Bank of Baroda Home Loan

Here are a few factors

How To Apply
Product Rating

( 4.6 /5 )

Total - 363 ratings


Loan Amount

Minimum - 10 Lakhs

Maximum - 20 crores


PAN India

Rate of Interest

From 8.50% to 10.50%

Processing Fees

Up to 0.50% of the loan amount or ₹3,000, whichever is higher, plus applicable taxes.

Loan Repayment Tenure

Up to 30 years

Re-Appraisal Of Loan After 6 Months From Sanction

Up to Rs 2,000 plus applicable taxes.

Bank of Baroda Home Loan EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest %8 %
Tenure (months)12
Emi (monthly)8,699
Total Interest4,386
Loan Amount + Interest104,386
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
57,3643,52960,89342,63657.36 %
Jun8,0326678,69991,9688.03 %
Jul8,0866138,69983,88216.12 %
Aug8,1405598,69975,74224.26 %
Sep8,1945058,69967,54832.45 %
Oct8,2494508,69959,29940.70 %
Nov8,3043958,69950,99549.00 %
Dec8,3593408,69942,63657.36 %
42,63885743,4950100.00 %
Jan8,4152848,69934,22165.78 %
Feb8,4712288,69925,75074.25 %
Mar8,5271728,69917,22382.78 %
Apr8,5841158,6998,63991.36 %
May8,641588,6990100.00 %
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.


Documents and Eligibility Required for Bank Of Baroda Home Loan


  • Age- 21-70 years
  • Profession– Salaried/Self-employed Professionals (Doctors, Lawyers, Engineers, CA, architects, consultants, CS) and Self-employed Non-Professionals (Commission agent, contractor, trader)
  • Nationality– Indian Resident and NRIs
  • Genders– All.

List of common documents:

Duly filled application form along with the applicants' three photographs

Identity proof - PAN Card

Driving license / Adhaar Card / Voter ID / Passport

Residence proof - Ration Card / Voter ID / aadhaar Card

In the case of previous loans, the loan statement of the last year

ITR reports for verification

Additional documents

For salaried

  • Last 3 months' salary slips.
  • Form 16 and ITR statement of last 1 year
  • Copy of the identity card of the employer.
  • Promotion or increment letter if any.
  • Bank account statement of last 6 months.

For self-employed individuals

  • The balance sheet for the last 2 years.
  • ITR reports of the last 2 years
  • Business license proof and the business registration certificate
  • The firm's PAN number details.
  • Bank account statement of last 1-year

About Bank Of Baroda Home Loan

Owning a home is a dream for everyone. But, owning or buying a home is not at all an easy task. So, for buying your dream home, you can surely go ahead and look for Bank of Baroda Home Loans. You can opt for Bank of Baroda home loans for new construction, new purchases, buying old construction homes, and even for repairing and renovating your old homes.

The Bank of Baroda has made its borrowing process easy and quick. Simply go to the bank's website, check your eligibility for a home loan, and apply in a few clicks. They even offer the option to transfer home loans from another bank to the Bank of Baroda because of the low-interest rates they give to their customers.

The primary benefit of taking Bank of Baroda home loans is that they provide free accident insurance along with the loans, which helps your family to be stress-free from any debts in your absence. They offer a very comfortable and long-term loan repayment tenure of 30 years. Bank of Baroda is a leading government bank with the market's lowest home loan rates. They cover up to 90% of the property purchase amount, which can go up to a maximum of 20 crores.

Different types of home loans at the Bank of Baroda

Let’s have a look at the various options for home loans available at the Bank of Baroda:

Baroda Home Loan
For purchasing, constructing, or extending the home you can apply for a home loan:
  • Loan Amount - Rs. 1 crore - Rs. 20 crores
Loan amount ratio
Up to 30 Lakhs 90% of the total home loan amount.
Between 30 - 75 Lakhs 80% of the total home loan amount.
Above 75 Lakhs 75% of the total home loan amount.

Home Loan Takeover
  • With this type of home loan, the Bank of Baroda offers its customers the opportunity to transfer their existing home loan balance from any other bank to the Bank Of Baroda.
  • Loan Amount - Rs. 1 crore - Rs. 20 crores
  • Up to 30 Lakhs 90% of the total home loan amount.
    Between 30 - 75 Lakhs 80% of the total home loan amount.
    Above 75 Lakhs 75% of the total home loan amount.
Home Renovation or Improvement Loan
Bank of Baroda offers its customers home loans to repair or renovate their existing homes, which includes the purchase of any kind of new furniture or extra fittings for the home:
  • Loan Amount - Rs. 1 crore - Rs. 20 crores
  • Up to 30 Lakhs 90% of the total home loan amount.
    Between 30 - 75 Lakhs 80% of the total home loan amount.
    Above 75 Lakhs 75% of the total home loan amount.

Pre-Approved Home Loan
  • Bank of Baroda also provides an option for their customers to get pre-approved loans before they finalize the home or flat they want to buy. And the validity of this pore-approval is for 4 months.
  • Loan amount - up to 10 crores
  • Loan tenure -30 years
Top-Up Home Loan
  • Bank of Baroda also has an additional facility for its existing home loan applicants to get top-ups on their loans for any speculative reason.
  • Loan amount - Rs. 1 lakh - Rs. 1 crore
  • Loan ratio - 75% of the remaining value of that home
  • Tenure - 30 years.

Leave Your Question


Bank of Baroda will determine the home loan amount based on the applicants, income, age, repayment capacity, and job stability.

Yes, the Bank of Baroda home loan can be foreclosed without penalty fees.

Bank of Baroda allows only the applicant's blood relatives to be co-applicants in home loans.

An individual can use a Bank of Baroda Home Loan for purchasing, constructing, or extending their home.

The validity for a Home Loan Pre-approval from the Bank of Baroda is 4 months.