The pre-approved home loan is priced at the prevailing Baroda Home Loan rate. The linked current table publishes a floating spread of −0.70% to +1.05%
with the table's of 7.90% effective 6 December 2025, that corresponds to 7.20%–8.95% p.a. before borrower-specific risk pricing.
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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.
Up to ₹10 crore, as listed for Baroda Pre-Approved Home Loan in the current Bank of Baroda Home Loans catalogue. The eventual sanction remains subject to income, score, security value and acceptance.
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Up to 30 years, as listed for Baroda Pre-Approved Home Loan in the current Bank of Baroda Home Loans catalogue. The pre-approval itself remains valid for four months, which is separate from the eventual loan repayment tenure.
Income details and score under the applicable home-loan guidelines
income/repayment documents are required but property documents are initially excluded
Resident Indians
holding Indian passports
holding foreign passports
₹8,500 plus applicable upfront and non-refundable
the balance of unified Home Loan processing charges is recovered after sanction. If property papers are submitted within the four-month validity, only the remaining applicable charges are recovered.
Part or full prepayment from the borrower’s own sources is permitted
the page does not publish a separate percentage charge for this pre-approved route.
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.
7.25% p.a. onwards, subject to card-rate terms and borrower profile
home and home-related loan pricing is benchmark-linked to the repo/External Benchmark Lending Rate. The current reference is 7.90% + + (effective 15 December 2025)
the borrower- and product-specific / is set under current card-rate terms. home-loan portal also states that a change in the benchmark repo rate changes the account interest rate.
Value awaiting review
360 months, subject to repayment by age 70
Value awaiting review
Value awaiting review
Non-refundable applicable home-loan processing fee is collected at sanction
current schedule is 0.35% with applicant-type caps plus
published as effective from 15 June 2025, subject to terms and conditions.
Value awaiting review
Up to ₹15 lakh for an eligible pre-approved offer.
6 months to 84 months, depending on the product variant
the available tenure is displayed during the application journey.
Value awaiting review
Only customers pre-selected using bank-defined parameters
eligibility can be checked by the published PAPL route
Nil to ₹10,000 plus , depending on the product feature
subject to revision.
A pre-payment penalty may apply depending on the product feature
the applicable charge is shown in the Key Fact Statement.
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.
