The current page and the current Retail Loans schedule disagree. The page shows −0.50% to +1.70% for and Advantage up to ₹75 lakh, and −0.25% to +1.95% for Advantage above ₹75 lakh
the rate page's Max Savings rows show −0.45% to +1.30%up to ₹75 lakh and −0.20% to +1.55% above. The page's separately says floating pricing is 1-year to 1-year +1%. Confirm the applicable rate with the Bank
no single range is selected.
Conflicting benchmark wording: the page's rate table uses spreads and says is 0.25% above the normal / home-loan rate, while its says floating pricing is linked to 1-year with an annual reset. The current schedule lists 1-year at 8.75% (effective 12 September 2026) and at 7.90% (effective 6 December 2025)
its Max Savings floating rows use , while a separate -linked section is labelled effective from 1 April 2016 and sets 0.25%/0.50% over the normal Home Loan rate by amount. The Bank does not reconcile which benchmark or schedule applies to this variant
no borrower rate is calculated.
Location-based ceilings: Mumbai ₹10 crore
other metros ₹5 crore
urban areas ₹3 crore. The page repeats the ₹3 crore Urban Areas line twice. Each ceiling remains subject to income, repayment capacity and /margin rules
the page does not list semi-urban or rural ceilings.
Maximum loan period is 30 years including a moratorium of up to 36 months. For under-construction houses/buildings through the 7th floor, the page states an 18-month moratorium, then six additional months per floor, capped at 36 months.
Combined gross annual income of at least ₹5 lakh equivalent for applicant/co-applicants whose income is counted. The page says applicant/co-applicant income can be combined where an is included.
For holding Indian passports, holding foreign passports and . Applicants may borrow singly or jointly
are excluded. Counted-income applicants must meet the page's two-year overseas employment/work-permit or overseas residence/business condition and the published combined gross-income floor. The page sets minimum ages of 21 for a borrower and 18 for a co-applicant, and says age may be considered up to 70. Close relatives may co-apply
a non-relative may be considered only if a joint property owner.
Conflicting official terms: the page states a 100% processing-charge waiver for specified /channel/project leads, with ₹3,500–₹10,000 + out-of-pocket costs per property
for non- takeover it states nil subject to a refundable ₹1,500 login fee. The current 1 April 2025 tariff separately labels Home Loan (All variants) and prints 50%up to ₹50 lakh or 25% above, with ₹8,500–₹15,000 /₹8,500–₹25,000 limits and ₹8,500 takeover. The Bank does not reconcile the variant-specific waiver with the all-variants tariff.
The says pre-closure is nil. A separate generic fixed-rate Home Loan tariff says own-source repayment is nil and takeover by another lender costs 0.50% of outstanding. Because the page says fixed pricing was withdrawn but the current bank-wide schedule prints fixed rows without defining applicability, the fixed-rate tariff is not assigned to this borrower variant.
: 7.90% p.a., effective 6 December 2025. 1-year : 8.75% p.a., effective 12 September 2026. The product page links floating pricing to and fixed pricing to 1-year , plus Strategic Premium and a /internal-score spread.
Applicable Home Loan including risk premium where applicable, based on current , plus Strategic Premium plus 0.50%. The current retail-rate schedule shows no standalone effective rate and notes an additional 0.10% concession for customers opting for group credit-life insurance.
Current Bank of Baroda and the linked home-loan pricing rules.
Value awaiting review
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.
Value awaiting review
Prospective Baroda Home Loan borrowers, including takeover cases, and existing borrowers under the Baroda Home Loan scheme.
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.
Floating: 7.20%–8.95% p.a.up to ₹75 lakh and 7.45%–9.20% p.a.above ₹75 lakh, calculated from 7.90% and the published spreads. Fixed spreads are +1.00% to +2.30%, varying by loan band and salaried status
see the full rate table.
Bank of Baroda Repo Linked Lending Rate (), 7.90% p.a. effective 6 December 2025
the Bank's page says pricing also depends on loan limit and score.
By location: Mumbai ₹20 crore
Hyderabad, New Delhi and Bengaluru ₹7.50 crore
other metros and Chandigarh–Panchkula–Mohali ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore. Subject to repayment capacity and /margin rules.
Up to 30 years including a maximum 36-month moratorium. For under-construction homes through the 7th floor, the stated moratorium is 18 months, then 6 additional months per floor, capped at 36 months.
For // applicants whose income is counted, combined gross annual income must be at least ₹5 lakh. The page does not state one resident-applicant minimum salary
residents are assessed using the published repayment-capacity bands.
Resident Indians and eligible , and
individual applicants may apply singly or jointly, but are not eligible. Resident counted-income applicants need 1 year of salaried employment or 2 years in business/profession (up to 3 months' service break). Counted-income // applicants need 2 years' qualifying overseas work/business residence and combined gross annual income of ₹5 lakh. Borrower age starts at 21
co-applicant at 18
age may be considered up to 70. Close relatives may co-apply
a non-relative must be a joint property owner.
Value awaiting review
Nil pre-closure charges are stated for this Max Savings Home Loan. The separate current fixed-rate tariff for retail loans distinguishes own-source prepayment (nil) from takeover by another lender (0.50% of outstanding)
the page does not resolve how that separate row applies to this product/borrower.
Floating pricing is linked to plus a -score-based spread
fixed pricing is linked to 1 Year plus a category and -score-based spread.
Maximum ₹20 lakh, linked to occupation and account relationship. Minimum ₹1 lakh at metro/urban branches and ₹50,000 at rural/semi-urban branches.
84 months for qualifying salary-account customers
72 months for the same target group with another bank
48 to 60 months for others.
Value awaiting review
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.
Product page: nil for government/defence borrowers with a Bank of Baroda salary account
otherwise 1%–2% (minimum ₹1,000, maximum ₹10,000) + . Conflicting schedules: the linked All-in-Cost says 2%, minimum ₹250 + service tax
the Service Charges table says 2%, minimum ₹1,000 and maximum ₹10,000 (table labelled effective 20 June 2019). Confirm the applicable category and tariff with the Bank.
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.
₹50,000 to ₹15 lakh.
36 to 60 months.
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.
Value awaiting review
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.
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.
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.
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.
Salaried, self-employed and professional individuals
maximum age 70 years at final repayment. A doctor’s certificate describing handicap extent and equipment need is required.
Nil processing charge
the current rate sheet also lists the charge as waived.
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.
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.
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.
Salaried, self-employed and professional individuals, including permanent or confirmed employees
maximum age 70 years at final repayment. Trusts are not eligible.
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.
interest is calculated on a daily reducing balance.
The page publishes daily reducing-balance interest but no separate named benchmark.
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.
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.
Salaried customers with Bank of India salary accounts and existing salaried Bank of India home-loan customers
maximum age 75 years at final repayment.
1.00% of loan amount, minimum ₹2,500 and maximum ₹15,000.
11.20% p.a. effective rate on the current retail-rate table.
+ 3.15%
effective rate 11.20% at review.
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.
Minimum take-home salary ₹25,000 per month for both published employee categories.
Value awaiting review
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 .
The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.
Value awaiting review
24 times gross salary, subject to a maximum of ₹20 lakh
net take-home pay must be at least 50% of gross salary after statutory dues and all loan instalments. A 40% take-home threshold is permitted where an employer undertaking is available.
84 equated monthly instalments, in multiples of 12.
Minimum gross salary ₹1.80 lakh per year.
↓
Permanent railway, government, school, hospital, municipal-body and similar employees need at least one year of service
confirmed/permanent Indian or multinational-company employees need at least three years. A Central Bank salary account and permanent employment are required.
1.00% of loan amount plus
nil for defence personnel. Documentation is ₹270 plus up to ₹2 lakh and ₹450 plus above ₹2 lakh
9.00% p.a. floating under the current Indian Bank personal-segment rate table.
The rate is labelled floating
no named benchmark or spread is published in the reviewed sources.
₹25,000 minimum
maximum is the lower of ₹2,00,000 or two months' salary.
One year
the overdraft is repayable on demand and must be liquidated three months before retirement.
Minimum monthly salary credited to the Indian Bank account: ₹25,000
salary credits must have been received for at least one month.
Regular employee of Government, State Government, , listed company or autonomous body with salary credited to an Indian Bank savings account for at least one month and monthly credit of ₹25,000 or more
NTHP after interest must be at least 40%
IBCLS borrowers are excluded.
Value awaiting review
No separate prepayment charge is published
the facility is repayable on demand and reviewed annually.
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.
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.
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.
Central or State Government pensioners, family pensioners, re-employed pensioners and Indian Bank retirees under VRS or superannuation whose pension accounts are maintained with an Indian Bank branch. Regular pensioner maximum entry age is 75 and exit age 78
family pensioner maximum entry age is 72 and exit age 75. CRS retirees and pensioners are excluded.
Nil for loan amounts up to ₹25,000
₹250above ₹25,000 under the current Indian Bank personal-segment processing-fee schedule.
9.00% to 9.25% p.a. floating for IB Professional in Indian Bank's current personal-segment rate table dated 14 August 2026.
The current IB Professional rate row is labelled floating but does not identify a named benchmark or spread.
The lower of 2.50 times the lowest gross annual income during the last two years or ₹30 lakh.
Term loan maximum 84 equated monthly instalments.
Minimum annual gross income ₹7.50 lakh during each of the last two years
professionals must have filed regularly for the last two years.
Recognised professional with at least two years' work experience, valid qualification/membership/licence, minimum age 21 and maximum age 70, regular filing for two years, good credit history and at least 75% of credit turnover routed through the bank account.
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.
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.
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.
Permanent employees with at least two years' service or experience in Government, quasi-Government, boards/endowments, reputed companies or corporate industrial establishments. Category 1 requires salary credit in Indian Bank without check-off/undertaking
Category 2 allows check-off/undertaking or a regular Indian Bank Home Loan with salary credited there. Entry age is 21 years and the loan must close three months before superannuation.
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.
PNB salary-account route: +, printed as 8.10% floating /9.10% fixed on 7 October 2026. Other salary-account route: ++0.50 percentage points, printed as 8.60% floating /9.60% fixed. The printed all-in values predate the 8 October revision and are not recomputed.
PNB salary-account route: +. Other salary-account route: ++0.50 percentage points. PNB is 8.35% effective 8 October 2026
is not published in this product row.
Up to 24× gross monthly salary, capped at ₹20 lakh, subject to repayment capacity.
Remaining period of service or maximum 72 , whichever is earlier.
Value awaiting review
Value awaiting review
Nil processing/upfront and nil documentation charges.
Dedicated Doctor's Delight page: minimum ₹2 lakh, maximum ₹20 lakh or 24 times monthly gross salary/income, whichever is lower. PNB's general instead says maximum ₹15 lakh or 20 times gross monthly income. The two current official sources conflict
confirm the applicable sanction ceiling with PNB.
Up to 84 or the remaining service period, whichever is earlier
overdraft is adjusted over a maximum 84 months.
Gross annual income/salary of at least ₹5 lakh
the also requires the applicant to be a taxpayer for the last 2 years and provide those years' income-tax returns.
Value awaiting review
0.90% of the loan amount plus ₹450 documentation charge
PNB's latest located quarter disclosure (quarter ended March 2026) reports a Personal Loan to Pensioners range of 10.60%–11.60% p.a. and mean of 11.10%. The product rate sheet dated 7 October states ++2.50 percentage points, printed then as 10.60% floating /11.60% fixed
those all-in figures predate the 8 October revision.
++2.50 percentage points. PNB's is 8.35% effective 8 October 2026. The 7 October rate sheet's displayed 10.60% floating and 11.60% fixed figures predate this benchmark revision and are not recalculated here.
Minimum ₹25,000. Maximum is ₹10 lakh up to age 70, ₹7.5 lakhabove 70 to 75, and ₹5 lakh above 75, each subject to the stated pension multiple.
Maximum 60 or up to age 78, whichever is earlier
borrowers above age 75 are limited to 24 in the scheme disclosure.
9.25%–16.80% p.a. (mean 13.03%) for the quarter ended March 2026. This is PNB's reported retail Personal Loan range, not a current individual offer or a scheme-specific sanction rate.
Value awaiting review
Up to 24 times gross monthly salary, subject to repayment capacity, with a maximum of ₹20 lakh.
Maximum 72 or the remaining service period, whichever is earlier
defence personnel are capped at 60 .
Value awaiting review
Value awaiting review
1.00% of the loan amount plus taxes
documentation ₹270up to ₹2 lakh and ₹450above ₹2 lakh. PNB's current page links to this charge schedule.
See the complete PAPL route/ rate table on this page. PNB's 7 October sheet prints floating rates of 10.60%–12.60% and fixed rates of 11.60%–13.60% across the applicable routes
the table preserves each route and band. The printed all-in values predate 8.35% effective 8 October and are not recalculated offers.
Floating pricing is +
the percentage-point spread varies by customer route and band. PNB is 8.35% effective 8 October 2026
the rate sheet does not publish a current value for recomputing each printed 7 October quote.
₹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.
Value awaiting review
Value awaiting review
0.50% of loan amount, minimum ₹500 plus
includes upfront, documentation, stamp-duty, and other listed charges.
See the complete 13-row rate table on this page. PNB's 7 October 2026 sheet prints floating rates from 10.25% to 15.80% p.a. and fixed rates from 11.25% to 16.80% p.a.
the listed formulas and spreads are preserved in the table. These printed all-in figures predate 8.35% effective 8 October and are not refreshed customer offers.
PNB Sahyog uses + with borrower/-band spreads from +2.15 to +7.70 percentage points. PNB is 8.35% effective 8 October 2026
the page does not publish a current value for recalculating each all-in rate.
Up to 15× gross monthly salary, maximum ₹10 lakh.
Remaining service period or maximum 60 , whichever is earlier.
Minimum take-home after deductions ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres.
Value awaiting review
PNB's Personal Loan fee schedule lists 1.00% processing plus taxes
documentation ₹270up to ₹2 lakh and ₹450above ₹2 lakh. Sahyog's links to this schedule.
Part or full prepayment from the borrower's own identifiable sources is permitted at any stage without a prepayment penalty.
See the three-row rate table on this page. PNB's 7 October 2026 sheet prints floating rates of 10.60%, 11.60% and 12.60%, with fixed rates 11.60%, 12.60% and 13.60% respectively. The printed values predate the 8 October revision and are not recalculated offers.
+ with -band spreads. PNB is 8.35% effective 8 October 2026
PNB's current rate sheet does not give the needed to refresh the 7 October printed all-in figures.
₹25,000 minimum to ₹10 lakh maximum
up to ₹6 lakh is available through the single- journey.
Up to 72 months, or until the borrower reaches age 60, whichever is earlier.
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.
Up to ₹50 lakh, subject to eligibility and repayment capacity.
↑
Up to 84 months (7 years).
No fixed rupee salary or annual-income threshold is published. Income is considered in the approval and loan-amount assessment.
Salaried and self-employed applicants are eligible. The official says a CIBIL score above 700 is ideal
approval also considers income and repayment history.
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.
Salaried employees in private or public enterprises
the specifies Indian citizens whose employment is regular or fixed.
Up to 2.5% of loan proceeds
Value awaiting review
Green marks the most favourable compatible published number or range in each column; incomparable units and overlapping range trade-offs remain neutral. It does not account for eligibility, service, exclusions or personal suitability.
Baroda Digital Personal LoanBank of Baroda
Baroda Personal LoanBank of Baroda
