The current product page publishes fixed 13.65% p.a. (1-year + Strategic Premium + 4.65%) and floating 13.60% p.a. ( + Strategic Premium + 4.25%). The central retail-rate schedule publishes fixed 13.65% p.a. but floating 12.40% for the same + Strategic Premium + 4.25% formula. Both official values are retained because they conflict
the applicable sanctioned rate must be confirmed with . An additional 0.05% applies where an individual customer does not opt for Group Credit Life Insurance.
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 lakh for all categories.
Up to 60 months.
Value awaiting review
Resident individuals including salaried employees, businessmen, professionals and farmers
Bank of Baroda staff and ex-staff can apply under the public scheme. The borrower must be at least 21 and borrower/co-applicant/guarantor age plus the repayment term must not exceed 70.
Normal two-wheeler loan: 2% of the loan amount plus , minimum ₹250 plus . The same service-charge schedule lists Digital Two Wheeler at 2% plus , minimum ₹1,000
this product is the normal two-wheeler row.
Floating-rate: nil. Fixed-rate: nil part payment up to ₹10,000 within the first two years and nil after two years
the page otherwise describes fixed-rate pre-closure conditions.
The dedicated Yoddha page does not publish a variant-specific rate. Its linked detailed page currently shows fixed 13.65% p.a. (1-year + + 4.65%) and floating 13.60% p.a. ( + + 4.25%), while the current central retail-rate schedule shows fixed 13.65% and floating 12.40% for the same floating formula. Both official values are preserved
no single Yoddha rate is inferred and the sanctioned rate must be confirmed at application.
Dedicated Baroda Yoddha Two-Wheeler Loan route for eligible defence personnel covered by the Yoddha offering. The dedicated page does not publish a separate numeric rate, limit or tenure
it links to the detailed two-wheeler terms for those values. The linked general terms list salaried employees, businesspersons, professionals, farmers and staff/ex-staff as general applicant groups, subject to Bank assessment.
The current service-charge schedule lists nil processing charges for Baroda Yoddha customers where the Yoddha concession applies. For comparison, the linked normal two-wheeler row is 2% plus , minimum ₹250 plus .
Floating-rate pre-closure is nil. For fixed-rate two-wheeler loans, cumulative part payment up to ₹10,000 is nil within the first 2 years and after 2 years
otherwise 2% plus applies to the entire amount within the first 2 years, including closure.
1-year + 2.00% to 3.50%, stated on the page as 10.75%–12.25%. Women borrowers and EV buyers receive a 0.50% concession over the applicable rate
concessions cannot be clubbed and are capped at 0.50%.
+ 2
₹50,000 to ₹3 lakh. The Benefits section separately advertises up to 93% finance
states a 7% margin on ex-showroom price plus RTO charges.
12 to 60 months.
Salaried applicants: average net salary of at least ₹20,000 for the last three months
new-to-credit salaried customers: at least ₹25,000. Self-employed individuals: minimum gross annual income ₹2,40,000.
Salaried employees of Central/State Government, , autonomous bodies, listed public limited or private limited companies, trusts or
or self-employed professionals (including doctors, engineers, architects, interior designers, technology-management consultants and practising company secretaries), insurance agents and self-employed businesspersons. A six-month savings-account relationship with any bank is required
salary must be credited for salaried applicants and account conduct satisfactory for self-employed applicants.
2% of the loan amount, subject to a minimum of ₹1,000 plus . Processing charges, and stamp duty must be paid upfront before e-stamping/e-signing
ETB customers may be debited from the operative account and NTB or other-bank-statement journeys use the payment gateway.
2% plus on the amount prepaid when the prepaid amount is above ₹10,000 during the first one year of the loan period. The product page's one-year rule is retained instead of the older generic two-wheeler two-year note.
other borrowers, including business concerns, 11.35%/12.35% p.a. The page prints these as current values.
Salaried: + + 2.75 percentage points. Other borrowers, including business concerns: + + 3.25 percentage points. PNB's current is 8.35% effective 8 October
printed present rates are retained, not recalculated.
₹10 lakh for super-bikes/hybrid two-wheelers with engine capacity 200 cc and above
₹1.50 lakh for other eligible two-wheelers.
Scooter/motorcycle: 60 months
scooterette: 30 months
moped: 24 months.
₹10,000 after all deductions, including the proposed instalment.
Value awaiting review
0.50% of loan amount
minimum ₹500 and maximum ₹1,000. Taxes/ are extra.
the scheme rate is fixed at disbursement and does not reset with .
₹50,000 to ₹3 lakh, also capped at six times net monthly income and the applicable / ratio
60 months
₹10,000 net monthly for salaried applicants and pensioners
₹1.5 lakh net annual for others
Value awaiting review
3.00% of loan amount plus
50% waiver for Salary Package customers.
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 Two Wheeler LoanBank of Baroda
