SBI vs Bank of Baroda Home Loan: Which Offers Better Rates in 2025?
Comparing SBI vs Bank of Baroda home loans helps you understand which bank fits your needs better. Bank of Baroda generally offers lower interest rates and higher loan limits, while SBI is known for its wide branch network and strong government backing. By evaluating interest rates, fees, and eligibility criteria, you can easily decide which option suits your budget and repayment capacity. Understanding these key differences makes your dream of owning a home more affordable and achievable.
SBI vs Bank of Baroda Home Loan: Which One Offers Better Rates in 2025?
When comparing Bank of Baroda home loan vs SBI home loan, the numbers clearly show that Bank of Baroda offers more savings in 2025. Bank of Baroda’s interest rates start from 7.45% to 7.80% p.a., while SBI’s rates range from 7.50% to 8.45% p.a. This difference may look small, but it can save you thousands over the loan tenure.
Bank of Baroda also offers a lower EMI of ₹632, compared to SBI’s ₹649, and a much higher loan limit of up to ₹20 crore, whereas SBI offers up to ₹5 crore. Both banks allow a repayment tenure of up to 30 years, but Bank of Baroda gives an added advantage with zero processing fees on digital applications. In contrast, SBI charges 0.35% to 0.40% of the loan amount.
If you’re comparing home loan Bank of Baroda vs SBI, these factors make it easier to choose the bank that matches your financial goals in 2025. Understanding these differences helps you make a smart, budget-friendly home loan decision.
SBI Home Loan Interest Rate
| Rate of Interest | Max funding | ||
| Credit Score | ROI | Loan Amount | Funding % |
| >=825 | 7.50% | <=30 Lakh | 90% |
| 750 – 824 | 7.70% | ||
| 700 – 749 | 7.80% | 30<75 Lakh | 80% |
| 650 – 699 | 8.15% | ||
| 550-649 | 8.45% | 75 Lakh> | 75% |
| NTC | 7.80% | ||
| NTC=101-150 | 8.25% | – | – |
| NTC=150-200 | 7.70% | – | – |
| Apply Now | |||
Bank of Baroda Home Loan Interest Rate
| Rate of Interest | Max funding | ||
| Credit Score | ROI | Loan Amount | Funding % |
| 825+ | 7.45% | <=30 Lakh | 90% |
| 800-824 | 7.65% | ||
| 751 – 799 | 7.65% | 30<75 Lakh | 80% |
| 726-750 | 7.80% | ||
| 701-725 | 7.80% | 75 Lakh> | 75% |
| -1 | 8.00% | ||
| Apply Now | |||
Which Bank Offers Better Value in 2025?
In the comparison between SBI vs Bank of Baroda home loans, the choice between which bank offers better value comes down to your financial situation and borrowing needs. Let’s look at how the SBI vs Bank of Baroda home loans stack up against each other in different areas.
Bank of Baroda will emerge as a more budget-friendly option for borrowers in 2025. Their home loan interest rates range from 8.15% to 8.80% for loans up to ₹75 lakh. SBI’s rates fall between 8.00% to 8.95%. These differences can lead to substantial savings over your loan term.
The processing fees tell a different story. Bank of Baroda charges no processing fees for most applications. You only need to pay a ₹1,500 login fee, which gets refunded after your first disbursement. SBI asks for 0.35% of the loan amount plus GST. This affects your upfront costs.
Bank of Baroda shines with its higher maximum loan amounts:
- ₹20 crores in Mumbai
- ₹7.50 crores in metro cities like Hyderabad, Delhi NCR, and Bengaluru
This is a big deal as it means that Bank of Baroda offers more than SBI’s ₹5 crores limit. The Bank of Baroda vs SBI home loan comparison becomes even more relevant if you’re looking at luxury properties.
Both banks compete well with their loan-to-value ratios:
| Loan Amount | Bank of Baroda LTV | SBI LTV |
| Up to ₹30 lacs | 90% | Up to 90% |
| ₹30-75 lacs | 80% | 80-85% |
| Above ₹75 lacs | 75% | 75-80% |
This is a big deal as it means that Bank of Baroda offers more than SBI’s ₹5 crores limit. The Bank of Baroda vs SBI home loan comparison becomes even more relevant if you’re looking at luxury properties.
First-time homebuyers with limited down payment options might find the Bank of Baroda more appealing. However, SBI’s extensive branch network and government backing could be worth the extra cost for some borrowers.
Your choice should line up with what matters most to you – lower initial costs, maximum borrowing limits, or your existing banking relationships.
SBI vs Bank of Baroda Home Loan: Easy Comparison
Comparing home loan SBI vs Bank of Baroda helps you clearly understand which lender suits your budget, eligibility, and financial needs. Below is a simplified comparison of SBI home loan vs Bank of Baroda home loan based on interest rates, fees, tenure, and key features.
SBI vs Bank of Baroda Home Loan – Quick Comparison
| Category | SBI Home Loan | Bank of Baroda Home Loan |
| Interest Rate | 8.40% p.a. – 10.70% p.a. | 6.50% p.a. – 7.95% p.a. |
| Processing Fees |
|
Contact the bank (Digital applications may have zero fees) |
| Popular Home Loan Products |
|
|
| Retail Lending Rate | EBR: 6.65% | BRLLR: 6.50% |
| Loan Amount | Contact the bank | Contact the bank |
| Loan Tenure | Up to 30 years | Up to 30 years |
| Lowest EMI | ₹649 | ₹632 |
| Eligibility | Resident Indians aged 18–70 years | Resident Indians & NRIs |
| Prepayment Charges | No charges | No charges |
| Penal Interest | 2% p.a. | Contact the bank |
Special Features
| Category | State Bank of India (SBI) | Bank of Baroda (BoB) |
| Special Features |
|
|
| General Home Loan | For purchase, construction, or balance transfer | Baroda Home Loan – low interest, no prepayment penalty |
| Salaried Segment | SBI FlexiPay: Higher eligibility + moratorium | Max Savings: Links savings account to home loan to reduce interest |
| Government Employees | SBI Privilege: Lower rates, easy process | Standard terms (no exclusive plan mentioned) |
| Defense Personnel | SBI Shaurya: Special benefits | Not specified |
| Plot Loan | SBI Realty: Loan up to ₹15 crore | Standard plot purchase loan |
| Tribal Areas | SBI Tribal Plus Loan | Not specified |
| Senior Citizens | SBI Reverse Mortgage Loan | Not specified |
| Pre-approved Loan | SBI Pre-approved Home Loan | Baroda Pre-approved Home Loan: In-principle approval before property search |
| Home Renovation | Not specified | Baroda Home Improvement Loan with moratorium up to 36 months |
| Insurance | Not specified | Free accident insurance with a home loan |
| PMAY Support | Interest subsidy up to 6.5% under PMAY | Covers all PMAY income categories with subsidies from 3% to 6.5% |
| Credit Score Offers | 0.10% interest discount for CIBIL score >750 | Not explicitly mentioned |
How NoBroker Can Help You
Choosing between SBI home loan vs Bank of Baroda home loan becomes much easier with NoBroker. Here’s how NoBroker simplifies your home loan journey:
- Personalised Loan Comparison: NoBroker compares interest rates, EMIs, processing fees, and eligibility from SBI and Bank of Baroda to help you pick the best deal.
- Free Expert Guidance: Loan experts explain the differences between home loan Bank of Baroda vs SBI in simple terms so you can make a confident decision.
- Document Assistance: NoBroker helps you collect and upload all documents required by both banks—saving you time and effort.
- Faster Approvals: With dedicated loan managers coordinating with the bank, your loan process becomes smoother and quicker.
- Negotiated Interest Rates: NoBroker often helps users secure better rates or lower processing fees based on their profile.
With NoBroker, the entire experience becomes stress-free, transparent, and more affordable.
Conclusion
Comparing SBI vs Bank of Baroda home loans helps you understand which bank aligns better with your financial goals. While Bank of Baroda offers lower interest rates and EMIs, SBI provides a strong network and diverse loan products. The right choice depends on your income, loan amount, repayment comfort, and long-term budget. By understanding the key differences and benefits of both banks, you can make a smart and cost-effective home-buying decision.
