🇮🇳 India 🏛️ Bank of Baroda Last updated2026-05-13
Bank of Baroda EMI Calculator 2026 rates.
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Quick answer
Bank of Baroda home loan rate starts at 8.4% (typical 8.65%) as of 2026. A ₹50 lakh loan at 8.65% over 20 years = an EMI of approximately ₹43,867/month.
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LiveEMI Calculator
₹
₹25.00 L
%
Monthly EMI
₹21,696
/month
Total Interest
₹27.07 L
52% of total
Total Payable
₹52.07 L
over 20 years
Principal vs Interest Split
48% principal
52% interest
✨ Live · For home, personal, auto, education loans · Excludes processing fees
📊 Current rates
Bank of Baroda loan rates (May 2026)
🏠 Home Loan
8.4–10.4%
typical: 8.65% p.a.
💵 Personal Loan
10.9–17.05%
typical: 11.5% p.a.
🚗 Car Loan
8.9–12.7%
typical: 9.4% p.a.
💳 Processing Fee
0.50% of loan amount (max ₹10,000 for home loans)
🔁 Prepayment
Zero on floating retail home loans. Variable on fixed-rate.
🏛️ About Bank of Baroda
Why choose Bank of Baroda?
Bank of Baroda is one of India's largest public-sector banks post the 2019 merger with Dena Bank and Vijaya Bank. Strong presence in semi-urban and rural India. Home loan book around ₹1.2 lakh crore.
🎯 Unique angle
Best rates after SBI in the public-sector segment. Especially strong for affordable-housing PMAY beneficiaries with subsidy direct-credit to loan account.
Product highlights
- ✓ Baroda Home Loan: 8.4-10.4% with up to ₹10 crore size
- ✓ Baroda Pre-Approved Home Loan for existing customers
- ✓ PMAY direct credit subsidy processing
- ✓ BoB Repo-linked home loan (transparent floating)
- ✓ Special rates for defense personnel and senior citizens
❓ Bank of Baroda FAQ
Common questions.
Is Bank of Baroda cheaper than SBI for home loans?
Marginally — BoB is typically 10-25 bps higher than SBI at any given LTV. BoB's advantage: faster processing in tier-2/3 cities where SBI branches can be slow. For metro customers, SBI usually wins on rate.
How does BoB process PMAY subsidy?
BoB directly receives the PMAY-CLSS subsidy from the National Housing Bank and credits it to your home loan principal (typically ₹2.30-2.67 lakh subsidy for EWS/LIG segments). No paperwork hassle on your end — you just submit eligibility documents at application time.
What is BoB Repo-linked home loan?
Per RBI mandate (since Oct 2019), retail floating-rate loans must be linked to an external benchmark — BoB uses the RBI repo rate. Your home loan rate = repo rate + spread (typically 2-3%). When RBI changes repo, your rate adjusts within 3 months.
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