Bank Of Baroda Home Loan-2025
Bank of Baroda Home Loans start at an attractive 7.45% p.a. interest rate with flexible tenures of up to 30 years. You can borrow up to ₹10 crore and enjoy low processing fees starting from just 0.25% of the loan amount. There are no prepayment charges on floating-rate loans, and you can also avail a top-up loan up to five times during your loan tenure.
Bank of Baroda Home Loan Details
Looking to apply for a BoB Bank home loan? Here’s a quick overview of the Bank of Baroda housing loan options:
| Features | Details |
| Interest Rate Range | Floating: 7.45% – 9.20% p.a.
Fixed: 9.15% – 10.20% p.a. |
| Loan Amount | Up to ₹20 crore |
| Processing Fees | Up to 0.50% of loan (Min ₹8,500; Max ₹25,000) |
| Prepayment/Foreclosure Charges | Nil |
| Maximum Tenure | 30 Years |
| Rate Packages Available | Floating only |
| Penal Interest Rate | Not applicable |
The Bank of Baroda housing loan processing fee covers documentation, inspection & valuation, legal fees, and CERSAI charges. Check our processing charges page for full details.
Bank of Baroda Home Loan Interest Rates
BoB Home loans are linked to the Baroda Repo Linked Lending Rate (BLLR), currently at 8.15% p.a.. Here’s a simple overview of the Bank of Baroda home loan interest rate for various loan products:
| Product | For Salaried | For Non – Salaried |
| Baroda Home Loan (Non-Staff Members) | 7.45% – 9.20% p.a. | 7.45% – 9.20% p.a. |
| Baroda Home Improvement Loan | 7.45% – 9.20% p.a. | 7.45% – 9.20% p.a. |
| Baroda Max Savings Home Loan (Up to ₹75 Lakh) | 7.45% – 9.20% p.a | 7.45% – 9.20% p.a |
| Baroda Max Savings Home Loan (Above ₹75 Lakh) | 7.70% – 9.45% p.a. | 7.70% – 9.45% p.a. |
| Baroda CRE Home Loan | 7.70% – 9.45% p.a. | 7.70% – 9.45% p.a. |
| Baroda CRE Home Loan (Max Savings Up to ₹75 Lakh) | 7.70% – 9.45% p.a. | 7.70% – 9.45% p.a. |
| Baroda CRE Home Loan (Max Savings Above ₹75 Lakh) | 7.95% – 9.70% p.a. | 7.95% – 9.70% p.a. |
| Baroda Top-Up Loan | Linked Home Loan ROI + 0.85% | Linked Home Loan ROI + 0.85% |
Bank of Baroda Home Loan EMI Calculator
Calculate your Bank of Baroda (BoB) Home Loan EMI in just a few clicks using the BoB Home Loan EMI Calculator. Enter your loan amount, tenure, interest rate, and processing fee, and the tool will instantly show your EMI. This helps you plan your finances effectively for your Bank of Baroda home loan.
The calculator also provides a complete amortization schedule, showing the breakdown of principal and interest payments throughout your loan tenure.
Bank of Baroda Home Loan EMI Illustration:
| Loan Amount | 10 Years | 20 Years | 30 Years |
| ₹10 lakh | ₹11,870 | ₹8,065 | ₹6,992 |
| ₹20 lakh | ₹23,740 | ₹16,112 | ₹13,984 |
| ₹30 lakh | ₹35,611 | ₹24,168 | ₹20,976 |
| ₹50 lakh | ₹59,351 | ₹40,280 | ₹34,961 |
Note: The above EMI is calculated at a BoB home loan interest rate of 7.45% p.a.. Your actual EMI may vary based on the Bank of Baroda home loan interest offered to you.
Use this BoB home loan calculator to get a clear idea of your monthly payments and plan your dream home purchase with ease.
Key Features of BOB Bank Home Loan
Interest Rate Based on Credit Score:
The Bank of Baroda home loan interest varies according to the applicant’s credit score. Borrowers with higher scores enjoy lower rates:
- Credit score 800 or above: 8.15%
- Credit score 701–725: 8.80%
- New-to-credit (NTC) borrowers: 8.80%
Maximum Funding Percentage:
The Bank of Baroda housing loan offers different funding limits depending on the loan amount:
- Loans up to ₹30 Lakh – Maximum funding: 90%
- Loans ₹30–75 Lakh – Maximum funding: 80%
- Loans above ₹75 Lakh – Maximum funding: 75%
City-Wise Funding Limits:
Funding percentages may vary slightly by city for BoB Bank home loans: Hyderabad, Bangalore, Mumbai, Pune, Chennai:
- Loans up to ₹30 Lakh – 90% funding
- Loans ₹30–75 Lakh – 80% funding
- Loans above ₹75 Lakh – 75% funding
Processing Fees and Other Charges:
BOB ensures transparency with the following charges:
-
Processing Fee: Waived for certain loan categories
-
Legal Fees: ₹5,900 for property verification
-
Technical Fees: Varies depending on property assessment
-
MODT (Memorandum of Deposit of Title Deed): 0.60% of loan amount (0.30% for Mumbai & Pune)
-
NOI (Mumbai & Pune): 0.5% of loan amount, capped at ₹17,500
Bank of Baroda Home Loan Eligibility Criteria
| Eligibility Requirement | Details |
| Age |
|
| Residency Status | Resident Indian, Non-Resident Indian (NRI), Person of Indian Origin (PIO) |
| Employment Type | Salaried, Self-Employed |
Documents Required to Apply for Bank of Baroda Home Loan
| Document Type | Options / Details |
| Identity Proof (any one) | Passport, PAN Card, Driving License, Voter ID, Aadhaar Card |
| Proof of Residence (any one) | Aadhaar Card, Voter ID, Driving License, Passport, Utility Bill copy |
| Age Proof (any one) | Birth Certificate, Voter ID, Passport, Aadhaar Card |
| Proof of Income | Latest Form 16 or Income Tax Returns, Last 6 months’ bank statements |
| Other Documents | Processing fee cheque in favor of the bank, Duly filled & signed application form with passport-size photographs of applicant and co-applicants |
How to Apply for a Bank of Baroda Home Loan
Applying for a Bank of Baroda Home Loan is a simple process, especially with the availability of online application facilities. Here’s a step-by-step guide to help you apply for a Bank of Baroda Home Loan:
1. Research
Understand the different home loan schemes offered by Bank of Baroda and choose the one that aligns with your needs.
2. Check Eligibility
Use Bank of Baroda’s online eligibility calculator to determine your loan eligibility.
3. Gather Documents
Collect all the required documents for your chosen loan scheme and applicant type.
4. Online Application
Visit the Bank of Baroda official website or use reliable platforms like NoBroker to apply online. You can also check your Bank of Baroda home loan status online via the official website.
5. Fill Application Form
Provide accurate details and upload the required documents.
6. Application Review
Bank of Baroda will review your application and may request additional documents if necessary.
7. Loan Approval and Disbursement
Once approved, the loan amount will be disbursed to your bank account.
By following these steps, you can complete the Bank of Baroda Home Loan application process conveniently and efficiently.
Bank of Baroda Home Loan Customer Care
If you have any queries or require assistance regarding Bank of Baroda Home Loans, you can reach out to their customer care team. Here are the contact details for Bank of Baroda Home Loan Customer Care:
| Toll-Free Number | 1800 225 100 |
Feel free to contact them for any information or support related to your Bank of Baroda Home Loan journey.
How NoBroker Helps You
NoBroker simplifies your home loan process and saves time and money by:
- Direct Applications – Apply for Bank of Baroda home loans directly through NoBroker without visiting the branch.
- Expert Guidance – Get personalized assistance to choose the best loan scheme based on your profile.
- Document Assistance – Ensure all required documents are in order, reducing the chances of delays.
- Loan Status Updates – Track your application status in real time through the platform.
- Broker-Free Savings – Avoid unnecessary broker fees while getting professional support.
By using NoBroker, you can complete your Bank of Baroda home loan journey smoothly, efficiently, and completely online.
Conclusion
Bank of Baroda Home Loans provides an excellent opportunity for individuals to fulfil their dream of owning a home. With competitive interest rates, flexible loan options, and a wide range of schemes, the Bank of Baroda caters to the diverse needs of borrowers. By reading this blog, you have gained insights into Bank of Baroda’s home loan details, interest rates, eligibility requirements, the application process, and customer care contacts. Take advantage of the knowledge shared here and embark on your journey to homeownership with Bank of Baroda Home Loans.
