferrying.
Floating rate: 0.25 percentage point below the applicable Maha Super Car rate, subject to the - 0.60% floor
current effective range 7.45%-11.50% p.a. Fixed rate for eligible loans up to ₹50 lakh and CIC above 700: 10.05%-10.75% p.a., reset after three years.
Floating: 8.05% with applicable car-loan spread less 0.25%, subject to a 7.45% floor. Fixed: 1-year 8.85% plus 1.20%-1.90%.
Not published
the official page and linked rate/fee schedules do not provide a fee-inclusive .
Salaried/pensioners: ₹25,000 gross monthly. Self-employed professionals: ₹3 lakh last-year income plus two years' . Business/agriculture: ₹4 lakh last-year income plus two years' . Corporate tangible net worth must be at least five times the requested loan.
Individuals: ₹5 crore. Non-individuals: ₹10 crore. Eligible existing housing-loan borrowers may receive up to 100% of on-road price
others have at least 10% margin.
Up to 84 months.
Nil processing fee and nil account-handling charge.
Nil prepayment, pre-closure and part-payment charge.
Housing loan for purchase, construction, extension, plot-plus-construction and repair or renovation of a house or flat.
Floating 7.00%-9.65% p.a. by salaried/non-salaried band. Fixed 11.50%-12.70% p.a. for eligible loans up to ₹2 crore with CIC above 700, reset after three years.
Floating: 8.05% with -1.05% to +1.60% spread. Fixed: 1-year 8.85% with +2.65% to +3.85% spread.
No separate calculation is published on the reviewed housing page or retail-rate table.
No universal rupee minimum income is published on the reviewed housing product page
loan amount is assessed using permissible-deduction norms, and the requested amount.
No single maximum rupee amount is published
the sanctioned amount is the lowest of permissible-deduction assessment, maximum and amount requested.
Up to 30 years or until the borrower reaches age 75, whichever is earlier.
0.25% of loan amount, maximum ₹25,000, excluding . The separate account-handling charge is 0.10% of loan amount, minimum ₹500 and maximum ₹11,000.
No pre-payment, pre-closure or part-payment charges are published for the housing product.
Need-based collateral-free education loan for eligible courses at listed quality higher-education institutions.
Not published on the -Vidyalaxmi page or its linked current retail-interest-rate page
eligible borrowers may separately receive 3% or full interest subvention during the moratorium.
Not published for -Vidyalaxmi on the product page or linked current retail-rate page.
Not published on the product page, linked current rate page or service-charge .
No minimum income for the loan is published. Interest-subvention bands use annual family income: up to ₹4.5 lakh and above ₹4.5 lakh to ₹8 lakh.
Need-based finance linked to total eligible education expenses
no universal maximum loan amount is published. Government guarantee applies to loan amounts up to ₹7.5 lakh and full subvention can apply to loans up to ₹10 lakh under the stated income/course conditions.
Moratorium is course period plus one year
repayment up to 180 (15 years), excluding moratorium.
No processing or upfront charge. Account handling 0.20% of loan amount, minimum ₹500. Vidya Laxmi enrolment charge ₹200 in the current (the page displays ₹100 + and notes it is subject to change)
Vehicle loan for an approved pre-owned four-wheeler not older than three years and within 1,50,000 km.
Current floating table: 11.20% at CIBIL 750+, 11.55% at 700–749, 12.05% at 650–699, 13.05% at 600–649, 14.05%below 600 and 12.05% for -1/0/01–05.
, shown as 8.05%, plus 3.15%–6.00% according to band.
No separate is published
effective and fees are published separately.
Salaried and other individual applicants: ₹3 lakh last-year income with two years' /Form 16. Eligible Government/ pensioners need ₹25,000 monthly pension.
₹2 lakh minimum and ₹50 lakh maximum
finance is the lowest of eligible assessment, 70% of certified market/invoice value or 100% of insured declared value.
Maximum 60 months.
0.50% of loan amount, minimum ₹500
account-handling charge 0.20%, minimum ₹1,500 and maximum ₹10,500, excluding .
No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
Residential green loan for grid-connected rooftop solar up to 10 kW under Suryaghar.
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.
No separate is published
the bank publishes effective and charges separately.
No minimum annual income for systems up to 3 kW
minimum ₹3 lakh annual income for systems above 3 kW to 10 kW.
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.
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.
Salary-linked overdraft for day-to-day personal needs.
11.20% p.a. effective rate on the current retail-rate table.
+ 3.15%
effective rate 11.20% at review.
Not published
the official pages provide the -linked rate and annual facility fee but no combined .
Minimum take-home salary ₹25,000 per month for both published employee categories.
Government/State/ employees: five times monthly take-home salary
other eligible employees: three times monthly take-home salary. Both are capped at ₹5 lakh.
No fixed month/year tenure is published
it is an overdraft facility and entry must occur at least three years before superannuation or retirement.
0.50% of overdraft amount per annum, minimum ₹500 per annum. Current account-handling charge is 0.20% of loan amount, minimum ₹1,200 and maximum ₹10,200, excluding .
No separate foreclosure charge is published for this revolving overdraft
the published fee is charged annually on the amount.
Cash credit, term loan or both, delivered in repeat doses to eligible .
Eligible DAY-NRLM women : 7%up to ₹3 lakh
current 9.00%above ₹3 lakh to ₹5 lakh
current 11.00%above ₹5 lakh. Other , federations and NGOs: current 11.00% p.a.
One-year9.00%
above ₹5 lakh and other /federation routes add BSS 0.50% + 1.50%.
Not published.
No salary floor. Normally six active months plus Panchasutras and grading
revived groups need three active months.
No universal cap. First dose/year is 6× corpus or at least ₹1.5 lakh
second 8× corpus or at least ₹3 lakh
third at least ₹6 lakh
fourth onward above ₹6 lakh by and credit history. Published no-collateral rules extend through ₹20 lakh.
Term-loan dose 1: 24–36 months
dose 2: 36–48
dose 3: 48–60
dose 4 onward: 60–84. Cash-credit minimum ₹6 lakh route runs three years with annual drawing power.
Government-sponsored working capital: nil. Other agriculture cash credit: nil up to ₹5 lakh, then 0.35% p.a. Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore.
Term loan: 2% when prepayment exceeds 25% of sanctioned limit
cash credit: 2% of sanctioned limit only on takeover by another institution. are exempt.
Agricultural dairy term finance for cattle, sheds, fodder, equipment, processing and heifer rearing.
The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakhup to ₹1 crore, subject to applicable risk and liquidity-premium rules.
Marginal Cost of Funds based Lending Rate (), with liquidity premium where applicable for longer repayment periods.
Not published as a separate .
No rupee income minimum is published
dairy experience, fodder, water, veterinary access and assured marketing are required.
No universal rupee ceiling is published
amount follows the dairy project, animal/equipment cost, margin and security norms.
Animal purchase: 5–7 years monthly/quarterly. Heifer rearing: 5–6 years including 30-month grace. Shed/processing projects may receive 12–18 months moratorium
Agricultural term loan for approved tractors, power tillers, trailers, combine harvesters and farm implements.
The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakhup to ₹1 crore, subject to applicable liquidity premium and risk rules.
Marginal Cost of Funds based Lending Rate (), with liquidity premium for longer tenors where applicable.
Not published as a separate .
No rupee income minimum is published
landholding, cropping pattern, machinery use and repayment capacity are assessed.
No universal rupee ceiling is published
quantum follows approved machinery cost and margin. Second-hand tractor margin is 40%.
Repayable within 5 to 9 years by half-yearly or yearly instalments based on income generation.
Not published on the reviewed Farm Machinery page.
Not published on the reviewed Farm Machinery page.
companies and firms may finance vehicles used by directors or employees.
CRG-Prime effective rate shown in Canara's official fixed-rate retail table: 8.60% p.a.
the applicable customer rate can vary by risk grade and prevailing table.
Repo Linked Lending Rate (), shown at 8.00% in the reviewed Canara rate table
spread and concessions depend on CRG grade.
Not published as a separate on the reviewed product page or rate table.
Salaried: minimum gross salary ₹3 lakh a year. Other-than-salaried: latest gross annual income ₹3 lakh and three-year gross-average annual income at least ₹2.50 lakh. Agriculturist applicant/co-applicant combined income: at least ₹4 lakh a year.
No upper limit is published for a new electric vehicle
financing is up to 90% of new-vehicle cost, subject to eligibility and repayment capacity.
Up to 84 .
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.
Straight-through-processing healthcare loan for hospital-expense shortfalls while settling claims through for self or dependents.
Not published on the reviewed page
no percentage or benchmark is stated.
Not published on the reviewed page.
Not published on the reviewed page.
Salaried customers need minimum monthly salary credit of ₹50,000
non-salaried customers need average balance of ₹50,000 maintained for the last six months. Net take-home after all instalments must be at least ₹10,000 per month.
₹25,000 minimum and ₹5 lakh maximum.
12 to 36 months including a two-month moratorium.
As applicable
no numeric processing charge is published on the reviewed page.
Top-up loan against the continuing security of an existing Canara housing loan for non-speculative domestic, medical, education and unforeseen personal needs.
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.
Not published on the reviewed product page.
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.
₹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.
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.
Housing finance for agriculturists, dairy/allied farmers, planters and horticulturists for purchase, construction, site-plus-construction, repairs and eligible takeovers.
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.
Not published as a separate .
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.
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.
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.
Housing loan for ready-built house/flat purchase, construction, site plus construction, repairs/renovation, fixed furnishing, second home and eligible home-loan takeover.
Competitive reducing-balance interest
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.
Not published on the reviewed product page.
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.
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.
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.
End-to-end digital loan against mutual funds by online lien marking of the folio
all eligible schemes registered with RTAs may be pledged.
Not published on the reviewed page
no numeric percentage or benchmark is stated.
Not published on the reviewed page.
Not published on the reviewed page.
No income amount is published
applicants need CIC score 700+, age 18+ and a sole-operated Canara / account. New-to-bank applicants complete VCIP account opening.
Equity/hybrid mutual funds: 50% of , ₹25,000 minimum and ₹10 lakh maximum. Debt mutual funds: 75% of , ₹25,000 minimum and ₹1 crore maximum.
Term loan: maximum 36 months. Overdraft: renewal yearly.
Term/loan processing: 0.60% of sanctioned amount plus , minimum ₹1,000 and maximum ₹10,000 plus . review/renewal yearly: 0.30% of loan amount plus , minimum ₹500 and maximum ₹5,000 plus .
Reverse mortgage loan against a self-occupied residential house or flat for senior citizens' genuine needs, with periodic or one-time payment options.
Canara's official rate table shows 8.00% plus 1.60% spread, or 9.60% effective for Canara Jeevan
individual pricing remains subject to applicable policy.
Repo Linked Lending Rate (), 8.00% in the reviewed table.
Not published as a separate .
No income threshold
the borrower must be a resident owner above age 60 with a qualifying self-occupied property.
Independent house: ₹5 lakh minimum to ₹50 lakh maximum. Flat: ₹5 lakh minimum to ₹25 lakh maximum. Amount includes interest until maturity and depends on age and property value.
Periodic payments may continue for up to 15 years or until the death of the surviving borrower, whichever is earlier
the loan becomes due when the survivor dies, sells or permanently leaves the home.
0.25% of loan amount, maximum ₹10,000. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.
the subsidised crop rate is published as 7% p.a.up to ₹3 lakh.
Not published as a separate .
No income minimum is published
eligibility uses farmer status, cultivation/tenancy and scale-of-finance assessment.
No universal rupee ceiling is published
the first-year short-term limit is assessed from scale of finance, acreage and stated sub-limits: 10% for post-harvest/household needs and 20% for farm-asset repairs.
Working-capital limit valid for five years subject to annual review
term-loan sub-limit repayable in yearly or half-yearly instalments, maximum five years.
Not published on the reviewed page
the applicable agriculture tariff must be confirmed for the sanctioned limit.
Low-income housing loan for acquiring a residential site and constructing a house, purchasing a new or old dwelling unit, or constructing on an already owned plot.
Competitive reducing-balance rate
a numeric product rate is not published on the reviewed Kuteer page.
Not published on the reviewed Kuteer page.
Not published on the reviewed Kuteer page.
Published household-income bands are up to ₹1 lakh a year, and above ₹1 lakhup to ₹3 lakh a year
the band determines the maximum loan.
₹5 lakh maximum where annual household income is up to ₹1 lakh
₹10 lakh maximum where income is above ₹1 lakh and up to ₹3 lakh.
Up to 30 years or until age 75, whichever is earlier.
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.
At the borrower's choice
no prepayment penalty is stated for housing loans carrying floating rates when another bank/HFI takes over the liability.
Education loan for a Master's degree in India or abroad at select top-ranking universities, including tuition, travel, living and medical-insurance expenses.
A numeric Masters-loan rate is not published on the reviewed product page
the page describes lower reducing-balance pricing and links to Canara's current interest-rate information.
Not published on the reviewed Masters-loan page.
Not published as a separate .
No student or co-borrower minimum income amount is published
admission, exam scores, income/assets and collateral evidence are assessed.
Minimum loan is above ₹7.50 lakh. With collateral coverage of 100% or more, there is no maximum cap subject to project cost
with coverage below 100%, maximum is ₹1 crore.
Repayment in up to 15 years excluding the moratorium period.
Collateral coverage 100% or more: 0.50% of sanctioned limit, maximum ₹10,000. Coverage below 100%: 0.50%, maximum ₹20,000. The page publishes a 50% waiver for 1 April 2026 to 30 June 2026.
Secured loan against a mortgaged residential house, flat or commercial property for non-business personal, medical and unforeseen expenses.
Competitive reducing-balance rate
exact percentage depends on borrower profile, risk rating, value of security and bank norms, and is not fixed on the page.
Not published on the reviewed product page
pricing is stated to depend on risk rating, security value and bank norms.
Not published on the reviewed product page.
No rupee minimum income is published. Salaried applicants must provide income evidence and have at least one year of confirmed service
non-salaried applicants must show annual income and three years in business or profession.
Loan is the lower of 50% of the property's bank-panel valuation, ₹7.50 crore, and the income-based formula: 96/84 times monthly gross salary for salaried CRG grades or 8/7 times average three-year cash accruals for non-salaried CRG grades.
Maximum 180 months (15 years), subject to eligible norms.
0.50% of loan amount with a minimum of ₹5,000. Documentation is ₹100 per lakh, with ₹1,000 minimum and ₹25,000 maximum.
housing loan for ready-built or under-construction homes, construction, site plus construction, repairs/renovation, second homes and eligible takeovers.
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.
Not published as a separate on the reviewed product page or linked rate tables.
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.
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.
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.
Straight-through digital personal loan for genuine personal needs such as medical, education, travel or household expenses
speculative purposes excluded.
Not published on the reviewed page
no numeric percentage or benchmark is stated.
Not published on the reviewed page.
Not published on the reviewed page.
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.
₹50,000 minimum and ₹10 lakh maximum.
12 to 60 months.
0.50% of loan amount, minimum ₹500 and maximum ₹2,500, excluding applicable taxes.
Loan against assigned rent receivables from eligible institutional tenants for genuine business or personal needs
speculative use is excluded.
Official Canara rate-range table: 9.25%–9.80% p.a. contracted range for Canara Rent, mean 9.43% (w.e.f. 12 December 2025).
Not published as a product-specific benchmark in the reviewed rate-range table.
Not published as a separate .
No universal numeric income threshold is published
existing satisfactory customers or well-introduced new customers must evidence rent, income and financial capacity.
Up to 75% of net rent receivable for the unexpired lease period after , advance rent and taxes, capped at ₹7.50 crore.
Up to 120 months or the unexpired lease period, whichever is earlier
selected institutional/corporate leases may go to 144 or 180 months subject to the page rules.
1.00% of loan amount, minimum ₹5,000. Inspection: ₹200 per inspection up to ₹10 lakh (maximum ₹600 yearly), or ₹300/actual above ₹10 lakh. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.
No prepayment penalty is listed on the official Canara Rent page.
Residential-site purchase loan for sites from government/statutory authorities, approved development layouts or -approved projects
qualifying takeovers are allowed.
Official Canara rate table: 8.00% plus CRG spread of 1.05%–2.10%, producing effective rates of 9.05%–10.10% by risk grade.
Repo Linked Lending Rate (), 8.00% in the reviewed table.
Not published as a separate .
No fixed rupee minimum is published
quantum uses three years' gross annual salary/income and the page requires salaried net take-home of 40% or adequate non-salaried income for instalments.
Lower of three years' gross annual salary/income or 75% of site cost/guideline value
a 25% margin is maintained on project cost.
Up to 10 years, the allotment agency's construction period, or until age 65 at closure, whichever is earlier.
0.50% of loan amount, minimum ₹1,500 and maximum ₹10,000. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.
Secured gold loan against pledged gold jewellery or gold coins up to 50 grams per customer for non-speculative medical, domestic or urgent expenses.
+ 0.95% p.a., effective from 12 March 2026 for Swarna schemes in the reviewed official rate table.
Repo Linked Lending Rate ().
Not published as a separate .
No income threshold is required or published for this secured gold-loan page
resident individuals and are eligible subject to gold appraisal and .
₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna , Swarna Express and Swarna Monthly Interest schemes.
Bullet repayment within 12 months from sanction, along with interest.
Swarna Loan, Swarna and Swarna Monthly Interest: 0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding . Swarna Express has a separate 0.15% band.
No prepayment penalty
the loan may be closed during the tenure subject to the scheme terms.
Vehicle loan for agriculturists buying new or pre-owned LMV four-wheelers, including second and subsequent vehicles.
The official Canara vehicle rate-range table shows 7.45%–15.00% p.a. contracted range (mean 9.09%) for Canara Vehicle
the agriculturist variant follows the vehicle scheme and customer CRG.
Vehicle scheme benchmark is not separately stated on the agriculturist page
the applicable Canara retail vehicle rate table governs pricing.
Not published as a separate .
Net take-home after must be 40% of gross annual income and at least ₹1.50 lakh a year. Dairy, poultry, plantation and horticulture applicants need minimum gross annual income of ₹4 lakh where the landholding test does not apply.
No upper limit, but total quantum cannot exceed one year's annual borrower income. For a used vehicle not over three years old, the amount is the least of 60% appraised value, 60% agreed price, 60% original price or ₹50 lakh, with minimum 50% margin.
New vehicles: maximum 84 months. Used vehicles: maximum 60 months or remaining useful life, whichever is lower. Monthly, quarterly, half-yearly or yearly repayment may follow income/crop cycle.
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus
a 50% waiver is published for 1 July 2026 to 30 September 2026.
Vehicle loan for a brand-new four-wheeler, new electric four-wheeler, pre-owned four-wheeler not older than three years, and second or subsequent vehicle purchases.
Competitive reducing-balance interest
exact rate depends on the applicant profile and prevailing Bank policy, with no numeric percentage on the reviewed page.
Not published on the reviewed product page
no benchmark or spread is stated.
Not published on the reviewed product page.
Salaried and other-than-salaried individual applicants need minimum gross annual income of ₹3 lakh
non-salaried applicants also need three-year gross-average annual income of at least ₹2.50 lakh.
No upper limit for new vehicles, subject to eligibility and repayment capacity. Pre-owned cars may receive up to ₹50 lakh subject to required margin
new vehicles can be financed up to 90% of cost.
New vehicles: maximum 84 months. Pre-owned vehicles: maximum 60 months or remaining useful life, whichever is lower.
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% processing-charge waiver is published for 1 July 2026 to 30 September 2026.
Term loan for an agriculture professional's agri-clinic or agri-business-centre project.
No product-specific percentage is published
the official page directs applicants to Indian Bank's lending-rates link.
No named benchmark or spread is published on the product page.
No separate percentage is published.
No income threshold is published
applicants must meet the age, agriculture-qualification and training requirements.
Subsidy project-cost ceiling ₹20 lakh for an individual (₹25 lakh for an extremely successful individual project) and ₹1 crore for a group project of at least five trained persons
finance can be higher if technically and financially viable, but subsidy remains scheme-limited.
Five to ten years depending on activity, including a maximum two-year moratorium.
As per the service-charge circular for agricultural advances
no numeric ACABC fee is published on the product page.
No separate prepayment or foreclosure charge is published.
Education loan under the IBA Model Educational Loan Scheme.
7.05% to 10.15% p.a. floating for the Education Loan row in Indian Bank's current personal-segment rate table
the applicable slab varies by institution category and borrower profile.
The current education-loan rate row is labelled floating but does not identify a named benchmark or spread for this product.
No separate percentage or calculation is published on the reviewed IBA education-loan page or current floating-rate table.
No minimum income amount is specified for the student in the IBA product table
the parent or spouse is a co-obligant/joint borrower and income documents are assessed under the bank's lending rules.
Need-based finance is available for India and overseas studies subject to margin and eligible expenses. The page publishes a ₹25 lakh maximum specifically for Executive Management/Executive
it does not publish a universal rupee ceiling for the regular IBA route.
Regular India/abroad education loans: up to 180 after the course and holiday period. Executive Management/Executive : up to 120 beginning the month after first disbursement
moratorium is course period plus up to one year for regular education loans.
Up to ₹10 lakh: nil. Above ₹10 lakh: 0.15% of the loan amount, capped at ₹3,000
the current schedule applies where stated.
No separate prepayment or foreclosure charge is stated in the reviewed IBA product table or current processing-fee schedule.
Home-improvement loan for repairs and renovation of an owned residential dwelling.
8.15% to 8.70% p.a. floating for IB Home Enrich in Indian Bank's current personal-segment rate table dated 14 August 2026.
The current IB Home Enrich rate row is labelled floating but does not identify a named benchmark or spread.
No separate percentage or calculation is published on the IB Home Enrich page or current floating-rate table.
The page does not state a rupee minimum-income amount. It requires steady income and at least three years of confirmed service/experience
after the proposed , NTHP must be at least 40% where annual income is up to ₹15 lakh, or at least 30% and ₹6 lakh annual take-home pay where income is above ₹15 lakh.
₹1 lakh minimum and ₹10 lakh maximum.
Maximum repayment period 10 years. Holiday period lasts until repairs/renovation is complete or three months from disbursement, whichever is earlier
holiday-period interest must be serviced monthly.
1% of loan amount, minimum ₹5,000 and maximum ₹15,000
nil for takeover cases under the shared Home Improve/Home Enrich schedule.
No separate prepayment or foreclosure charge is stated for IB Home Enrich in the reviewed current product page or shared fee schedule.
Secured home-improvement loan for household articles, interiors, appliances, solar systems and related residential improvements.
8.15%–9.55% p.a. floating for IB Home Improve in Indian Bank's current personal-segment rate table dated 14 August 2026.
The IB Home Improve row is labelled floating but the current official table does not identify a named benchmark or spread.
No separate percentage or calculation is published on the IB Home Improve page or current floating-rate table.
No separate rupee minimum is published. Take-home-pay eligibility is stated to be the same as the applicable Indian Bank Home Loan scheme.
Up to 36 times gross monthly income, subject to a maximum of ₹3 crore (₹300 lakh). Spouse or adult-child income may be included where the page's conditions are met.
Maximum 120 months with no holiday period.
1% of the loan amount, minimum ₹5,000 and maximum ₹15,000 under the current Indian Bank personal-segment processing-fee schedule
7.15% to 8.55% p.a. floating for IB Home Loan and IB Home Loan () in Indian Bank's rate table dated 14 August 2026
the applicable rate varies by borrower and lending slab.
The official rate table classifies this as a floating rate but does not name a benchmark (such as RBLR or ) for the product row.
No separate percentage or calculation is published in the current home-loan product page or the linked Indian Bank floating-rate table.
If applicants' gross annual income is up to ₹15 lakh, take-home income must be at least 40% of gross annual income. Above ₹15 lakh gross annual income, net take-home pay must be at least ₹50,000 per month.
The current IB Home Loan page does not state a universal rupee ceiling. Eligible finance is determined from the published income test, property value, margin and repayment-capacity rules.
General home loan maximum 30 years including the holiday period
repairs and renovation maximum 10 years. Commercial-real-estate home loan is up to 30 years for salaried and 25 years for non-salaried applicants.
₹1,500 for loan amount up to ₹25 lakh
₹2,500above ₹25 lakhup to ₹75 lakh
₹5,000above ₹75 lakh. Nil for takeover cases
is recovered separately.
Nil prepayment charges for the home-loan route in the current Indian Bank retail charge schedule.
7.65% to 8.75% p.a. floating for IB Home Loan Plus in Indian Bank's rate table dated 14 August 2026
the applicable rate varies by borrower and lending slab.
The official rate table classifies this as a floating rate but does not name a benchmark (such as RBLR or ) for the product row.
No separate percentage or calculation is published in the current Home Loan Plus page or the linked Indian Bank floating-rate table.
If gross annual income is up to ₹15 lakh, take-home income must be at least 40% of gross annual income. Above ₹15 lakh, net take-home pay must be at least ₹50,000 per month.
Minimum ₹1 lakh and maximum ₹10 crore. The first top-up is calculated at 75% of realisable sale value less home-loan outstanding
subsequent top-ups deduct previous IB Home Loan Plus outstanding as well.
Term loan maximum 15 years. Step-down overdraft is liquidated over a maximum of 15 years through equal monthly deductions.
1% of the loan amount, minimum ₹5,000 and maximum ₹15,000
9.15% to 10.00% p.a. floating for Sovereign Gold Bond loans in Indian Bank's current personal-segment rate table dated 14 August 2026.
The current Sovereign Gold Bond rate row is labelled floating but does not identify a named benchmark or spread.
No separate percentage or calculation is published on the Sovereign Gold Bond loan page or current floating-rate table.
No minimum income amount is published
eligibility is tied to ownership of eligible Sovereign Gold Bonds and branch appraisal.
Minimum ₹25,000
no maximum loan amount is published. Eligible finance is 70% of the preceding 30-day average 24-carat gold price quoted by the India Bullion and Jewellers Association.
One year, with bullet repayment of principal and interest at the end of the term.
No numeric processing fee is stated on the reviewed product page or current personal-segment processing-fee schedule for the Sovereign Gold Bond route.
No separate prepayment or foreclosure charge is stated for the one-year bullet loan in the reviewed product page or current processing-fee schedule.
Unsecured personal loan for eligible government, family and Indian Bank pensioners, supported by pension-account recovery and a guarantor.
9.90%–10.15% p.a. floating for Pension Loan in Indian Bank's current personal-segment rate table dated 14 August 2026.
The Pension Loan row is labelled floating but the current official table does not identify a named benchmark or spread.
No separate percentage or calculation is published on the IB Pension Loan page or current floating-rate table.
No separate rupee income floor is published. Eligibility requires an eligible pension credited through an Indian Bank branch, and the loan amount is tied to monthly pension credit.
Regular pensioner: up to 18 times monthly pension credit. Family pensioner: up to 12 times monthly pension credit.
Maximum 10 years, subject to the applicable maximum exit age: 78 years for regular pensioners and 75 years for family pensioners.
Nil for loan amounts up to ₹25,000
₹250above ₹25,000 under the current Indian Bank personal-segment processing-fee schedule.
The current IB Pension Loan page and linked current processing-fee schedule do not state a separate prepayment or foreclosure charge.
Secured term finance against rent receivables from leased residential or commercial property.
8.75%–10.25% p.a. floating under the current Indian Bank personal-segment rate table.
The current rate table labels the rate floating but does not name a benchmark or spread.
No separate percentage is published on the current IB Rent Encash page or rate schedule.
No separate salary or annual-income threshold is published
eligibility is tied to qualifying property, rent receivables, lessee and lease-period criteria.
High-grade lessee: up to ₹5 crore in Tier I/II centres and ₹2 crore in other centres
other lessees: up to ₹2 crore in Tier I/II centres and ₹1 crore in other centres, subject to the published rent and lease-period limits.
High-grade lessee cases: maximum 120 months
other-lessee cases: maximum 84 months, or the residual lease period where shorter.
1% of the loan amount under the current personal-segment processing-fee schedule.
For individuals, term-loan prepayment is nil. For non-individuals, term-loan and overdraft prepayment is 2% plus on the higher of outstanding balance or drawing limit.
Property-backed mortgage loan (loan against property).
Floating rate: Ind Mortgage term loan 8.95%–10.35% p.a.up to ₹7.50 crore and 9.00%–10.85%above ₹7.50 crore
overdraft 9.95%–11.60% p.a., per Indian Bank's current table dated 14 August 2026.
The current Ind Mortgage rate rows are labelled floating but do not identify a named benchmark or spread.
No separate percentage or calculation is published on the Ind Mortgage page or current floating-rate table.
No rupee minimum-income amount is published. Salaried applicants need at least three completed years of service
other individuals and businesses are assessed on income level and cash flow
pensioners must draw pension through an Indian Bank branch.
₹5 lakh minimum and proposals up to ₹25 crore (₹2,500 lakh). Proposals above ₹25 crore are considered by the corporate-office committee within delegated powers.
Normally up to 84 months with no holiday period
may be extended to 180 months for specified salaried employers or Tier I/II property locations, subject to ZLCC approval and the page's account-routing conditions.
1% of the loan amount under the current Ind Mortgage Scheme charge schedule
is recovered separately.
Term loan: nil for individuals and 2% of balance outstanding for non-individuals. Overdraft: 2% of balance outstanding irrespective of borrower type.
Secured term loan or overdraft against pledged gold jewellery.
Jewel Loan (Non-Priority) term loan with bullet repayment: 9.10% p.a. floating in Indian Bank's current rate table dated 14 August 2026. The current table lists the separate -against-gold-jewels rate under the product.
The Jewel Loan term row is labelled floating but the current official table does not identify a named benchmark or spread.
No separate percentage or calculation is published on the Jewel Loan page or current floating-rate table.
No rupee minimum income is published. For retail jewel loans up to ₹2.50 lakh, the bank may use the borrower's income declaration or proof
above ₹2.50 lakh, valid , Form 16 or other income proof is mandatory with detailed repayment-capacity assessment.
Retail jewel loans are capped at ₹25 lakh per customer, with an aggregate customer ceiling of ₹50 lakh across the published agriculture/retail/ jewel-loan limits. Up to five jewel loans may be held at one time.
Bullet repayment: maximum 12 months, repaid at the end of the 12th month with accrued interest. repayment: maximum 35 months, with beginning in the month after disbursement.
Nil under the current Indian Bank schedule for Jewel Loan (Non-Priority).
The current Jewel Loan page and linked fee schedule do not state a separate prepayment or foreclosure charge.
Joint Liability Group () group loan for agriculture, allied agriculture and eligible non-agriculture activity.
Applicable Indian Bank lending rate
the page publishes no product-specific percentage or spread. The current benchmark sheet lists one-year at 8.85% effective 03 August 2026, but the applicable spread is not stated.
Indian Bank lending rates
the 03 August 2026 benchmark sheet lists one-year at 8.85%. Product-specific spread is not published.
No separate percentage is published on the page or the current benchmark sheet.
No income threshold is published
eligibility is based on composition, activity and member repayment standing.
Agriculture, allied-agriculture and non-agriculture activity: group maximum ₹10 lakh, subject to ₹1 lakh per individual. Tenant and oral-lessee groups: group maximum ₹5 lakh, subject to ₹50,000 per individual.
Six to 60 months, depending on the activity for which the loan is sanctioned.
No -specific processing fee is published on the reviewed page.
No separate prepayment or foreclosure charge is published on the reviewed page.
Revolving cash-credit limit for short-term crop cultivation.
Refer current Indian Bank Lending Rates
the page provides an reference but no product-specific percentage.
is referenced, but no numeric spread is printed.
No separate percentage is published.
No income threshold is published
the product is for individual owner-cultivator farmers assessed on DLTC scale of finance.
₹25 lakh.
Revolving cash-credit limit
no fixed month/ year maximum is published, and cash generated must be routed through the account.
For agricultural jewel loans, up to ₹50,000: nil
above ₹50,000: 0.20% of loan amount with minimum ₹200. The official footnote specifically applies 0.20% to Gold Plus and Marine Gold limits above ₹3 lakh
the digital journey supports fresh sanction and renewal for eligible existing customers.
Digital : 7% p.a.up to ₹3 lakh under the Government of India interest-subvention scheme until the renewal due date or one year from sanction, whichever is earlier. If not repaid or renewed by then, the states (1-year) + 2.50% spread
prompt-repayment incentive applies subject to the scheme continuing.
(one-year) with a 2.50% spread is the stated post-due formula for the digital account
subvention-supported components are charged at the Government scheme rate while eligible.
No separate percentage is published in the page or the reviewed digital .
No income threshold is published for or Digital . Digital applicants must be existing Indian Bank customers with individual land holding recorded in their name and meet the published credit and prerequisites.
Digital currently supports up to ₹2,00,000 (the fifth-year limit)
higher limits can be requested offline. Digital renewal combines a customer's up to ₹2,00,000 and permits 10%, 20% or 30% annual enhancement subject to eligibility and a ₹2,00,000 ceiling.
documentation covers five years subject to annual renewal. A digital account becomes eligible for renewal from nine months after limit setting and within four yearssix months of account opening
digital renewal can be selected from the second year onward.
No processing charge is collected for the Digital journey. verification, digital-documentation and state stamp-duty charges are collected at actuals where applicable.
No separate prepayment or foreclosure charge is published in the reviewed page or digital .
Secured term loan or overdraft against , , Relief Bonds or eligible policies.
9.50% p.a. floating for loans/overdrafts against , , policy or Relief Bonds in Indian Bank's current rate table dated 14 August 2026.
The current securities-backed rate row is labelled floating but does not identify a named benchmark or spread.
No separate percentage or calculation is published on the reviewed securities-loan page or current floating-rate table.
No minimum income amount is published
the bank appraises the customer's capacity to service principal and interest and asks for salary or evidence.
Term loan minimum ₹10,000 with no upper ceiling
overdraft minimum limit ₹2 lakh with no upper ceiling, subject to prescribed margins.
/ Relief Bond finance: up to 5 years or instrument maturity, whichever is earlier. policy advance: up to 6 years or policy maturity, whichever is earlier.
Up to ₹1 lakh: nil. Above ₹1 lakh: ₹500 under the current Indian Bank schedule for loans against / Bonds.
Term loan: nil for individuals and 2% of balance outstanding for non-individuals. Overdraft: 2% of balance outstanding irrespective of borrower type.
Secured term loan, overdraft or Visa/RuPay credit card against an eligible Indian Bank term deposit.
For term loan and overdraft, 1 percentage point above the applicable interest rate on the pledged term deposit. The credit-card facility does not have a separate rate stated on this page.
The term-loan and overdraft rate is linked to the applicable rate of the pledged Indian Bank term deposit
no separate lending benchmark is named.
No separate percentage or calculation is published for the deposit-backed term loan, overdraft or credit card on the reviewed page.
No income threshold is published. Eligibility is based on holding an eligible unencumbered Indian Bank term deposit and satisfying the account-operation and identification conditions.
Online mode: lower of 90% of the deposit value and ₹10 lakh. Branch mode: up to 90% of the accrued deposit value, with a 10% margin
the facility cannot run beyond deposit maturity.
Branch term-loan repayment is flexible but cannot extend beyond the maturity date of the pledged term deposit. The online page does not state a separate instalment tenor.
The reviewed online and branch product tables do not state a separate processing fee for this deposit-backed facility.
The reviewed online and branch product tables do not state a separate prepayment or foreclosure charge
branch repayment is described as flexible up to deposit maturity.
Unsecured clean salary loan available as a term loan or overdraft.
Term loan: 9.65%–10.15% p.a. floating. Overdraft: 10.65%–11.15% p.a. floating, per Indian Bank's current rate table dated 14 August 2026.
The clean salary term-loan and overdraft rows are labelled floating but the current official table does not identify a named benchmark or spread.
No separate percentage or calculation is published on the Salary Loan page or current floating-rate table.
No minimum salary amount is published. After the proposed , take-home pay must be at least 40% of gross salary
loan assessment is based on 20 times monthly gross salary within the category limits.
Category 1: term loan and overdraft together capped at ₹50 lakh
overdraft alone is one month's gross salary up to ₹2 lakh. Category 2: term loan/overdraft is up to 20 times monthly gross salary with no cap published.
Term loan maximum 84 months in both categories. Category 1 overdraft is valid one year. Category 2 overdraft reduces monthly: up to 60 months for limits up to ₹5 lakh and up to 84 monthsabove ₹5 lakh.
Government/ employees: nil. Others: 1% of loan amount, maximum ₹10,000, under the current Indian Bank schedule for Clean Salary Loan and Clean Salary Loan Overdraft.
The current Salary Loan page and linked processing-fee schedule do not state a separate prepayment or foreclosure charge.
Digital overdraft against one eligible PNB offline or online fixed deposit, with optional credit-line linking.
Applicable interest rate on the linked plus 1 percentage point
PNB's example shows a 6.00% producing a 7.00% e- rate.
The linked fixed-deposit interest rate plus 1 percentage point
no separate lending benchmark is published for this secured overdraft.
Not published as a separate percentage or calculation for PNB e- against .
Not applicable
the facility is secured by an eligible fixed deposit and the official page does not require a salary or income threshold.
₹25,000 minimum and ₹50 lakh maximum per customer, after maintaining the applicable margin.
Maximum advance period is the residual maturity period of the linked fixed deposit
the overdraft auto-closes on the maturity date.
No processing or documentation charges.
Not published as a separate prepayment charge
the official terms instead require closure at maturity and restrict voluntary closure before maturity except for specified margin-erosion or branch-request cases.
New-car term loan linked to an existing or new PNB housing loan, secured by extending the mortgage on the housing-loan property.
The scheme page links to PNB's current new-car rate table
the table publishes new-car floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a. by borrower//e-vehicle route, without a separate Combo line.
+ with the applicable new-car borrower/ spread
the Combo page does not publish a separate benchmark.
Not published as a separate percentage or calculation for PNB Combo Car Loan.
Salaried applicants: minimum gross monthly income ₹50,000. Professionals, self-employed and business applicants: minimum post-tax annual income ₹6 lakh, averaged over the last three years, with consistent gross-income growth.
Up to 90% of the on-road price of the brand-new car
the page does not publish a separate rupee ceiling.
Up to 84 months or the remaining repayment period of the housing loan, whichever is shorter.
NIL under the current PNB retail charge schedule for PNB Combo Loan Scheme.
Not published as a Combo Car Loan-specific amount on the reviewed scheme page or current charge schedule.
The current PNB new-car table publishes floating rates from 7.60% to 9.70% p.a. and fixed rates from 8.60% to 10.70% p.a., varying by vehicle type, and borrower route.
+ with -, vehicle- and borrower-route spread.
Not published as a separate percentage or calculation for PNB Digital Car Loan.
Minimum income ₹25,000 per month
two years' filing is mandatory.
₹1 lakh minimum and ₹1 crore maximum.
Not published on the reviewed Digital Car Loan page
the standard vehicle scheme publishes up to 84 months for a new vehicle, subject to route and remaining service.
NIL on the reviewed Digital Car Loan page for processing and documentation charges.
Not published as a Digital Car Loan-specific amount on the reviewed product page or current retail-charge table.
Housing loan for purchase or construction of a residential house or flat, including an approved under-construction builder flat.
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.
Not published as a separate percentage or calculation for PNB Gen-Next Housing Loan.
Minimum net monthly salary ₹35,000
net salary is gross salary less statutory deductions such as income tax and provident fund.
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.
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.
Electric-car vehicle loan for a new e-vehicle for personal use or reimbursement of a new e-vehicle no more than three months old.
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.
Not published as a separate percentage or calculation for PNB Green Car Loan.
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.
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.
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.
Not published as a separate percentage or calculation on the reviewed housing-loan page, rate table or service-charge schedule.
No numeric minimum income is published. Eligibility requires an assured regular income and repayment-capacity assessment
co-borrower income may be clubbed.
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.
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.
Term vehicle loan for personal-use car or two-wheeler purchase, secured by hypothecation of the vehicle.
Current PNB vehicle rate table applies
for new cars the top floating band is 7.65% p.a. (non-e-vehicle) or 7.60% p.a. (e-vehicle), while the Insta Vehicle fixed rows show 8.65%/8.60% for the corresponding vehicle types.
+ for floating vehicle-loan bands
the fixed option is stated as a percentage in PNB's current table.
Not published as a separate percentage or calculation.
No fresh income proof is required
eligibility is based on an existing PNB home loan that has run for at least three years without an default.
90% of the car or two-wheeler on-road price, maximum ₹10 lakh.
Maximum 100 months for four-wheelers or 84 months for two-wheelers.
Flat ₹1,000 under PNB's current Insta Vehicle Loan charge schedule
Housing-loan overdraft with monthly reducing drawing power.
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.
Not published as a separate percentage or calculation.
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.
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.
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.
Term loan or overdraft against mortgage of eligible immovable property.
Floating term-loan rates currently run from 9.05% to 11.55% p.a. and overdraft rates from 9.55% to 12.05% p.a. when property security is up to 200% of loan amount
rates are - and security-dependent.
+ with - and security-dependent spread.
Not published as a separate percentage or calculation for PNB my Property Loan.
Salaried applicants: minimum net monthly salary ₹25,000. Other than salaried: minimum net annual income ₹3 lakh.
₹2 lakh minimum and ₹5 crore maximum
assessment is capped at 65% of realizable property value or 36× qualifying gross monthly income, whichever is lower.
Term loan: 180 months or up to age 70, whichever is earlier. Overdraft: liquidated in 15 years or up to age 70, whichever is earlier.
Term loan: 0.75% of loan amount, maximum ₹1 lakh
documentation ₹2,500up to ₹50 lakh and ₹5,000above ₹50 lakh.
PNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. ( + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities ( + 0.10%) and 11.50% p.a.up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab
higher slabs follow the published table.
+ 0
Not published by PNB for PNB Pratibha
the official page publishes the interest-rate link and fee headings but no percentage.
Not published. Eligibility is based on residency and admission to a listed premier institution/course
no numeric income threshold is stated.
Need-based and subject to repayment capacity
the reviewed PNB education catalogue does not publish one universal maximum for Pratibha or Udaan.
Repayment holiday and tenure follow the applicable PNB education-loan scheme, course duration and moratorium
no universal maximum tenure is published in the reviewed catalogue.
Current PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha
Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected route.
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.
Not published as a separate percentage or calculation for PAPL.
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.
₹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.
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.
Current PNB rate sheet: + 2.10% (11.50% currently) up to ₹4 lakh
+ 3.10% (12.50%) above ₹4 lakh to ₹7.50 lakh
+ 2.60% (12.00%) above ₹7.50 lakh
and + 1.10% (10.50%) where 100% tangible collateral is available.
+ 2
Not published by PNB for PNB Saraswati
the reviewed rate and charge pages publish interest-rate bands and fee rules, but no calculation.
Not published. PNB describes the maximum as need-based and subject to repayment capacity, without a numeric student or co-obligant income threshold.
Need-based, subject to the student's and co-obligant's repayment capacity
the does not publish a universal maximum amount.
Repayment starts after the repayment holiday/moratorium
outstanding moratorium interest is added to the loan and is determined at commencement. The reviewed catalogue does not publish a single maximum tenure.
No processing/upfront or documentation charge is published for PNB Saraswati in the reviewed current product communication
confirm any applicable service charge before disbursal.
PNB's current retail rate sheet publishes PNB Pratibha at 9.50% p.a. ( + 0.10%). PNB Udaan is 9.50% p.a. for premier foreign universities ( + 0.10%) and 11.50% p.a.up to ₹4 lakh under the Saraswati/Kaushal/Udaan slab
higher slabs follow the published table.
+ 0
Not published by PNB for PNB Udaan
the official page publishes rate bands and fee headings but no percentage.
Not published. The scheme requires a resident Indian with admission to a recognized overseas course
no numeric income threshold is stated.
Need-based and subject to repayment capacity
the reviewed PNB education catalogue does not publish one universal maximum for Pratibha or Udaan.
Repayment holiday and tenure follow the applicable PNB education-loan scheme, course duration and moratorium
no universal maximum tenure is published in the reviewed catalogue.
Current PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha
Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected route.
auto-loan table shows the 1-year reference at 8.70%
the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.
Not published in the reviewed Auto Loan or the linked auto-loan rate page
the field is blank and publishes the rate as a fixed scheme rate rather than an calculation.
₹3 lakh for salaried, self-employed, professional and business applicants
₹2 lakh to ₹1.5 crore
10 years minus vehicle age, capped at 60 months
1.50% of loan amount, minimum ₹3,000 and maximum ₹10,000, plus
Certified Pre-Owned Car Loan prepayment costs 1% of the pre-payment amount plus , charged quarterly, within two years of disbursement. Foreclosure costs 3% of theo-balance plus within two years.
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
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.
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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 numeric maximum
the page links the applicant to online loan-amount route.
Up to 30 years
Not published as a -specific numeric fee
the page links the general current processing-fee card without identifying a row or amount.
First-time takeover of a standard existing education loan during the course, moratorium or repayment period, with possible documented top-up for further study
Student Loan takeover 9.40%
Scholar Loan takeover 6.90% to 7.65%
Global Ed-Vantage takeover 8.90% to 9.40% p.a.
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
Not published in the reviewed Education Loan or the current education-loan rate page. The six-page leaves the Annual Percentage Rate field blank and its computation annexure contains null/blank values.
No numeric minimum income or salary threshold is published. The takeover checklist requires income proof for the co-applicant/guarantor: latest salary slip or salary certificate and Form 16/ for salaried applicants
business address proof and latest for non-salaried applicants.
₹10 lakh to ₹3 crore, including eligible outstanding or sanctioned balance, top-up and applicable source-lender prepayment penalty
180 months
Nil
NIL in the shared Education Loan contingent-charge table.
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
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
0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus for salaried customers
For select institutions, 9.40% without collateral up to ₹50 lakh or 8.90% with collateral
other secured borrowing 9.40%
no additional girl-student concession on select-institution pricing
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
Not published in the reviewed Education Loan or the current education-loan rate page. The six-page leaves the Annual Percentage Rate field blank and its computation annexure contains null/blank values.
No numeric minimum income or salary threshold is published. requires income proof for the co-applicant/guarantor: latest salary slip or salary certificate and Form 16/ for salaried applicants
business address proof and latest for non-salaried applicants.
Above ₹7.50 lakh and up to ₹3 crore
180 months, commencing six months after course completion
0.50% of loan amount, minimum ₹10,000 and maximum ₹50,000, plus
NIL in the shared Education Loan contingent-charge table.
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
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
0.35% of loan amount
salaried minimum ₹5,000 and maximum ₹15,000, non-salaried minimum ₹5,000 and maximum ₹18,000, plus
Transfer of an existing home loan from an eligible bank, -registered or qualifying government or employer
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
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.
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.
Not published as a separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
₹20 lakh to ₹50 crore
360 months
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.
Not published as a separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
Up to ₹1 crore
Up to 20 years
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 page describes the Home Top Up rate as competitive and directs applicants to the live card-rate page
no separate numeric rate is published here.
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
Not published as a rupee income threshold
the top-up page limits access to eligible home-loan customers and gives no salary or annual-income floor.
Not published as a fixed rupee cap on the reviewed product page
the top-up amount is assessed through existing-loan eligibility/card-rate route.
Up to 30 years
0.35% of loan amount
₹5,000–₹15,000 for salaried and ₹5,000–₹18,000 for non-salaried customers, plus
Loan against an eligible life-insurance policy assigned to
eligible issuers include , India Post, Life, Standard Life and Prudential Life.
11.20% p.a. effective 15 August 2025, based on one-year of 8.70% plus 2.50%
One-year plus 2.50 percentage points
the rate table lists 8.70%one-year and 11.20% effective interest for loans against eligible insurance policies (effective 15 August 2025).
The reviewed insurance-policy loan page and linked official securities rate table publish effective interest rates, not a separate figure or calculation.
No numeric income threshold is published. The borrower must be an individual aged at least 18 with an in-force policy in their own name and premiums paid up to date.
Up to 85% of policy surrender value, with no published rupee ceiling
36 months
0.35% of loan amount, minimum ₹500 and maximum ₹2,500, plus applicable
The reviewed official page refers to prepayment penalties but does not publish a numeric amount or formula.
Overdraft secured by a lien on eligible mutual-fund units
interest applies only to the amount used
9.95% p.a. effective 15 August 2025, based on one-year of 8.70% plus 1.25%
One-year plus 1.25 percentage points
the rate table lists 8.70%one-year and 9.95% effective interest for mutual-fund units (effective 15 August 2025).
publishes an effective annual interest rate for this security-backed loan, but no separate calculation or figure appears on the reviewed product page or the linked official rate table.
Applicants must be individuals above 18 with a steady source of income
does not publish a rupee minimum-income threshold for this facility.
Minimum ₹25,000
maximum ₹20 lakh against equity, hybrid or funds and ₹5 crore against debt or FMP funds
digital equity maximum ₹10 lakh
Up to 12 months
the account may be renewed for another 12 months through the stated channels after payment of the applicable renewal charge.
Processing: 0.50% of loan amount, minimum ₹500 and maximum ₹5,000, plus
annual review or renewal: ₹1,000 plus applicable tax
No prepayment penalty is published for the online loan against mutual fund units.
Demand loan or overdraft secured by National Savings Certificates ( VIII Issue) or Kisan Vikas Patras (). Branch channel only.
11.20% p.a. effective 15 August 2025, based on one-year of 8.70% plus 2.50%
One-year plus 2.50 percentage points
the rate table lists 8.70%one-year and 11.20% effective interest for / loans (effective 15 August 2025).
publishes an effective interest rate for / loans, but no separate figure or calculation appears on the reviewed page or linked official rate table.
No numeric income threshold is published. Eligibility is based on being at least 18, owning the pledged /, and maintaining or opening an savings account.
Up to 60% of certificate face value plus accrued interest, with no published rupee ceiling while the required margin is maintained
Aligned to the remaining maturity of the pledged or
outstanding must not exceed certificate maturity value
0.35% of loan amount, minimum ₹500 and maximum ₹2,500, plus applicable
No prepayment or foreclosure charges are published for the / facility.
Home Loan term loan or Home Loan Maxgain overdraft, on a daily reducing balance
7.25% to 8.55% p.a.
7.90% p.a.
Not published on the reviewed Home Loan product page or its linked rate card
the rate card publishes home-loan interest rates, not a separate calculation.
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).
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
0.35% of loan amount
minimum ₹5,000 and maximum ₹15,000 for salaried or ₹18,000 for non-salaried customers, plus
foreign-currency loan additionally available against (B)
1.00 percentage point above the rate paid on the pledged time deposit, irrespective of loan amount
table publishes one-year as 8
Not published on the reviewed Loan Against Deposits page or the linked loans-against-securities rate table
the issuer publishes the deposit-linked rate condition, not a separate calculation.
No income threshold is published. The facility is secured against the depositor's eligible , or (B) deposit
the product table publishes minimum loan as no limit for rupee facilities and currency-specific minimums for (B) foreign-currency loans.
No maximum limit stated in the product table
Rupee facility: up to remaining deposit maturity
(B)-backed foreign-currency loan: 1, 2 or 3 years or remaining maturity, with a one-year minimum
Not published on the reviewed Loan Against Deposits page or its linked rate table. The product page lists the facility, deposit security, margins and repayment but no processing-fee amount or waiver.
or (B): not permitted
: permitted after outstanding principal and interest are settled first
Secured loan against investments, deposits or receivables
1.00% above the interest payable on the underlying fixed deposit.
Interest is 1 percentage point above the interest payable on the relative / fixed deposit
the deposit rate is the reference rate for this overdraft.
Not published on the reviewed Online Overdraft Against Deposits page or the linked loans-against-securities rate table
a separate is not stated.
No income threshold is published. The facility is secured by a qualifying single-holder or fixed deposit with at least 6 months’ residual period.
₹25,000 minimum and ₹5 crore maximum
the overdraft limit is 75% of a /eTDR deposit or 90% of an /eSTDR deposit.
/eTDR: up to 3 years or the remaining fixed-deposit maturity, whichever is lower. /eSTDR: up to 5 years or remaining maturity, whichever is lower.
Not published on the reviewed Online Overdraft Against Deposits page or linked rate table. The page states deposit limits, interest, tenure and eligibility but no processing-fee amount or waiver.
Not published for the online overdraft facility. The reviewed page explains closure before or at deposit maturity and home-branch closure, but does not state a separate prepayment or foreclosure charge.
Pension Loan, Jai Jawan Pension Loan and Treasury/ pensioner variants
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.
Not published on the reviewed Pension Loan page
the page states applicable interest/pricing terms but does not publish a separate calculation.
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.
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
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
gold loan, 12-month bullet repayment gold loan and gold-loan overdraft
9.15% p.a. for 12-month bullet
10.10% p.a. for and overdraft variants
The gold-loan links each published rate to 1-year : 12-month bullet is 0.45%above 1-year , is 1.40% above and overdraft is 1.00% above. The current rate table displays 1-year as 8.70%.
Not published on the reviewed Personal Gold Loan page or its linked rate route
the issuer publishes scheme interest rates, not a separate calculation.
Supporting income documents are required for amounts above ₹2.5 lakh.
₹20,000 for or bullet variants
₹5 lakh for overdraft
36 months for and overdraft
12 months for bullet repayment
₹50,000-₹2 lakh: 0.50%, minimum ₹500
above ₹2 lakh-₹25 lakh: 0.30%, minimum ₹1,000
above ₹25 lakh: 0.25%, minimum ₹7,500 and maximum ₹15,000
extra
No prepayment penalty and no foreclosure charge. states that the gold loan may be closed at any point without foreclosure charges.
Unsecured term loan on daily reducing balance or overdraft with reducing drawing power
no guarantor
Starting from 10.00% p.a.
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.
Not published on the reviewed Personal Loan page or its linked rate route
the issuer publishes interest-rate conditions, not a separate calculation.
₹20,000 for government or defence employees
₹25,000 for corporate employees
₹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
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
PMVL-Utkarsh 6.90%, PMVL-Uttam 7.20% and PMVL-Uday 8.40% p.a., linked to
(External Benchmark Rate)
the education-loan rate floats for the full loan period.
Not published in the reviewed Education Loan or the current education-loan rate page. The six-page leaves the Annual Percentage Rate field blank and its computation annexure contains null/blank values.
All income groups may borrow, but subvention has separate income and course conditions.
Need-based loan up to ₹3 crore under the -Vidyalaxmi scheme.
Up to 15 years, excluding the course period and moratorium.
No processing fee is stated on the product page. A ₹200 application fee plus is recovered only when the student avails the loan from .
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.
Not published on the reviewed 2.0 Home Loan page or its linked home-loan rate material
the page does not provide a separate calculation.
Gross annual household income up to ₹9 lakh
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.
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.
Income-based home-loan limit sanctioned before the property is finalised
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
Not published as a rupee income threshold
the offer is pre-approved using assessment and the page gives no salary or annual-income floor.
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
Non-refundable applicable home-loan processing fee is collected at sanction
current schedule is 0.35% with applicant-type caps plus
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.
Not published for the Pre-Approved Pension Loan. The official offer page and customer-care describe the selected offer and repayment terms but do not publish a separate calculation.
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.
Up to ₹10 lakh
6 months to 84 months, depending on the product variant
the available tenure is displayed during the application journey.
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.
Not published for the Pre Approved Personal Loan. The official offer page and customer-care describe variant-dependent pricing and repayment terms but do not publish a separate calculation.
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.
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.
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.
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
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
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.
Not published as a separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
₹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
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 .
directs applicants to the live Home Loan card-rate page
no separate numeric reverse-mortgage 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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
Not published as a rupee income threshold
reverse mortgage eligibility is based on senior age and an eligible residential property, not a stated salary or annual-income floor.
Up to ₹2 crore in specified major municipal-corporation areas and ₹1.5 crore at other centres
10–20 years, depending on the borrowers' age
Reverse Mortgage loan: 0.35% of the loan amount, minimum ₹3,000 and maximum ₹12,000, plus .
temporary 6.75% for listed IIM and other named institutes through 30 September 2026 and all IITs through 31 December 2026
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
Not published in the reviewed Education Loan or the current education-loan rate page. The six-page leaves the Annual Percentage Rate field blank and its computation annexure contains null/blank values.
No numeric minimum income or salary threshold is published. The eligibility checklist requires income proof for the co-applicant/guarantor: latest salary slip or salary certificate and Form 16/ for salaried applicants
business address proof and latest for non-salaried applicants.
Without tangible security: List ₹50 lakh, A ₹40 lakh, B ₹30 lakh and C ₹7.50 lakh
with full-value tangible collateral, need-based for /A/B and up to ₹1 crore for C
180 months
begins 12 months after course completion or six months after employment, whichever is earlier
Nil
NIL in the shared Education Loan contingent-charge table.
8.65% p.a. for study in India or ordinary study abroad
at select overseas institutions, 8.65% without security up to ₹50 lakh or 8.15% with security
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
Not published in the reviewed Education Loan or the current education-loan rate page. The six-page leaves the Annual Percentage Rate field blank and its computation annexure contains null/blank values.
Eligible serving or retired Defence, Indian Coast Guard or personnel, or their spouse or wards, with the co-borrower's qualifying salary or pension account maintained throughout the loan
Study in India follows current Student Loan limits
study abroad follows current Global Ed-Vantage limits, including the published ₹3 crore overall overseas ceiling
180 months
Nil up to ₹20 lakh
₹10,000 plus tax above ₹20 lakh
NIL in the shared Education Loan contingent-charge table.
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 separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
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
Full waiver of processing fee
out-of-pocket legal, valuation, CERSAI and charges continue at actuals
the education-loan rate floats for the full loan period.
Not published in the reviewed Education Loan or the current education-loan rate page. The six-page leaves the Annual Percentage Rate field blank and its computation annexure contains null/blank values.
No numeric minimum income or salary threshold is published. requires income proof for the co-applicant/guarantor: latest salary slip or salary certificate and Form 16/ for salaried applicants
business address proof and latest for non-salaried applicants.
₹5,000 to ₹7.50 lakh
Up to 36 months through ₹50,000
60 monthsabove ₹50,000 through ₹1 lakh
84 monthsabove ₹1 lakh
Nil processing fee and nil margin
NIL in the shared Education Loan contingent-charge table.
0.50 percentage-point concession for girl students
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
Not published in the reviewed Education Loan or the current education-loan rate page. The six-page leaves the Annual Percentage Rate field blank and its computation annexure contains null/blank values.
No numeric minimum income or salary threshold is published. requires income proof for the co-applicant/guarantor: latest salary slip or salary certificate and Form 16/ for salaried applicants
business address proof and latest for non-salaried applicants.
For study in India, standard limits vary by course and NIRF status from ₹30 lakh to ₹75 lakh, with case-by-case limits up to ₹1 crore
study abroad up to ₹7.50 lakh
180 months after course period plus a 12-month repayment holiday
Nil up to ₹10 lakh
₹5,000 plus above ₹10 lakh through ₹20 lakh
0.50%above ₹20 lakh, capped at ₹25,000 plus
NIL in the shared Education Loan contingent-charge table.
auto-loan table shows the 1-year reference at 8.70%
the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.
Not published: the reviewed Auto Loan leaves the field blank, and the Super Bike product page publishes the scheme interest rate rather than an calculation.
₹3 lakh for salaried, pensioner, professional and business applicants
₹4 lakh for agriculturists
₹1.5 lakh to ₹25 lakh
60 months
2% of loan amount, maximum ₹10,000, plus
Not published for the Super Bike Loan. The official covers the product but publishes its NIL pre-payment statement only for new car loans
the Super Bike page does not state a separate prepayment or foreclosure charge.
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.
Not published as a separate
publishes the applicable interest/card-rate route, not an all-in annual percentage rate for this product page.
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.
₹30 lakh for salaried and ₹20 lakh for non-salaried borrowers
Up to 15 years
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 .
electric two-wheelers receive a published 0.50 percentage-point concession
auto-loan table shows the 1-year reference at 8.70%
the listed scheme rates are fixed at disbursement and remain unchanged for the loan period.
Not published: the reviewed Auto Loan leaves the field blank, and the Two-Wheeler product page publishes the scheme interest rate rather than an calculation.
₹10,000 net monthly for salaried applicants and pensioners
₹1.5 lakh net annual for others
₹50,000 to ₹3 lakh, also capped at six times net monthly income and the applicable / ratio
60 months
3% of loan amount plus
50% waiver for Salary Package customers
Not published for the Two-Wheeler Loan. The official covers the product but publishes its NIL pre-payment statement only for new car loans
the Two-Wheeler page does not state a separate prepayment or foreclosure charge.
7.25% p.a. advertised starting rate from 1 April 2026
the current top-up rate card lists Insta Top Up as + 50 bps + 10 bps convenience fee, with the borrower-specific rate subject to applicable card terms and the underlying home-loan rate.
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 separate for this overdraft product. publishes the -linked rate formula and advertised starting rate, but no annual percentage rate including all charges.
No separate income or salary threshold is published for this route. Eligibility is restricted to existing home-loan customers who satisfy the account, repayment, and pre-selection conditions listed by .
The offered amount is tied to 8% of the existing home-loan limit, subject to a ₹50,000 minimum and ₹8 lakh maximum, as stated on the terms page
the lower applicable amount controls. Total top-up exposure without extending the mortgage cannot exceed ₹8 lakh.
Not published as a fixed repayment tenure for this overdraft facility. states that repayment is through beginning on the customer-selected date, but the reviewed terms page does not give a month or year limit.
₹3,000 plus applicable , deducted from the loan amount before disbursement.
No prepayment penalty is charged under this scheme.
Unsecured personal-expense loan for pensioners and family pensioners
no collateral or security is required, with a personal-guarantee condition in the applicable pension cases.
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.
No separate figure is published
the Union Cash table publishes , premium and effective .
No fixed rupee monthly pension or annual-income threshold is published. Eligibility is assessed largely from pension, repayment capacity, age and credit-information record.
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.
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.
Current retail table: Inland/abroad/ Student Union Education up to ₹7.50 lakh is 10.00% p.a. for male students and 9.50% for female students
above ₹7.50 lakh is 9.75% and 9.25% respectively. Other premier, Vidyalaxmi and medical-institute tiers have separate published rates.
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 separate figure is published
the official rate provides scheme-specific annual effective .
No fixed rupee income threshold is published. or income proof is required for the borrower, co-borrower or guarantor where applicable.
No single maximum amount is published on the reviewed Education Loan documents page
the current shows separate scheme quantum bands, including up to ₹150 lakh for a premier-abroad collateral tier and up to ₹200 lakh for a premier-medical tier.
Maximum repayment tenure is 15 years.
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 numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
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 separate figure is published
the official table presents -linked effective .
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 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 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.
Union Miles covers non-electric vehicles. The page also describes new and eligible used vehicle purposes for the overall vehicle-loan family.
Current Green Vehicle table: new electric four-wheeler 7.50%–9.90% p.a. by score and borrower type
new electric two-wheeler 10.90%–11.00% p.a.
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 separate fee-inclusive figure is published
the current table provides annual effective by score.
No fixed rupee income floor is published
the standard vehicle page says quantum depends on gross income, , deductions, age and vehicle cost.
No separate Green Vehicle ceiling is published in the reviewed table
the standard vehicle page publishes no ceiling for a new four-wheeler, ₹10 lakh for a new two-wheeler and ₹20 lakh for an eligible old four-wheeler.
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 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 numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
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 separate figure or methodology is published
Union Bank publishes /-linked annual instead.
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 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 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.
Current Union Mortgage table: self-occupied residential property 9.05%–11.10% p.a.
tenanted residential 9.30%–11.10%
self-occupied commercial/industrial 9.70%–11.60%
leased or multi-tenanted commercial 10.15%–11.85%, by score.
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 separate figure is published
the current publishes , premium and effective by property type and score.
No fixed rupee minimum income is published on the reviewed Loan Against Property page
approval depends on property value, repayment capacity and creditworthiness.
Minimum ₹5 lakh and maximum ₹15 crore.
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 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 numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
0.75% p.a. above the of the Union Home Loan account against which Union Mortgage Plus is extended, without factoring the home-loan concession. Borrowers with CIBIL below 700 attract an additional 0.10% risk premium
staff home-loan borrowers are also charged 0.75% above the applicable Union Home Loan .
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 separate figure is published
the issuer publishes the underlying Home Loan plus the Mortgage Plus spread.
No separate rupee income floor is published
eligibility is tied to an existing Union Home Loan account and the Bank's assessment.
No separate Mortgage Plus quantum ceiling is published in the reviewed current table or Loan Against Property page.
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 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 numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
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.
No separate fee-inclusive figure is published
the official retail table publishes annual effective by score.
No fixed rupee salary or annual-income threshold is published. Income is considered in the approval and loan-amount assessment.
Up to ₹50 lakh, subject to eligibility and repayment capacity.
Up to 84 months (7 years).
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.
Current retail table: new four-wheeler 7.60%–10.00% p.a. depending on score and borrower type
new two-wheeler 10.90%–11.20%
old four-wheeler up to 3 years11.60%–11.70%
Green Vehicle rates are lower in the separate Green Vehicle table.
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.
The issuer describes the loan rate as an annual percentage rate but does not publish a separate calculation or fee-inclusive figure.
No fixed rupee salary or annual-income floor is published. Loan amount depends on age, gross income, , deductions and vehicle cost.
New four-wheeler: no ceiling published. Old four-wheeler not older than 3 years: up to ₹20 lakh. New two-wheeler: up to ₹10 lakh.
No universal maximum tenure is published on the reviewed Union Vehicle page
repayment is by under scheme terms.
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 numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral.
Baroda Car LoanBank of Baroda
Baroda Digital Education LoanBank of Baroda
Baroda Digital Personal LoanBank of Baroda
Baroda Personal LoanBank of Baroda
Baroda Two Wheeler LoanBank of Baroda
Baroda Home LoanBank of Baroda
