Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
New: up to 2% of loan amount
used: up to 3% of loan amount.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
Individuals and non-individuals: private/public limited companies, partnerships, proprietorships, co-operative societies, trusts and Hindu Undivided Families
subject to the selected Wheels route.
Up to 100% of the ex-showroom price net of discounts
insurance and registration are excluded. Final amount depends on product and customer profile.
6 months to 5 years (60 months)
tractor repayment may be quarterly or half-yearly under the common .
Up to 4% of loan amount for new and used two-wheelers.
₹0.65 per ₹1,000, or part thereof, charged daily on the overdue instalment.
no monthly interest payment is required, and payment is due at closure or maturity.
Starts at 9.50% p.a., effective 1 September 2026
this is a starting rate, not a maximum or an individual quotation.
Value awaiting review
Value awaiting review
Value awaiting review
For individuals engaged in agriculture or allied activity, including dairy, fishery, animal husbandry, poultry, bee-keeping and sericulture. Age 21–70 at application.
₹50,001–₹25,00,000.
6 or 11 months.
Up to 1% of the disbursement amount. The older 2023 Gold Loan Kit states 1% and says applies if applicable
the later schedule linked from the current Rates & Charges page does not specify tax on this row.
The later Gold Loan schedule linked from the current Rates & Charges page lists 3% of outstanding principal. The 2023 Gold Loan Kit says nil foreclosure on fixed-rate loans
the current product page does not state the rate type, and the linked 2026 could not be retrieved.
Bullet or regular repayment. Regular repayment may use upfront interest, monthly interest or
bullet repayment is due at maturity or foreclosure.
Starts at 9.50% p.a., effective 1 September 2026
this is a starting rate, not a maximum or an individual quotation.
Value awaiting review
Value awaiting review
Value awaiting review
Bullet repayment: 21–70 years at application. Regular repayment: 18–72 years at application.
₹10,000–₹25,00,000 for bullet repayment
₹10,000–₹80,00,000 for regular repayment.
Bullet repayment: 6 or 11 months. Regular repayment: 6–36 months.
Up to 1% of the disbursement amount. The older 2023 Gold Loan Kit states 1% and says applies if applicable
the later schedule linked from the current Rates & Charges page does not specify tax on this row.
The later Gold Loan schedule linked from the current Rates & Charges page lists 3% of outstanding principal. The 2023 Gold Loan Kit says nil foreclosure on fixed-rate loans
the current product page does not state the rate type, and the linked 2026 could not be retrieved.
Demand loan, term loan or overdraft secured against an eligible /e- certificate.
Demand/term: the higher of 1.00% over the rate or + Strategic Premium + 1.50% p.a. Overdraft: the higher of 1.25% over the rate or + Strategic Premium + 1.75% p.a. Staff: 0.50% over the rate. The page shows no effective rate (—).
The higher-of comparison uses the certificate rate or Bank of Baroda + Strategic Premium, with a different spread for demand/term and overdraft facilities.
Value awaiting review
Value awaiting review
Resident individuals aged 21 years or older
the must be issued by a post office or Bank of Baroda branch and pledged. Third-party advances are not permitted.
No ceiling
minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.
Value awaiting review
₹500 + .
The bank's schedule effective 1 April 2026 sets overdue-payment charges by priority-sector classification and sanctioned amount: priority-sector rows show Nil below ₹50,000, 1% p.a.above ₹50,000 but below ₹2 lakh, and 2% p.a.above ₹2 lakh
other-than-priority rows show Nil up to ₹10,000 and 2% p.a.above ₹10,000. It also lists 2% p.a. for specified overdue overdraft regularisation and sanction-condition breaches. Charges are for the actual default period
total penal charges are capped at 4% p.a. of outstanding credit facilities. The sanction determines which provisions apply.
Secured loan against investments, deposits or receivables
Demand/term 9.65% p.a.
overdraft 9.90% p.a. ( + +1.50% / +1.75%).
+ +1
Value awaiting review
Value awaiting review
Resident individuals aged 21 years and above
policies with premiums paid for at least 3 years are accepted, while whole-life and certain assigned policies are excluded.
No ceiling
the states up to 80%–85% of the policy surrender value. Minimum ₹3,000 for term/demand loan and ₹20,000 for overdraft.
Loan up to 60 months
overdraft 12 months subject to annual review.
₹500
no other charges
staff/ex-staff nil.
The bank's schedule effective 1 April 2026 sets overdue-payment charges by priority-sector classification and sanctioned amount: priority-sector rows show Nil below ₹50,000, 1% p.a.above ₹50,000 but below ₹2 lakh, and 2% p.a.above ₹2 lakh
other-than-priority rows show Nil up to ₹10,000 and 2% p.a.above ₹10,000. It also lists 2% p.a. for specified overdue overdraft regularisation and sanction-condition breaches. Charges are for the actual default period
total penal charges are capped at 4% p.a. of outstanding credit facilities. The sanction determines which provisions apply.
Secured loan against investments, deposits or receivables
Demand/term: higher of 1.00% above the rate or + Strategic Premium + 1.50% p.a.
overdraft: higher of 1.25% above the rate or + Strategic Premium + 1.75% p.a.
staff: 0.50% above the rate. The current effective-rate cells show a dash.
The formula compares the certificate rate with Bank of Baroda + Strategic Premium
the facility-specific spread is added to each alternative.
Value awaiting review
Value awaiting review
Resident individuals aged 21 years or older. The eligible must be pledged and Bank of Baroda's lien recorded with the issuing post office before disbursement
third-party advances are not permitted.
Public borrowers: no individual ceiling is stated. Staff: up to five times gross salary. Minimum facility: ₹3,000 for term/demand or ₹20,000 for overdraft.
Value awaiting review
₹500 + .
The bank's schedule effective 1 April 2026 sets overdue-payment charges by priority-sector classification and sanctioned amount: priority-sector rows show Nil below ₹50,000, 1% p.a.above ₹50,000 but below ₹2 lakh, and 2% p.a.above ₹2 lakh
other-than-priority rows show Nil up to ₹10,000 and 2% p.a.above ₹10,000. It also lists 2% p.a. for specified overdue overdraft regularisation and sanction-condition breaches. Charges are for the actual default period
total penal charges are capped at 4% p.a. of outstanding credit facilities. The sanction determines which provisions apply.
Secured loan against eligible Relief Bonds / Government Bonds
Demand/term 9.65% p.a.
overdraft 9.90% p.a. ( + +1.50% / +1.75%).
+ Strategic Premium + 1.50% p.a. for demand/term loans
+1.75% p.a. for overdrafts.
Value awaiting review
Value awaiting review
Resident individuals aged 21 years and above with eligible /Government of India bonds
third-party advances are not permitted and repayment capacity is assessed.
No ceiling. Minimum is ₹3,000 for a term/demand loan and ₹20,000 for overdraft
the says a government savings-bond advance can be up to 80%–85% of face value.
Loan repayment is up to 35 months
overdraft is subject to the facility terms and review.
₹500
no other charges
staff/ex-staff nil.
The bank's schedule effective 1 April 2026 sets overdue-payment charges by priority-sector classification and sanctioned amount: priority-sector rows show Nil below ₹50,000, 1% p.a.above ₹50,000 but below ₹2 lakh, and 2% p.a.above ₹2 lakh
other-than-priority rows show Nil up to ₹10,000 and 2% p.a.above ₹10,000. It also lists 2% p.a. for specified overdue overdraft regularisation and sanction-condition breaches. Charges are for the actual default period
total penal charges are capped at 4% p.a. of outstanding credit facilities. The sanction determines which provisions apply.
Reverse mortgage loan that provides a cash-flow stream to an Indian senior citizen against a mortgage of the borrower's self-occupied residential property
the borrower continues to occupy the home while the bank pays the agreed annuity or other published payout.
+ Strategic Premium + 2.35% spread. The page's 0.00% effective-rate widget is not a published customer rate and is not treated as .
+ Strategic Premium + 2
Value awaiting review
Value awaiting review
Indian senior citizen above 60 years. Joint borrowers are allowed when one spouse is above 60 and the other is at least 55 at application. The borrower must own a residential house or flat in India in their own name and use it as a fully self-occupied permanent primary residence.
Maximum loan amount including interest over the loan tenure is ₹1 crore, subject to the value of the property.
15 years
the tenure may be extended until the borrowers' survival subject to advance property value.
0.20% of the loan amount, ₹8,500 upfront minimum and ₹10,000 maximum, excluding .
1% plus of the outstanding amount for a fixed-rate Baroda Ashray loan.
Pre-owned car loan for used passenger vehicles purchased through approved certified pre-owned car dealers of OEMs.
Floating: the current retail-rate schedule states 10.65%–13.40% p.a. on + Strategic Premium + 2.50%–5.25%
the dedicated pre-owned-car page still states 10.20%–12.95% p.a. for the same spread. Fixed: 11.90%–14.65% p.a. on 1-year + Strategic Premium + 2.90%–5.65%. The official pages also differ on the Group Credit Life Insurance loading
confirm the applicable rate with Bank of Baroda before applying.
+ applicable spread
the retail-loan table identifies -linked pricing for these vehicle-loan rows.
Value awaiting review
Salaried employees and pensioners: ₹2.50 lakh and above. Businessmen, professionals, directors and agriculture/allied applicants: ₹3.00 lakh and above.
Resident Indian individuals, including salaried employees, pensioners, self-employed professionals, businessmen, private/public-company directors and persons in agriculture/allied activities. Minimum age 21
maximum age 70 at the end of repayment. Minimum CIBIL score 701
score −1 may also be considered. Existing customers with a -compliant account for at least six months may not need fresh .
The lowest of 75% of latest market value, 75% of agreement/invoice value, or 100% of insured declared value ().
Maximum 60 months
repayment period plus vehicle age from the original invoice date must not exceed 96 months.
0.50% of loan amount plus
minimum ₹2,500 plus and maximum ₹10,000 plus .
Floating rate: nil. Fixed rate: nil part-payment up to cumulative ₹40,000 within the first 2 years and nil after 2 years
2% plus applies to the entire prepaid amount when the ₹40,000 threshold is exceeded in the first 2 years or when the account is closed within the first 2 years.
floating rate: 7.60%–11.30% p.a. Floating pricing is − 0.30% to + Strategic Premium + 3.15%
the applicable rate depends on bureau score and scheme terms.
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.
Value awaiting review
Value awaiting review
Salaried employees, businessmen, professionals, farmers, eligible companies/firms and / may apply. Borrower minimum age: 21 years
co-applicant: 18 years. Applicant, co-applicant or guarantor must be no older than 70 years at loan end. The page publishes the separate repayment-capacity bands in the key-facts table.
Up to 90% of the on-road price. The page’s amount caps conflict: Features says ₹5 crore for private-use vehicles
says ₹3 crore for individuals and ₹5 crore for non-individuals
says ₹2 crore for individuals and ₹5 crore for non-individuals. Confirm the individual cap with the bank before relying on it.
Up to 84 months
minimum 37 months for a fixed-rate car loan.
₹1,500 + up to ₹10 lakh
₹2,000 + above ₹10 lakh
Floating-rate individual borrowers: nil. Fixed-rate loans: nil part payment up to ₹40,000 within the first two years and nil after two years
Floating rate for the new-car row: 7.60%–11.30% p.a.
the applicable slab is based on the applicant/co-applicant score. The / page also states a 0.25% concession for existing Bank of Baroda home-loan borrowers with a good repayment record and no overdue.
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.
Value awaiting review
No fixed minimum income amount is stated. Salaried applicants are assessed using 24 times average gross monthly income from the last 3 months
other applicants use 4 times average gross annual income from the last 2 years. The page also publishes bands of 60%–80% for salaried applicants and 60%/80% by average annual-income band for others.
Salaried employees, businessmen, professionals, directors of private/public limited companies, proprietors, partners and eligible corporates/trusts
₹1 crore for all categories
84 months
Car Loan and Digital Car Loan: ₹1,500 + for a loan up to ₹10 lakh, or ₹2,000 + above ₹10 lakh. Direct Car Loan: ₹1,000 +
Yoddha customers: nil
State/Central/ employees: ₹500 + . The schedule is the unified processing-charge source linked by the car page and applies to the named car-loan variants.
/ commercial-real-estate home finance. Bank of Baroda says a third dwelling unit onward, or purchase of a plot, is treated as exposure when an individual already owns two or more houses singly or jointly.
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.
Value awaiting review
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.
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.
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.
Digital education loan for Indian students admitted to a full-time course at a listed premier institution in India
eligible expenses include tuition, hostel, examination/laboratory/library fees, books/equipment, deposits, insurance and required study/project work.
7.90% plus spread: 6.85% for Top 5 IIMs, 6.90% for , 7.20% for A, 8.50% for B and 8.70% for C (calculated). page conflicts: 7.60% headline and 0.00% in each effective-rate cell
confirm the applicable rate with the Bank.
7.90% p.a., effective 6 December 2025
retail-rate page states repo 5.25% plus 2.65% spread.
Value awaiting review
Value awaiting review
Indian students admitted to a full-time course at a listed premier institute in India. Student age: up to 40 when availing the loan. Co-applicant, where required: age 21–58 if salaried or 21–65 if non-salaried
waived for listed pre-approved institutes. Bureau-score cut-off: 701 or −1.
List ₹40 lakh
List A ₹30 lakh
List B ₹15 lakh
List C ₹10 lakh
subject to need-based finance and future repayment capacity
Course period plus one year
Nil unified processing charges
1% p.a. on default amount for loans up to ₹2 lakh
2% p.a.above ₹2 lakh
separate charges may apply for document/security non-compliance
Digital personal loan for any purpose other than speculation
paperless application and direct disbursement to the account.
+ +3.50% to + +8.85%, based on and internal score
effective rate 12.40% to 17.75%.
: 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.
Value awaiting review
Value awaiting review
Salaried individuals and self-employed professionals, insurance agents and business persons may apply. and self-help groups are not eligible
co-applicants are not allowed. Minimum age is 21 years
maximum age at the end of the tenor is 58 for salaried and 65 for self-employed applicants.
Floating spreads from −1.05% for the top 10 IIMs/IITs to +0.50% for list C institutions
fixed spreads vary by category and amount.
spreads from −1
Value awaiting review
Value awaiting review
Resident Indian, admitted to a listed premier-institution executive development programme in India and gainfully employed throughout the study period.
Up to ₹20 lakh.
Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans
maximum 10–15 years after the moratorium.
Nil for all cases
₹7,500 per mortgaged property for advocate and valuer charges.
For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover
where there is more than one account, the charge is calculated separately for each account.
B/C rates vary by ₹7.50 lakh slab and 100% security.
spreads: −1
Value awaiting review
Value awaiting review
Indian national admitted to a full-time regular professional or technical course at an institution in the current /A/B/C list through entrance test or merit-based selection.
with collateral, up to ₹80 lakh. Sanction is need-based and subject to future repayment capacity.
Up to 120 instalments after the moratorium for loans up to ₹7.5 lakh
up to 180 instalments for higher amounts.
Study in India: nil. Study abroad: 1% capped at ₹10,000, refundable on first disbursement. Advocate/valuer charges: ₹8,500 per mortgaged property.
For a fixed-rate education loan, prepayment from the borrower’s own source is nil. A takeover by another lender attracts 0.50% of the outstanding amount at takeover
where there is more than one account, the charge is calculated separately for each account.
Floating: + 2.00%up to ₹7.50 lakh and + 2.35%above ₹7.50 lakh. Fixed: Base Rate + 2.00%up to ₹7.50 lakh (effective 11.45% p.a.) and + 4.35%above ₹7.50 lakh (effective 12.25% p.a.).
+ 2
Value awaiting review
Value awaiting review
Indian national with admission to a professional or technical course abroad through entrance-test or merit-based selection
the route requires employment during the course.
Maximum ₹80 lakh for the -abroad product.
Repayable in maximum 10–15 years after the moratorium
for loans up to ₹7.50 lakh the cap is moratorium plus 120 instalments, and above ₹7.50 lakh it is moratorium plus 180 instalments. For the -abroad variant, the moratorium is the course period plus three months.
1% of loan amount capped at ₹10,000, recovered upfront and refundable on first disbursement
₹7,500 per mortgaged property for advocate/valuer charges.
Borrower's own source: nil. Takeover by another lender: 0.50% of the outstanding amount at takeover
for more than one account, calculated separately for each account.
Additional top-up loan facility over an existing home loan
available as a flexi/top-up facility.
Applicable rate on the linked home loan at top-up availment based on , plus Strategic Premium 0.25% and 0.60%.
, plus Strategic Premium 0
Value awaiting review
No fixed minimum income threshold is stated. Published repayment-capacity bands: net monthly salary below ₹25,000 allows up to 40% deductions
₹25,000–₹50,000up to 60%
₹50,000–₹1,00,000up to 65%
₹1,00,000–₹2,00,000up to 70%
₹2,00,000 or moreup to 75%. Other applicants: average net annual income up to ₹6,00,000 allows 70%, above ₹6,00,000 allows 80%.
Applicant must already have a standard-asset Baroda home loan. Published eligible borrowers include / and staff or ex-staff under public or staff housing loans.
Minimum ₹1 lakh and maximum ₹10 crore.
Up to the age-based eligible period, irrespective of linked home-loan tenure. begins one month after first disbursement.
0.35%, minimum ₹5,000 and maximum ₹12,500
charges exclude .
Top-up repayment can continue to its sanctioned tenure after linked home-loan closure, but no fresh or enhanced top-up is sanctioned afterward. Existing erstwhile AAA top-up must close within 4 years after linked-loan pre-closure.
Education loan for recognised graduation, post-graduation, professional and other approved courses in India
finance is disbursed in stages to the institution or approved vendors.
Floating: +2.00%up to ₹7.50 lakh, +1.90%above ₹7.50 lakh, and +1.10% for the Baroda Yoddha defence-child concession. Fixed: Base Rate +2.00%up to ₹7.50 lakh
+3.90%above ₹7.50 lakh
for the defence-child concession, Base Rate +2.00%up to ₹7.50 lakh and +3.10% above it. The page also publishes a 0.50% female-student concession and a further 0.50% medical-course concession
a 0.10% risk premium applies above ₹7.50 lakh where the borrower does not take group credit-life/life cover.
+2
Value awaiting review
Value awaiting review
Indian-national students admitted to recognised graduation, postgraduate, professional, approved vocational, specialist or other eligible courses in India
specified // cases studying in India are included. Eligible courses include engineering, medical, agriculture, veterinary, law, dental, management, architecture, computer, //, IIM/IIT/IISc/XLRI/NIFT programmes, approved pilot/shipping training, evening courses and approved degree/diploma programmes. Parent/co-applicant income and future repayment capacity are assessed.
₹1.25 crore for medical and aviation courses
₹25 lakh for other courses.
Up to 120 instalments after the moratorium for loans up to ₹7.50 lakh and up to 180 instalments for larger loans
maximum 10–15 years after the moratorium.
Nil up to ₹7.50 lakh
above ₹7.50 lakh, 1% of loan amount capped at ₹10,000 + applicable
₹8,500 per mortgaged property for advocate/valuer charges.
Fixed-rate loan: nil when prepaid from the borrower's own source
0.50% of outstanding when taken over by another lender.
/ Home Improvement Loan and / Home Loan Max Savings: floating rate linked to the bank's one-year , ranging from one-year to one-year +1.00%, reset annually and set with reference to applicant/co-applicant . The current one-year is 8.75% effective 12 August 2026, giving a published reference range of 8.75%–9.75% p.a.
and reset annually
-linked range is from one-year to one-year +1%
Value awaiting review
Income-counted applicants need a reputed overseas job and valid contract/work permit for at least 2 years, or overseas employment/self-employment/business for at least 2 years
minimum gross annual income ₹5 lakh, including combined income where applicable.
with Indian passports, with foreign passports and are eligible, singly or jointly
are not eligible. Applicants considered for income must have at least two years of overseas work/business and minimum gross annual income equivalent to ₹5 lakh. Maximum tenure is 30 years, with up to 36 months moratorium.
Value awaiting review
Mumbai ₹10 crore
other metros ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore, subject to income, repayment capacity and /margin.
Maximum 30 years including maximum 36-month moratorium
under-construction properties receive 18 months up to the seventh floor plus 6 months per floor thereafter, capped at 36 months.
Processing, documentation, verification/vetting, pre-sanction CPV, one-time post-inspection, legal, valuation, bureau, CERSAI and -verification charges are included
current charges are linked from the official service-charge page.
home loan for purchase or construction of a house/flat, purchase of a residential plot, plot plus construction, takeover from another lender, extension/additional construction and reimbursement of construction expenses from own sources.
Fixed-rate option withdrawn from 1 July 2010. Floating interest is charged on a daily reducing balance at monthly rests, linked to the bank's one-year and reset annually
the -linked range runs from one-year to one-year +1%, subject to revision.
One-year , reset annually
-linked pricing ranges from one-year to one-year +1%.
Value awaiting review
Minimum gross annual income equivalent to ₹5 lakh for applicant/co-applicants whose income is considered
combined income may be used where an applicant/co-applicant is included.
holding Indian passports, holding foreign passports and
individuals may apply singly or jointly
are not eligible. Income-counted applicants need at least two years of qualifying overseas employment/business and minimum gross annual income equivalent to ₹5 lakh.
Mumbai: ₹10 crore
other metros: ₹5 crore
urban areas: ₹3 crore
semi-urban/rural areas: ₹1 crore, subject to income, repayment capacity and /margin norms.
Maximum 30 years including a maximum 36-month moratorium
under-construction homes up to the seventh floor receive 18 months, with six additional months per floor thereafter subject to the 36-month cap.
Baroda Home Loan and Home Improvement Loan: up to ₹50 lakh, 0.50% of loan amount with minimum ₹8,500 and maximum ₹15,000
above ₹50 lakh, 0.25% with minimum ₹8,500 and maximum ₹25,000. Charges are unified and exclude
takeover is a flat ₹8,500 upfront. This schedule applies to the / home and home-improvement variants.
Home loan for eligible , and , linked to a Bank of Baroda savings-bank account.
The / page publishes floating pricing from one-year to one-year +1.00% p.a., with annual reset and daily-reducing balance/monthly rests. The shared Max Savings page publishes a separate schedule
because the Bank does not state a conversion rule for this variant, that shared schedule is preserved as a non-controlling conflict rather than blended into this value.
One-year with annual reset
-linked pricing ranges from one-year to one-year +1%. The shared Max Savings schedule is retained as a separate general-page conflict, not as the variant's benchmark.
Value awaiting review
₹5 lakh equivalent per year for income-counted applicant(s)
where an is counted, the Bank says combined applicant/co-applicant income can meet this threshold.
Individuals may apply singly or jointly
are excluded. Counted // income applicants must meet the Bank's published overseas work/residence test (at least 2 years) and ₹5 lakh gross annual-income rule. / definitions and nationality exclusions apply.
Mumbai: ₹10 crore
other metros: ₹5 crore
urban: ₹3 crore
semi-urban/rural: ₹1 crore, subject to income, repayment capacity and /margin norms. The shared Max Savings page has a different general schedule
that separate conflict is preserved in the comparison table and is not applied to this variant.
Up to 30 years initially, including a maximum 36-month moratorium. For under-construction homes up to the 7th floor: 18 months
add 6 months per additional floor, capped at 36 months.
Baroda Home Loan and Home Improvement Loan tariff: up to ₹50 lakh, 0.50% of loan amount with minimum ₹8,500 and maximum ₹15,000
above ₹50 lakh, 0.25% with minimum ₹8,500 and maximum ₹25,000. Takeover is a flat ₹8,500 upfront. Charges are exclusive of
the tariff says the unified charge includes inspection, valuation and legal fees.
Nil on the / product page. That page also says its fixed-rate option was withdrawn from 1 July 2010
the current service-charge page's separate 0.50% takeover row is expressly for fixed-rate retail loans and is not assigned to this floating offer.
For Baroda Home Loan to non-staff members, the linked current rate table publishes floating pricing of −0.70% to +1.05%
with 7.90% effective 6 December 2025, that calculates to 7.20%–8.95% p.a. The applicable borrower rate depends on loan limit, score and risk pricing.
Bank of Baroda states applies to retail lending
the current rate page lists 7.90% (repo 5.25% plus markup/base spread 2.65%) effective 6 December 2025 and one-year8.75% effective 12 August 2026. The takeover page's linked floating table is -based.
Value awaiting review
No fixed minimum income amount is stated for the takeover scheme. The page instead publishes net-income repayment-capacity bands: 40%–75% for salaried applicants by monthly income and 70%/80% for other applicants by average net annual income.
Resident Indians, // and eligible staff may transfer an eligible home loan from a bank, , or financial institution. Individuals need CIBIL 701 or higher, a completed prior-lender moratorium, at least 12 paid and satisfactory repayment. Non-individual applicants require an individual applicant/co-applicant, at least 18 paid, an entity incorporated for 5+ years and active and cash-profitable for the last 2 years, positive net worth, no SMA 2 classification in the prior 12 months, satisfactory and no adverse listing in the specified , ECGC, or CRILIC records.
Mumbai ₹20 crore
other metros ₹5 crore
Hyderabad, New Delhi and Bengaluru ₹7.50 crore
urban ₹3 crore
semi-urban/rural ₹1 crore
Chandigarh/Panchkula/Mohali ₹5 crore.
Maximum 30 years initially, including a maximum moratorium of 36 months.
Takeover: flat ₹8,500. Baroda Home Loan all variants: up to ₹50 lakh, 0.50% with minimum ₹8,500 and maximum ₹15,000
above ₹50 lakh, 0.25% with minimum ₹8,500 and maximum ₹25,000. Top-up: 0.35% with minimum ₹5,000 and maximum ₹12,500. Charges exclude .
The product page states no prepayment penalty and no pre-closure charges
borrowers may prepay in part or full from own sources.
8.90%–10.40% p.a., based on borrower rating ( plus the applicable strategic-premium spread).
plus a borrower-rating-based strategic premium spread
the published effective range is 8.90%–10.40% p.a.
Value awaiting review
No minimum rupee income is published. The applicant must be a qualifying public/private company, partnership or incorporated in India for at least 5 years, active for the last 2 years and (for existing borrowers) have at least 6 months' relationship
the page instead sets a minimum loan amount of ₹1 crore and requires satisfactory rating/credit assessment.
Public limited company, private limited company, partnership firm or incorporated and registered in India.
The corporate states that the maximum is as per the Baroda Home Loan schedule
it publishes no separate corporate ceiling. The general Home Loan linked from the page states up to ₹10 crore per individual unit, subject to area and repayment capacity.
Fresh corporate loans: 15 years including the moratorium. Takeover loans: maximum period is the same as with the existing lender.
1% of sanctioned limit, minimum ₹8,500 and maximum ₹1,50,000.
2% penalty on the amount prepaid if partially or fully prepaid within 3 years
Linked personal-loan facility for eligible Baroda Home Loan borrowers to finance specified home-purchase costs.
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
Value awaiting review
Prospective Baroda Home Loan borrowers, including takeover cases, and existing borrowers under the Baroda Home Loan scheme.
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.
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.
Secured loan against investments, deposits or receivables
Up to 10 years: floating 10.15% or fixed 12.15% p.a.
above 10 years: floating 10.40% or fixed 12.40% p.a.
25-basis-point concession for premises leased to Bank of Baroda.
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.
Value awaiting review
No minimum rent or income amount is published. Eligibility is based on ownership of a commercial property leased to a reputed lessee, minimum CIBIL 650 for an individual or minimum -5 for a non-individual, assignment of future rent and repayment capacity.
Value awaiting review
The service-charge schedule identifies the retail Future Rent Receivables facility as covering loans up to ₹100 crore
the product page does not publish a separate universal sanction cap.
↑
Longer repayment period up to 15 years.
1.00% without cap, minimum ₹1,000
escrow ₹10,000 per yearup to ₹10 crore and ₹25,000 per yearabove ₹10 crore.
Fixed-rate Future Rent Receivables up to ₹100 crore: own source nil for individuals and 1% for non-individuals
takeover 0.50% for individuals and 1.50% for non-individuals.
Home loan linked to a Bank of Baroda savings account, where each end-of-day credit balance reduces the amount on which home-loan interest is calculated.
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.
Value awaiting review
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.
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.
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.
Collateral-free education loan for Indian students pursuing full-time medical courses in India who meet the published NEET-rank criteria.
7.20% for PMVLS/ Premier category institutions, 7.40% for category A and 7.90% for other institutions
pricing is linked to spreads.
spreads
Value awaiting review
Value awaiting review
Indian national pursuing a full-time medical course in India
current page publishes NEET rank up to 1,00,000 for undergraduate (UG) study or 51,000 for postgraduate (PG) study. Parent/guardian co-obligation and assignment of the student's future income are mandatory.
₹2 lakh minimum and ₹40 lakh maximum
margin is nil up to ₹4 lakh, 5%above ₹4 lakhup to ₹7.5 lakh, and nil above ₹7.5 lakh under the published table.
Up to 15 years after the course-period-plus-one-year moratorium
up to 120 instalments for loans up to ₹7.5 lakh and up to 180 instalmentsabove ₹7.5 lakh.
Nil processing fee
PMVLP charges ₹200 are listed separately.
For a fixed-rate Education Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant
the product pages do not state a separate floating-rate prepayment charge.
For tenor up to 120 months and facility up to ₹7.5 crore: + +0.75% to + +3.35%
effective 8.90% to 11.50%.
+ +0
Value awaiting review
Salaried/professional, self-employed, business person, agriculturist or other applicant engaged for at least 3 years
service break up to 3 months allowed
minimum average GAI of the last 3 years₹3 lakh.
holding an Indian passport with a regular overseas job/business, valid contract or work permit for at least 2 years and overseas residence for at least 2 years
minimum average GAI of the last 3 years₹5 lakh.
Entity established in its line of activity for at least 3 years, minimum audited turnover ₹1 crore and cash profit for the last 3 years
, trust, society and public limited companies are not eligible.
Value awaiting review
Metro ₹25 crore, urban ₹10 crore, semi-urban ₹5 crore and rural ₹25 lakh.
Term loan up to 180 months
overdraft is for 12 months subject to annual review.
Term loan: 1%, minimum ₹8,500 upfront per property and maximum ₹1,50,000. Overdraft up to ₹3 crore: 0.35%, minimum ₹8,500 and maximum ₹75,000
above ₹3 crore: 0.25%, minimum ₹8,500 and no maximum. Charges exclude .
2% within 12 months after initial sanction
nil after 12 months. For term loans, charges use the higher of scheduled amortisation balance or outstanding balance.
Unsecured personal loan for personal needs other than speculation
individual applications only and co-applicants are not allowed.
+ +2.50% to + +7.35%
effective 10.65% to 15.50%.
Floating pricing is linked to plus a -score-based spread
fixed pricing is linked to 1 Year plus a category and -score-based spread.
Value awaiting review
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.
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.
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.
Overdraft limit secured by approved dematerialised securities ()
9.40%–10.25% p.a., linked to /internal score
the published spread is + +1.25% to +2.10%.
spread is + +1
Value awaiting review
No minimum income amount is published. At least one applicant or co-applicant must be engaged in gainful activity and have a regular source of income
the page separately publishes a minimum facility of ₹1 lakh and a minimum CIBIL score of 701 (−1/0 also eligible).
Individuals resident or non-resident with a regular source of income and approved dematerialised securities
age 21–70 and minimum CIBIL 701, with −1/0 also eligible.
₹1 crore against equity shares
₹5 crore against equity mutual funds, debentures, bonds, sovereign gold bonds and debt mutual funds, in dematerialised form.
12 months for the overdraft limit, extendable after satisfactory conduct and review.
₹1,999 + at sanction and ₹499 + at annual review.
For a fixed-rate Advance Against Securities, the Bank of Baroda service-charge schedule publishes 1% + on the amount outstanding. The product page does not publish a different prepayment rule for .
Pre-approved home loan with in-principle sanction before property identification
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.
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.
Value awaiting review
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
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.
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.
₹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.
Education loan for students going abroad for professional or technical studies, including job-oriented graduation, post-graduation and approved certificate courses.
Floating: + 0.55% for listed premier institutions
+ 2.00%up to ₹7.50 lakh and + 1.05%above ₹7.50 lakh for non-premier institutions
+ 1.05% for the published defence-personnel row
Canada non-premier + 2.00%up to ₹7.50 lakh and + 2.55% above. Fixed: Base Rate + 2.00%up to ₹7.50 lakh and + 2.55% above for premier institutions
Base Rate + 2.00%up to ₹7.50 lakh and + 3.05% above for non-premier institutions. The page also publishes a 0.20% concession for a girl child only for non-premier institutions, not premier institutions. Interest during the holiday is charged at monthly rests
overdue amounts above ₹4 lakh attract penal interest of 2% p.a. The displayed 0.00% effective widgets are not .
The product is priced against the Bank of Baroda Repo Linked Lending Rate () for the published floating rows
the fixed table also uses Base Rate for loans up to ₹7.50 lakh and for higher bands.
Value awaiting review
Value awaiting review
Student must be going abroad for professional or technical studies and be admitted to the notified institution and course
admission may be through the listed entrance-test or merit-selection route. The says there is no specific age restriction for the student, and the loan can cover , and MS abroad.
Up to ₹1.50 crore for an institution in the listed Premier Institutions category and up to ₹60 lakh for an institution outside that list.
Repayable in maximum 10–15 years after the moratorium. The moratorium is the course period plus one year for the standard Baroda Scholar guideline
repayment is capped at 120 instalments for loans up to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
Nil processing charge up to ₹7.50 lakh. Above ₹7.50 lakh, 1% of the loan amount capped at ₹10,000
for premium institutions this charge is refunded on first disbursement. PMVLP charge is ₹200 for all cases. Where property is mortgaged, ₹8,500 per property is collected upfront for advocate/valuer charges
mortgage-creation charges are nil.
Nil when prepaid from the borrower's own source. For takeover by another lender, 0.50% of the outstanding amount at takeover
where there is more than one account, calculate the charge separately for each account.
Additional top-up facility for an existing Bank of Baroda home-loan borrower, secured by extending the mortgage over the residential property already mortgaged for that home loan. It may be used for any purpose except speculative or illegal purposes.
Applicable on the linked home loan + Strategic Premium + 0.50%. current retail-rate page also notes an additional 0.05% risk premium when the borrower does not obtain qualifying credit insurance
that premium may be waived when full-tenure credit insurance is provided. The applicable home-loan rate still depends on the linked loan's limit, risk and pricing.
The linked home-loan rate is the starting benchmark for this top-up. current retail-rate page publishes at 7.90% p.a. (effective 6 December 2025), with repo 5.25% plus 2.65% markup/base spread, and a 1-year reference of 8.75% (effective 12 September 2026). These are reference rates
they are not a customer-specific top-up offer rate.
Value awaiting review
No minimum income amount is published. This top-up is only for existing Bank of Baroda home-loan borrowers whose account conduct is good
repayment capacity is tested with total-deduction caps of 50%–75% by gross monthly income and 70%/80% by average gross annual income.
Existing Bank of Baroda home-loan borrowers whose account conduct is good.
Minimum ₹1 lakh
maximum ₹2 crore.
Maximum period up to the remaining period of the linked home loan.
0.35% of the loan amount, minimum ₹5,000 upfront and maximum ₹12,500, plus .
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.
Value awaiting review
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.
Up to ₹10 lakh for all categories.
Up to 60 months.
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.
School-education loan to a parent or guardian of a student studying from Nursery through Class XII at a recognised school, high school or junior college in India.
Floating benchmark-linked rate: + Strategic Premium + 3.10% for school study in India. The current retail schedule also publishes a fixed-rate row at + Strategic Premium + 5.10%. The page states a 0.50% female-student concession, interest serviced as applied during the moratorium and no penal charges. The current retail page lists at 7.90% from 6 December 2025
its 0.00% effective-rate cells are not treated as an all-in rate or .
Baroda Repo Linked Lending Rate (), with Strategic Premium () applied in the published formula. The retail rate page states 7.90% w.e.f. 6 December 2025
rates reset under the bank's benchmark terms.
Value awaiting review
Applicant should be an Indian national residing in India. The student must have admission to a recognised school, high school or junior college (including CBSE, ICSE or a State Board) for Nursery–Class V, Class VI–VIII or Class IX–XII
approved evening courses are also listed. The loan is granted in the father or mother's name.
Maximum ₹4 lakh. Finance is need-based and subject to the parents' repayment capacity
the page does not publish a separate minimum amount.
Repayable after 12 months from first disbursement in 12 instalments.
Nil processing charge.
No penal charges during the moratorium/repayment arrangement published for Baroda Vidya.
The Yoddha page links to the current Baroda Car Loan schedule. New-car fixed rate: 8.50%–11.20% p.a.
floating rate: 7.60%–11.30% p.a. ( − 0.30% to + Strategic Premium + 3.15%). The applicable rate is - and scheme-dependent
the Yoddha page does not publish a separate defence-only numeric rate.
current retail page publishes at 7.90% p.a. (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025, and 1-year at 8.75% effective 12 September 2026. These are reference rates, not a customer-specific Yoddha quote.
Value awaiting review
No fixed minimum income amount is published. The actual repayment-capacity rule is numerical: salaried/pensioner below ₹50,000 allows total deductions including the proposed up to 60%
₹50,000–below ₹1,50,000up to 70%
₹1,50,000 or moreup to 80%
the last three months' is considered.
Serving or retired personnel of the Indian Army, Navy, Air Force, Coast Guard, Assam Rifles, , , , or
individuals may borrow singly or jointly as resident Indians. A close relative may co-apply for higher eligibility and the income-counted applicant/co-applicant must be employed, in business or in a profession.
Up to 90% of the on-road price, with uniform 10% margin
credit-life premium may take total up to 95%.
Up to 7 years.
Nil for Baroda Yoddha Loan customers. The generic linked Car Loan schedule otherwise lists ₹1,500 + up to ₹10 lakh and ₹2,000 + above ₹10 lakh.
Floating-rate: nil. Fixed-rate: 2% + on the prepaid amount above ₹40,000 during the first year.
Education loan for children/wards of defence personnel
all other Baroda education-loan guidelines remain unchanged.
Yoddha education pricing follows the corresponding Baroda education-loan variant. Premier India floating spreads are −1.05% (Top 10 IIMs/IITs), −0.70% (), −0.50% (A), 0.00% (B) and +0.50% (C). Fixed /A pricing is +1.40% to +2.00%
B/C use Base Rate +2.00%up to ₹7.50 lakh and +2.85%/+3.05% above that. The issuer's 0.00% effective-rate placeholders are not customer rates.
Current retail references: 7.90% p.a. (repo 5.25% + markup/base spread 2.65%), effective 6 December 2025
1-year 8.75%, effective 12 September 2026
base rate 9.45% effective 12 May 2025. These references are not a single final student rate.
Value awaiting review
Value awaiting review
Children/wards of defence personnel
all other education-loan guidelines remain unchanged.
Up to ₹125 lakh for studies in India and ₹150 lakh for overseas studies.
The Yoddha page says all other education-loan guidelines remain unchanged
the linked Baroda education-loan guideline therefore permits up to 10–15 years after the moratorium, with 120 instalmentsup to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
Study in India and premier institutions: nil. Study abroad: 1% of loan amount capped at ₹10,000, recovered upfront and refundable on first disbursement. Career development: 0.50%. Where property is mortgaged, ₹8,500 non-refundable advocate/valuer cost per property
mortgage creation charge nil.
For the linked fixed-rate education terms: nil when prepaid from the borrower's own source
0.50% of outstanding when taken over by another lender. Applicability can vary by the selected education variant and sanction terms.
Home loan for eligible serving/retired defence and central-force personnel, including construction or purchase housing finance under the published Home Loan route.
The Yoddha page links to current Baroda Home Loan pricing. Floating: −0.70% to +1.05%. Fixed: +1.00% to +2.05% for salaried and +1.10% to +2.05% for non-salaried. Pricing depends on loan limit and
a 0.05% risk premium applies where qualifying credit insurance is not obtained.
current retail references are 7.90% p.a. (repo 5.25% + markup/base spread 2.65%), effective 6 December 2025
1-year 8.75%, effective 12 September 2026
base rate 9.45% effective 12 May 2025. The Yoddha Home Loan says its rate is -linked and reset monthly.
Value awaiting review
Value awaiting review
Indian Army, Navy, Air Force, Coast Guard, Assam Rifles, , , , and personnel
serving employees and pensioned/engaged retirees. Income-counted applicants need at least 1 year salaried or 2 years non-salaried employment/business/profession
resident Indians may apply singly or jointly, with close-relative co-applicants.
Location-dependent ceiling: Mumbai ₹20 crore
Hyderabad, New Delhi and Bengaluru ₹7.50 crore
other metros ₹5 crore
Chandigarh/Panchkula/Mohali ₹5 crore
urban areas ₹3 crore
semi-urban and rural areas ₹1 crore.
Up to 30 years including a moratorium of up to 36 months. For under-construction homes, the page allows 18 months to the seventh floor plus six months per additional floor, capped at 36 months, or one month after completion/possession, whichever is earlier.
Nil processing fee for Baroda Yoddha Home Loan
₹8,500 out-of-pocket expenses per property. The linked Home Loan table states that listed charges exclude .
Pension loan for eligible Bank of Baroda defence pensioners and family pensioners, with digital and non-digital routes.
Digital: + + 2.75% (effective rate shown 10.90%)
non-digital: + + 3.25% (11.40%)
retired Bank of Baroda/family pensioners: + + 0.60% (8.75%).
(Baroda Repo Linked Lending Rate) plus Strategic Premium ()
current retail is 7.90% p.a. effective 6 December 2025 (repo 5.25% + markup/base spread 2.65%).
Value awaiting review
Value awaiting review
Defence pensioners/family pensioners drawing pension through a Bank of Baroda branch, or receiving Treasury/DPDO pension into a Bank of Baroda savings account. Pension must have been credited through the branch for at least 3 months with satisfactory account conduct
applications are individual only and co-applicants are not allowed.
Regular pensioners: up to ₹8 lakh up to age 70 and ₹5 lakh above age 70. Family pensioners: up to ₹3 lakh up to age 70 and ₹1.50 lakh above age 70.
60 months for borrowers up to age 70
36 months for borrowers above age 70.
Bank of Baroda pensioners/family pensioners: nil
other pensioners: ₹1,000 plus .
No foreclosure charges are published. Penal interest of 2% on the outstanding loan amount is separate.
the financed vehicle is hypothecated to Bank of Baroda.
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.
Up to ₹10,00,000 for all categories.
Maximum repayment period: 60 months.
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.
Digital car loan for new passenger cars, , and electric cars for private use
Fixed new-car rate 8.50%–9.35% p.a.
floating new-car rate 7.60%–8.75% p.a. (-linked). GCLI changes the applicable rate as stated on the page.
-linked)
Value awaiting review
No fixed minimum rupee income is published. For salaried applicants, maximum total deductions are 65%below ₹50,000 net monthly income, 75%from ₹50,000 to below ₹1.50 lakh, and 85%above ₹1.50 lakh. For self-employed applicants, the bands are 60%below ₹6 lakh gross annual income and 80% at ₹6 lakh and above.
Value awaiting review
₹50 lakh in the
the separately states individual maximum ₹200 lakh and non-individual maximum ₹500 lakh
12 to 84 months
fixed-rate minimum period 37 months
₹1,500 + up to ₹10 lakh
₹2,000 + above ₹10 lakh
₹1,000 + under Baroda Direct Car Loan
nil for Baroda Yoddha
₹500 + for State/Central/ employees
nil when customer approaches the bank directly
Fixed-rate digital car loan follows the published car-loan rule: nil up to cumulative ₹40,000 within the first two years and after two years
Education loan for resident Indian students pursuing recognised environmental, social and governance (ESG) diploma, graduation or post-graduation courses.
For Vidyalakshmi/Baroda Gyan institutions: TOP 10 IIMs/IITs 7.10%, 7.45%, A 7.65%, B 8.15%, C 8.65%. Other institutions: +2.00%up to ₹7.50 lakh and +1.90%above ₹7.50 lakh.
+2
Value awaiting review
Value awaiting review
Resident Indian students admitted to /Government/-recognised diploma, graduation or post-graduation courses, including eligible ESG-focused programmes. Vidyalaxmi and Bank of Baroda premier-institute tiers receive separate pricing.
Maximum loan amount ₹25 lakh. Margin is nil up to ₹4 lakh, 5%above ₹4 lakh to ₹7.50 lakh and 10%above ₹7.50 lakh.
Course period plus one year moratorium
repayment maximum 120 instalmentsup to ₹7.50 lakh and 180 instalmentsabove ₹7.50 lakh.
Nil up to ₹7.50 lakh. Above ₹7.50 lakh: 1% of loan amount, maximum ₹10,000 plus , recovered upfront. Where property is mortgaged, ₹8,500 plus taxes is charged upfront for advocate and valuer expenses.
For a fixed-rate Education Loan: nil when prepaid from the borrower's own source
0.50% of the outstanding amount at takeover by another lender. If there is more than one account, the charge is calculated separately for each account. This published schedule applies to the fixed-rate loan variant
the product pages do not state a separate floating-rate prepayment charge.
Green-certified residential home loan for purchase or construction, completed units, and eligible renovation or improvement
standalone plot purchase is excluded.
10 bps (0.10 percentage point) concession on the applicable Home Loan rate, subject to the applicable floor. The current standard floating spreads produce base ranges of 7.20%–8.95% p.a. at 7.90%
final Green rates depend on the floor, loan limit and score. The Bank’s rate-page note says concessions apply to floating-rate facilities.
The applicable Baroda Home Loan rate and spread are used, with the 10 bps green-property concession applied subject to the scheme floor rate.
Value awaiting review
// applicants whose income is counted: combined gross annual income of at least ₹5 lakh. Resident applicants: assessed under the published repayment-capacity bands
the Bank does not give one fixed resident-income threshold.
Indian citizens, and , including salaried, self-employed professionals and businesspersons, who qualify under the existing Baroda Home Loan scheme
valid IGBC, GRIHA, LEED or other approved green certification is required
minimum age 21 and maximum age 60.
Location table: Mumbai up to ₹20 crore
Hyderabad, New Delhi-NCR and Bengaluru ₹7.5 crore
other metros and Chandigarh/Panchkula/Mohali ₹5 crore
urban areas ₹3 crore
semi-urban/rural ₹1 crore. The same Home Loan separately says maximum ₹10 crore per unit.
Up to 30 years, including the construction moratorium
the Home Loan says the term cannot go beyond retirement or age 65, whichever is earlier. Green-specific applicant age: 21–60 years.
50% concession on the applicable home-loan card-rate fee
any upfront fee remains payable under extant Bank of Baroda guidelines.
The linked Home Loan page states nil pre-closure charges. The current tariff separately states nil for fixed-rate prepayment from own funds and 0.50% of outstanding amount for takeover by another lender
Electric-vehicle auto loan for a new electric car (four-wheeler) for private use.
Fixed 8.50%–11.05% p.a. for a new electric vehicle. Floating 7.60%–11.15% p.a. ( −0.30% to + +3.00%). A 0.05% additional rate applies on each floating slab when an individual does not opt for Group Credit Life Insurance (GCLI)
a 0.05% concession is offered for opting in, subject to the published minimum rate of 8.65% on the fixed-rate note.
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.
Value awaiting review
Value awaiting review
Salaried employees
businessmen, professionals and farmers
directors of private/public limited companies, proprietors and partnership firms
corporate entities and firms including , trusts and societies
and /. Borrower minimum age is 21
co-applicant minimum age is 18
age at the end of repayment must not exceed 70.
Up to ₹5 crore for private-use vehicles: individual borrowers up to ₹3 crore and non-individual borrowers up to ₹5 crore. Finance is up to 90% of the on-road price, so the published margin is 10%.
Up to 84 months
salaried individuals with CIBIL 726 or above may receive up to 96 months. Fixed-rate minimum is 37 months.
₹750 + for a loan up to ₹10 lakh
₹1,000 + above ₹10 lakh. The benefits section describes a 50% concession in the applicable processing charge.
Floating-rate individual: nil. Floating-rate non-individual: 4% of outstanding within six months of disbursement, nil after six months. Fixed-rate: nil part-payment up to cumulative ₹40,000within two years and nil after two years
otherwise 2% + on the entire prepaid amount when the ₹40,000/two-year limit is exceeded or the account is closed within two years.
Digital personal loan available as demand loan or term loan.
Starting from 10.65% at present
fixed and floating rate regimes are available.
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.
Value awaiting review
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
₹50,000 to ₹15 lakh.
36 to 60 months.
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.
the all-in rate depends on the Strategic Premium applied.
1-year — 8.75% p.a. from 12 September 2026 — plus Strategic Premium.
Value awaiting review
Value awaiting review
Commission agents/Arthias functioning in markets or mandies, engaged in commission-based trade and debtor realisation, with a good market reputation, at least 2 years’ experience and a valid market-committee/government licence.
Minimum ₹25,000
maximum ₹1 crore for rural, semi-urban and urban branches and ₹2 crore for metro branches.
Value awaiting review
Value awaiting review
2% p.a. for a sanctioned temporary overdraft, excess or ad-hoc limit that remains unregularised after its due date
total penal charges are capped at 4% p.a. of outstanding credit facilities.
The page directs applicants to the retail-loan rate table. For the linked Baroda Home Loan non-staff floating band, −0.70% to +1.05% applies
with 7.90% effective 06 December 2025, that is 7.20%–8.95% p.a. The sanctioned rate remains subject to the eligible-loan category and borrower risk pricing.
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.
Value awaiting review
New / urban borrowers
household income up to ₹1 lakh a year and income ₹1,00,001–₹2 lakh a year, subject to government revision. Groups/housing societies need at least 20 eligible members.
New / urban borrowers
household income up to ₹1 lakh a year and income ₹1,00,001–₹2 lakh a year, subject to government revision. Groups/housing societies need at least 20 eligible members.
Housing loan up to ₹8 lakh per eligible borrower
the page also describes a unit size up to 430 sq ft (40 sq m) carpet area.
Guarantee cover runs for the agreed housing-loan tenure, capped at 25 years or the loan-termination date, whichever is earlier.
Linked retail home-loan schedule: 50% of the applicable charge with minimum ₹8,500 and maximum ₹15,000up to ₹50 lakh
25% with minimum ₹8,500 and maximum ₹25,000above ₹50 lakh. is extra
The product page does not state a separate prepayment or foreclosure amount. The linked Bank of Baroda fixed-rate home-loan schedule provides nil own-source prepayment and 0.50% on takeover by another lender, but the scheme page does not expressly confirm that fixed-rate schedule for
applicability should be confirmed in the sanction terms.
End-to-end digital two-wheeler loan for purchase of a new two-wheeler.
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
Value awaiting review
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.
₹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.
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.
Digital earned-salary advance / demand loan for permanent employees of the Rajasthan State Government.
11.50% per annum, fixed.
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.
Value awaiting review
Value awaiting review
Permanent employees of the Rajasthan State Government. The digital application requires a Rajasthan Government employee and employee code.
Minimum ₹10,000 and maximum ₹25 lakh. The maximum for each option is 50% of last-drawn net salary multiplied by the selected term: 1 month = 50% of last-drawn net salary
3 months = 50% × 3
24 months = 50% × 24, subject to the ₹25 lakh ceiling.
The page does not set one borrowing rate. It lists -plus-spread terms for Baroda Vidya, Baroda Gyan, premier-institution loans (Lists /A/B/C), Baroda Scholar, Executive Development, Digital Education Loan (Lists /A/B/C) and Skill Loan. The displayed 0.00% effective-rate widget is the page's subsidy-period display, not a separate or a rate to use for the underlying loan. After the moratorium, the borrower pays interest under the selected education-loan variant.
↓
Bank of Baroda's is 7.90% p.a., effective 6 December 2025 (repo rate 5.25% plus markup/base spread 2.65%). The rate table quotes underlying education-loan rates as plus or minus product-specific spreads
the subsidy scheme itself has no single borrowing rate.
Value awaiting review
Gross parental/family income from all sources must be up to ₹4.50 lakh per year
an authorised State/UT income certificate is obtained at sanction.
For -USP , the student must take an IBA Model Education Loan for an eligible technical or professional course in India and have gross parental/family income from all sources up to ₹4.50 lakh a year. The 2022 guideline names -accredited institutions, NBA-accredited programmes, Institutions of National Importance, CFTIs and courses approved by the relevant regulator. Another Central/State scholarship or fee reimbursement bars
the subsidy is generally limited to one undergraduate, postgraduate or integrated course, with a documented medical-discontinuation exception. The Ministry issued an updated eligible-course list on 25 February 2026, but its annexure could not be retrieved in this review
check the current official list for a course-specific decision.
For education loans taken from 1 April 2022, subsidises interest on principal up to ₹10 lakh. If the sanctioned education loan exceeds ₹10 lakh, subsidy still applies only up to ₹10 lakh
this is not the total loan limit.
Value awaiting review
Nil for the Education Loan — study in India row in the published tariff. The fee table is dated 20 June 2019, stated excluding , and the live page does not show a later effective date
says its standard schedule applies where no specific customer-level pricing or sanction overrides it.
+ 2.00% p.a.up to ₹7.50 lakh and + 1.75% p.a.above ₹7.50 lakh. A 1% concession may apply if interest is serviced during study and the moratorium.
+ 2
Value awaiting review
Value awaiting review
Students pursuing recognised diploma, degree or specified skill-development courses in Delhi who completed Class X and XII in Delhi, or children of employees/officials posted with the Government of of Delhi, and admitted through merit or entrance selection.
Need-based finance up to ₹10 lakh for studies in Delhi
ordinarily up to ₹7.5 lakh may be covered by the Government of India education guarantee route when its conditions are met.
Course period plus one year repayment holiday, followed by repayment in equal monthly instalments over 15 years for all categories. A course-completion extension of up to two years may be considered in the stated circumstances.
No processing charges may be levied under the scheme.
Nil. No prepayment penalty is levied at any time during the repayment period.
−0.70% to +1.05% for salaried and non-salaried non-staff applicants
rate depends on loan limit and score. The page displays effective rate as 0.00%.
Floating rate linked to and reset monthly.
Value awaiting review
Resident and non-resident individuals may apply, salaried or self-employed, singly or jointly
are not eligible. Resident income applicants need at least one year of salaried service or two years of non-salaried business/profession. // income applicants generally need two years overseas employment/business and gross annual income equivalent to ₹5 lakh.
Value awaiting review
Up to ₹50 lakh subject to eligibility.
Up to 15 years including the moratorium.
Up to ₹50 lakh: 0.50% of loan amount, minimum ₹8,500 and maximum ₹15,000
above ₹50 lakh: 0.25%, minimum ₹8,500 and maximum ₹25,000
takeover flat ₹8,500. Charges exclude and include inspection, valuation and legal fees.
The product follows the home-loan scheme’s no-prepayment-penalty treatment.
7.20%–8.95% p.a. at 7.90% ( −0.70% to +1.05%) for salaried and non-salaried non-staff applicants
varies by loan limit and score.
Interest is linked to the Bank of Baroda Repo Linked Lending Rate (), reset monthly, and charged on a daily reducing balance.
Value awaiting review
Income-counted applicants must be employed for at least 1 year if salaried or engaged in business/profession for at least 2 years
a service break up to 3 months may be allowed.
Resident Indians, with an Indian passport, with a foreign passport and
minimum borrower age 21, co-applicant 18
maximum age 70
salaried applicants generally need one year of employment and business/profession applicants two years.
Location table: Mumbai ₹20 crore
Hyderabad, New Delhi/NCR and Bengaluru ₹7.50 crore
other metros and Chandigarh tri-city ₹5 crore
urban ₹3 crore
semi-urban/rural ₹1 crore. The same page separately says ₹10 crore per unit—a conflict to confirm with Bank of Baroda.
A residential property loan with up to 30-year repayment, up to 36 months' moratorium, -linked monthly resets and location-dependent maximum amounts.
Flexi loan over home security: 0.35%, minimum ₹5,000 and maximum ₹12,500. Yoddha home loan: nil with ₹8,500 out-of-pocket per property. Government employees: nil for non-/DST leads
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.
Value awaiting review
Applicant annual income up to ₹9 lakh
a regular income source and at least 12 months of Bank-account or transaction history are required.
Minimum age 21 and maximum age 60
applicant may own no home or one home, must self-declare it, and the house carpet area is up to 60 sq m in an urban or metro centre.
Metro centres: ₹35 lakh with maximum project cost ₹45 lakh. Other centres: ₹25 lakh with maximum project cost ₹30 lakh. Home improvement: ₹10 lakh metro and ₹6 lakh other centres.
The page's home-loan states a maximum home-loan term of 30 years, ending no later than retirement or age 65, whichever is earlier
it does not publish a separate //-specific term.
Processing charge is stated as nil
legal and valuation out-of-pocket expenses are recovered at actual cost capped at ₹5,000 plus .
Part or full prepayment from the borrower’s own sources is permitted. The reviewed // page does not state a percentage or rupee prepayment charge for this scheme
applicable Bank of Baroda home-loan rules and the sanction terms govern any charge.
No minimum income amount is published. The product and eligibility text require an adult individual engaged in gainful activity with a Bank of Baroda savings/current account and Demat account
the loan is capped at ₹10 lakh and is available only at selected branches.
Adult individuals engaged in gainful activity with a Bank of Baroda savings/current account and Demat account. The facility is available only at selected branches
applications may be submitted through a branch, Internet Banking or bob World.
Maximum loan amount ₹10 lakh. Margin is 50% of issue price including premium or bid price.
Loan period is 90 days
the official benefits section also describes repayment within 90 days and a loan-continuation option.
₹300, excluding (service charge effective 20 June 2019).
Loan or overdraft against an (B) foreign-currency deposit, disbursed in non-repatriable Indian rupees.
Own depositor: 9.75% p.a. reference rate. Third party: up to ₹2 lakh, 9.75%
above ₹2 lakh, 11.75% for personal use or 12.75% for business use. Calculated from the published spreads using 1-year of 8.75% effective 12 September 2026
these are reference calculations, not a borrower-specific quote.
1-year
8.75% p.a. effective 12 September 2026 for -linked retail loans. The Bank also retains a separate (B) Base Rate schedule dated 19 July 2010
confirm the linked benchmark for an existing facility.
Value awaiting review
Value awaiting review
The depositor may borrow against their (B) deposit or request an advance for a resident or non-resident third party.
Depositor's own advance: up to 90% of present deposit value, with no separate amount ceiling stated. Third-party advance: up to 80% of present deposit value or ₹1 crore, whichever is lower.
Mortgage term loan or demand loan for eligible against property
speculative purposes and /trusts/public limited companies are excluded.
For Baroda Mortgage Loan individuals, the current floating rate is 8.90%–11.50% p.a. ( + strategic premium + 0.75% to 3.35%), subject to risk rating. The retail rate page notes additional pricing for tenor above 120 months, limits above ₹7.50 crore and overdraft facilities
the product page itself permits term loan or demand loan only.
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.
Value awaiting review
Minimum gross annual income (average of the last three years) ₹5 lakh, including eligible co-applicant income.
Value awaiting review
Minimum ₹2 lakh
maximum ₹10 crore at metro branches, ₹5 crore urban, ₹3 crore semi-urban and ₹25 lakh rural.
Term loan: 120 months
overdraft: 12 months, subject to annual review.
Term loan: 1% of loan amount, maximum ₹1,50,000 and minimum ₹7,500 upfront
overdraft up to ₹3 crore: 0.35% capped at ₹75,000
above ₹3 crore: 0.25% without a maximum, with ₹7,500 upfront minimum.
For an individual Mortgage Loan, the fixed-rate home/mortgage schedule publishes nil own-source prepayment and 0.50% of outstanding at takeover by another lender. The product page does not publish a separate conflicting rule
floating-rate accounts remain subject to the applicable sanction terms.
business finance is available as a term/demand loan or a working-capital facility for eligible non-farm micro and small enterprises.
The current page says is as applicable to the sector. The Bank of Baroda matrix publishes + for micro limits up to ₹50,000, + + 2.00%above ₹50,000 to ₹2 lakh, and + + 2.20%above ₹2 lakh to ₹10 lakh
Tarun Plus above ₹10 lakh is governed by the applicable current pricing band. is 7.90% p.a. w.e.f. 6 December 2025, so the final rate remains limit- and borrower-dependent.
Mudra Loan pricing is not tied to a single external benchmark in the reviewed product page. Bank of Baroda states that the rate is as applicable to its -sector pricing mechanism and may be revised
no fixed benchmark or universal rate is published.
Value awaiting review
No minimum income amount is published. eligibility is based on a non-farm micro or small enterprise engaged in income-generating manufacturing, trading, services or allied agriculture, with credit needs up to ₹20 lakh
the page explicitly says there is no minimum loan amount.
Non-farm micro or small enterprises engaged in income-generating manufacturing, trading or services
collateral is not required, while assets created from finance are hypothecated and coverage is noted.
Up to ₹20 lakh: Shishu up to ₹50,000
Kishore ₹50,001–₹5 lakh
Tarun ₹5,00,001–₹10 lakh
Tarun Plus ₹10,00,001–₹20 lakh for borrowers who repaid a Tarun loan.
Term/demand facility up to 84 months with suitable moratorium and annual review
working-capital facility 12 months subject to annual review.
Composite solar-rooftop loan under -Surya Ghar Yojana
5.75% p.a. at present for a loan up to ₹2 lakh
above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.
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.
Value awaiting review
No minimum rupee income is published. For the -Surya Ghar loan above ₹2 lakh, income documents and at least 1 year of salaried employment or 2 years of non-salaried business/profession are required
up to ₹2 lakh, the scheme requires no income documents and waives the vintage condition.
Resident individuals, singly or jointly, salaried or earning from business/profession/agriculture, who own the residential property or terrace rights. Composite is for borrowers taking a fresh Bank of Baroda home loan
standalone is the solar-only facility.
Composite: ₹50,000 minimum to ₹6 lakh maximum. Standalone: up to ₹6 lakh. Financing is up to 90% of project cost.
Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.
Nil irrespective of loan amount under the scheme
applicable State Government stamp duty is extra.
No foreclosure charges are published for either -Surya Ghar variant. The official scheme page explicitly lists “No Foreclosure Charges”
Standalone solar-rooftop loan under -Surya Ghar Yojana
5.75% p.a. at present for a loan up to ₹2 lakh
above ₹2 lakh and up to ₹6 lakh, Baroda Home Loan pricing applies and is presently starting from 7.90% p.a. linked to score. Fixed and floating options are available.
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.
Value awaiting review
No minimum rupee income is published. For the -Surya Ghar loan above ₹2 lakh, income documents and at least 1 year of salaried employment or 2 years of non-salaried business/profession are required
up to ₹2 lakh, the scheme requires no income documents and waives the vintage condition.
Resident individuals, singly or jointly, salaried or earning from business/profession/agriculture, who own the residential property or terrace rights. Composite is for borrowers taking a fresh Bank of Baroda home loan
standalone is the solar-only facility.
Composite: ₹50,000 minimum to ₹6 lakh maximum. Standalone: up to ₹6 lakh. Financing is up to 90% of project cost.
Maximum 120 months. For loans up to ₹2,00,000, applicants above age 65 may be considered with a close-relative co-applicant and repayment before age 75.
Nil irrespective of loan amount under the scheme
applicable State Government stamp duty is extra.
No foreclosure charges are published for either -Surya Ghar variant. The official scheme page explicitly lists “No Foreclosure Charges”
Home loan under the -Urban 2.0 Interest Subsidy Scheme
Value awaiting review
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.
Value awaiting review
Annual household income up to ₹9 lakh across , and groups
the page does not publish a separate minimum income amount.
Resident Indian // households with annual income up to ₹9 lakh, no pucca house anywhere in India, no central/state housing-scheme benefit in the preceding 20 years, Aadhaar for all adult family members and female or joint property ownership as prescribed.
Education loan under the Pradhan Mantri Vidyalaxmi Scheme
the separate Bank of Baroda digital page is an integrated application route for this scheme.
Floating -linked rates by institute category: top 10 IIMs and top 10 IITs 6.85% ( −1.05%)
7.20% (−0.70%)
A 7.40% (−0.50%)
B 7.90% ()
C 8.40% (+0.50%). The digital page repeats the same spreads.
Vidyalaxmi uses Bank of Baroda Repo Linked Lending Rate (): 7.90% p.a., effective 6 December 2025, shown as the 5.25% repo rate plus a 2.65% markup/base spread. The bank's current page separately lists 1-year at 8.75% p.a. effective 12 September 2026
is a bank-wide reference, not the benchmark shown for this scheme's category spreads.
Value awaiting review
All family-income groups may apply for the loan
income affects separate subsidy eligibility.
Indian national admitted on merit to an eligible degree, postgraduate or diploma programme at a listed QHEI in India
current scheme page states 1,425 listed institutions. All family-income groups may apply
management-quota admission is not eligible.
100% finance
no fixed maximum cap is stated. The digital page says the amount is based on course and other fees charged by the QHEI.
Up to 15 years after the course period plus one-year moratorium.
Vidyalaxmi: nil (₹0) unified processing charges on current scheme page and nil processing fee on its integrated digital route. general Education Loan table separately lists Study in India, premier-institution study in India and vocational education as nil
it lists study abroad at 1% of the loan (maximum ₹10,000), recovered upfront and refundable at first disbursement, and Career Development at 0.50%. The domestic/abroad categories are not substituted for this scheme-specific nil fee.
current Service Charges page lists the following only for fixed-rate Education Loans: nil when prepaid from the borrower's own funds
takeover by another lender costs 0.50% of the outstanding amount at takeover, calculated separately for each loan account. The Vidyalaxmi rates reviewed are -linked
does not publish a separate floating-rate PMV prepayment row in this schedule.
+ 1.50%, effective rate 9.40% in the published table
girl students receive a 0.50% concession subject to the floor at .
+ 1
Value awaiting review
No minimum income amount is published. The student loan is need-based and subject to the student's repayment capacity
an income proof is requested only from a salaried co-applicant or guarantor when applicable.
Indian nationals admitted to NSQF-aligned vocational/skill courses at ITIs, polytechnics, recognised schools/colleges, NSDC/Sector Skill Council or State Skill Mission/Corporation partners. No specific student age limit
a minor’s parent executes documents.
₹5,000 minimum to ₹7.50 lakh maximum, subject to the student’s repayment capacity
For a fixed-rate Skill Loan, nil when prepaid from the borrower's own source and 0.50% of outstanding when taken over by another lender. The official product page publishes this table under Pre-payment charges.
Secured loan against pledged gold jewellery, ornaments or coins for agriculture-related activity, business-related activity or consumption needs
overdraft facility is available.
Activity-based pricing is published as: Agriculture at 1 Year + BSS 0.15%
Agriculture–Food & Agro at RBLR + 0.25%
at RBLR + 0.65%
Retail at RBLR + 1.05%. The page does not show a single present rupee-rate percentage for all activity types.
Activity-specific benchmarks are 1 Year for agriculture and RBLR for Agriculture–Food & Agro, and retail, with published BSS/ spreads.
Value awaiting review
Value awaiting review
Any individual who is the lawful owner of gold jewellery, ornaments or coins. Agriculture-allied loans above ₹2.50 lakh additionally require land-holding particulars.
Loan-to-value is up to 85% of gold value. Minimum loan amount is ₹20,000 and maximum loan amount is ₹30 lakh.
Value awaiting review
Including proposal processing, documentation and inspection: up to ₹50,000 nil
above ₹50,000 to ₹1 lakh₹250
above ₹1 lakh to ₹5 lakh₹500
above ₹5 lakh to ₹10 lakh₹1,000
above ₹10 lakh₹1,500. Applicable is extra.
No pre-closure charges are published for the Gold Loan.
Regular full-time degree or postgraduate courses at a recognized institution abroad
tuition, hostel, books, computer, passage money, deposits, optional life insurance and other education costs may be financed.
For the standard Star Education Loan bands, current sheet shows 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and 1 Year RBLR + 1.50% (presently 9.60% p.a.) above ₹7.50 lakh
girl/professional-course concessions may apply.
1 Year RBLR plus the published education-loan spread
the current rate sheet gives 9.80%/9.60% p.a. present rates by loan size.
Value awaiting review
No fixed student or co-borrower income threshold is published
co-borrower income proof and bank statement are required.
Indian National student admitted to a recognized institution abroad for an approved course after HSC (10+2) or equivalent
entrance/merit selection or employability/reputation assessment applies where relevant.
Up to ₹1.50 crore for medical courses excluding nursing and non-medical courses
finance is need-based and subject to earning potential.
Moratorium up to course period plus 1 year
repayment up to 15 years from commencement of repayment.
A refundable ₹10,000 charge excluding is stated for study-abroad applications
it is refunded once the actual loan is availed for limits up to ₹20 lakh. portal charge is ₹100 plus 18%
scheme-deviation bands are ₹500/₹1,500/₹3,000 by amount.
Regular full-time degree or postgraduate courses in India at recognized institutions
fees, hostel, books, equipment, computer, deposits, optional life insurance and related education costs may be financed.
Current rate sheet: up to ₹7.50 lakh, 1 Year RBLR + 1.70%, presently 9.80% p.a.
above ₹7.50 lakh, 1 Year RBLR + 1.50%, presently 9.60% p.a. Girl students and professional-course students may receive the published 0.50% concession.
1 Year RBLR (Repo-linked benchmark lending rate) plus the published education-loan spread
current sheet shows 9.80%/9.60% p.a. present rates by loan size.
Value awaiting review
No fixed student or co-borrower income threshold is published
co-borrower income proof, bank statement and financial documents are required.
Indian National, or student with admission through entrance test or merit selection to an approved course at a recognized institution after HSC (10+2) or equivalent.
Up to ₹1.50 crore for medical courses excluding nursing and for non-medical courses
finance is need-based and subject to earning potential.
Moratorium up to the course period plus 1 year
repayment period up to 15 years from commencement of repayment.
No processing charge. portal charge ₹100 plus 18%
scheme-deviation charge ₹500up to ₹4 lakh, ₹1,500above ₹4 lakh to ₹7.50 lakh, and ₹3,000above ₹7.50 lakh.
Part-time or distance education in India, including listed online/offline executive diploma or certificate programmes under the Star Vidya Loan scheme.
Standard education bands: 1 Year RBLR + 1.70% (presently 9.80% p.a.) up to ₹7.50 lakh and +1.50% (presently 9.60% p.a.) above ₹7.50 lakh
published girl-student concession may apply.
1 Year RBLR plus the published education-loan spread
current sheet shows 9.80%/9.60% p.a. by loan size.
Value awaiting review
No numeric minimum salary is published
employment, two years’ experience and income proof are required.
Indian National, permanent employee of Central/State Government, public-sector, reputed private-sector or multinational employer
must remain gainfully employed, be below 55 years, have at least 2 years’ work experience and no adverse credit history.
Maximum loan amount up to ₹20 lakh, subject to need and earning potential.
No moratorium after course completion
repayment is by age 60 or 10 years after course completion, whichever is earlier.
No processing charge. portal charge ₹100 plus 18% and scheme-deviation charges may apply.
Purchase, construction, extension, renovation, furnishing, takeover, solar photovoltaic and Smart Home Loan overdraft purposes are listed.
Starts from 7.10% p.a.
linked to score and calculated on a daily reducing balance.
The published starting rate is linked to the borrower’s score and calculated on a daily reducing balance. No separate named benchmark is published on the reviewed page.
Value awaiting review
No fixed salary or annual-income floor is published. Income proof is required and co-applicant income may be considered.
Resident individuals, and are listed
applicants may be salaried, self-employed or professionals. Eligible groups, and corporates are listed for non-individual cases
trusts are excluded. Maximum age is 70 years at final repayment and co-applicant income may be considered.
Value awaiting review
Up to 360 months
a holiday or moratorium up to 36 months is also stated for eligible construction cases.
Individuals: 0.35% of loan amount, minimum ₹1,500 and maximum ₹35,000. Non-individuals: 0.50%, minimum ₹3,000 and maximum ₹40,000.
No prepayment penalty is published for this product.
Loan against property with instalment-repayment and reducible Mortgage facilities
takeover/balance transfer with additional loan is available.
Starts from 8.85% p.a.
linked to Personal Score for individuals and calculated on a daily reducing balance.
The published starting rate is linked to Personal Score for individuals and calculated on a daily reducing balance
no separate named benchmark is published.
Value awaiting review
No fixed rupee income minimum is published. The page requires income particulars and supporting salary, tax-return or financial-statement evidence.
Resident Indians, and
salaried, self-employed and professional individuals. Regular confirmed employees and people in business/profession for at least 3 years are listed. Permanent-service borrowers must be within 60 years or retirement age
self-employed/non-salaried age may be relaxed up to 70 years.
Reducible Mortgage facility is available up to ₹1,500 lakh (₹15 crore). The page also states starting at ₹1,005 per lakh
the universal term-loan maximum is not separately stated.
Up to 180 months
holiday or moratorium up to 6 months is stated.
Instalment loan: one-time1.00% of sanctioned amount, minimum ₹5,000 and maximum ₹50,000. Mortgage : 0.50% of sanctioned limit, minimum ₹5,000 and maximum ₹30,000 in year one
0.25% of reviewed limit, minimum ₹2,500 and maximum ₹15,000 in later years.
Clean personal loan without pledging security, intended to purchase durable and sophisticated aids or appliances for physical and social rehabilitation.
RBLR + 1.30%, presently 9.40% p.a.
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.
Value awaiting review
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.
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.
Nil processing charge
the current rate sheet also lists the charge as waived.
no pledge of security is required. More than one personal loan may be availed subject to Bank assessment.
Starts from 11.85% p.a.
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.
Value awaiting review
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.
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.
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.
Regular degree or diploma courses conducted by one of 860 quality higher-education institutes in India
parents or guardians join as co-borrowers.
Starting from 7.00% p.a. under the -Vidyalaxmi page
current rate sheet also publishes Star Vidyalaxmi categories: Category A 6.85%, Category B 7.50% and Category C 8.40% p.a., subject to category terms.
The page refers to RBLR
the current rate sheet publishes Star Vidyalaxmi category spreads against RBLR, with present rates of 6.85%, 7.50% and 8.40% p.a.
Value awaiting review
For the -Vidyalaxmi facility, the page does not publish a universal minimum income threshold. It does publish interest-subvention family-income bands of up to ₹4.50 lakh and above ₹4.50 lakh to ₹8 lakh for specified support, which are subsidy conditions rather than a general eligibility floor.
Indian National including student admitted through open competitive examination or merit selection to a degree/diploma course at one of 860 quality higher-education institutes.
The page does not publish one universal maximum loan amount
finance is for the documented cost of the approved course and expenses.
Moratorium up to the course period plus 1 year
repayment up to 15 years from commencement of repayment.
Nil processing charge. portal and third-party charges may apply where stated by the scheme.
Loan for individuals undertaking eligible skill-development courses in India
parent joins as joint borrower and Credit Guarantee Fund Scheme for Skill Development (CGFSSD) cover is stated.
1 Year RBLR + 1.50%, presently 9.60% p.a.
a 1% concession may apply when interest is serviced during the study-period repayment holiday, with no concession after repayment begins.
RBLR plus 1.50%
the current sheet shows a present rate of 9.60% p.a.
Value awaiting review
No numeric student or co-borrower income threshold is published
scheme documents and co-applicant evidence are required.
Individuals intending to take eligible skill-development courses in India
the student applies with a parent as joint borrower and through the Vidya Lakshmi Portal.
The Features section says ₹5,000 to ₹1.50 lakh can be considered, while the Quantum section says ₹5,000 to ₹7.50 lakh. Both official statements are retained because they conflict
confirm the applicable current cap with BOI before applying.
Value awaiting review
Nil processing charge. portal and third-party charges may apply where stated by the scheme.
No prepayment penalty is published for this scheme.
Reverse mortgage secured by the borrower’s unencumbered residential house or flat
repayment proceeds are based on property value and borrower age.
RBLR + 2.60%, presently 10.70% p.a.
RBLR plus 2.60%
current rate sheet shows 10.70% p.a. present rate.
Value awaiting review
No monthly-income, gross-income or pension-as-only-source condition is required
the page explicitly says there is no such income criterion.
Principal borrower is an Indian senior citizen above 60 and not more than 80 years
must own and occupy an unencumbered residential property in India as permanent primary residence. Married couples may be joint borrowers if one is above 60 and the other is at least 55.
Minimum loan ₹5 lakh and maximum loan ₹50 lakh. Property-value margin is 35% to 55% depending on borrower age.
Up to 180 months.
0.25% of sanctioned limit, minimum ₹1,500 and maximum ₹10,000. Valuation and advocate fees are borne by the borrower
annual service charge is 0.25% of outstanding/recoverable loan at annual review.
Finance for rooftop solar-panel installation under the Surya Ghar product
individual borrowers and registered group housing societies/residential welfare associations are covered.
Starts from 5.75% p.a.
the current rate sheet lists individuals up to ₹2 lakh at RBLR − 2.35%, presently 5.75%, and above ₹2 lakh at RBLR, presently 8.10% p.a.
RBLR (Repo-linked benchmark lending rate)
current sheet shows RBLR − 2.35%up to ₹2 lakh and RBLR above ₹2 lakh for individuals.
Value awaiting review
No fixed rupee minimum income is published
individuals must provide the latest six-month salary/pay slip and one-year /Form 16.
Individuals, registered group housing societies and residential welfare associations
borrower or co-borrower must own the house. Individual maximum age is 70 years at final repayment.
Individuals: maximum ₹6 lakh, with quantum up to ₹2 lakh for systems up to 3 kW and up to ₹6 lakh for systems above 3 kW to 10 kW. Housing societies: maximum ₹100 lakh.
Clean, unsecured personal-loan facility without pledging security
more than one personal loan may be availed.
Starts from 11.85% p.a.
interest is calculated on a daily reducing balance.
The page publishes daily reducing-balance interest but no separate named benchmark.
Value awaiting review
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.
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.
1.00% of loan amount, minimum ₹2,500 and maximum ₹15,000.
Finance is available for new two-wheelers, four-wheelers and water vehicles, and eligible used two- or four-wheelers not more than 3 years old.
Starts from 7.60% p.a.
linked to score and calculated on a daily reducing balance.
The published starting rate is linked to the borrower’s score and calculated on a daily reducing balance. No separate named benchmark is published on the reviewed page.
Value awaiting review
No fixed individual salary or annual-income amount is published. The page requires salary slips/ or self-employed financial statements
sanction depends on repayment capacity and credit assessment.
Salaried employees, businessmen, professionals, farmers, directors, proprietors, partners, and are listed. Individual entry age is 18–65 years. Other entities must meet the published four-times average annual cash-accrual and minimum 1.25 rule.
Up to 90% of the cost for a new vehicle and up to 70% for an old vehicle. No third-party guarantee is required up to ₹50 lakh under the stated condition.
Two-wheelers: up to 60 months. Four-wheelers and water vehicles: up to 84 months.
New four-wheelers: 0.25%, minimum ₹2,500 and maximum ₹10,000. Two-wheelers and old vehicles: 1.00%, minimum ₹1,000 and maximum ₹5,000. E-vehicles receive a 50% processing-fee concession.
No prepayment penalty is published for this product.
Medium- to long-term loan for viable post-harvest infrastructure and community farming assets.
Up to ₹2 crore: current 9.00% p.a. cap. Above ₹2 crore: Bank's applicable rate. Eligible borrowers receive 3% government interest subvention.
Six-month8.90% + 1.00%, capped at 9.00% p.a.up to ₹2 crore.
Value awaiting review
No salary floor. Finance is for viable covered projects by a published eligible beneficiary such as a farmer, , , , cooperative, startup, agency or eligible PPP.
Value awaiting review
No universal loan cap
benefits apply on up to ₹2 crore per project.
Seven years, including six months to two years' moratorium.
Current agriculture/ term-loan tariff: nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore
0.80%above ₹25 crore to ₹100 crore
0.70%above ₹100 crore.
2% when prepayment exceeds 25% of sanctioned limit
Cash-credit limit or term loan for eligible self-help groups, with staged drawing power and repeat doses.
Up to ₹3 lakh: 7.00% p.a. where central interest subvention applies
above ₹3 lakh to ₹5 lakh: one-year
above ₹5 lakh: one-year + 0.50% BSS + 1.50%. The current one-year is 9.00% effective 25 July 2026, so the published formula is 11.00% before any applicable subvention.
above ₹5 lakh: one-year + 0
Value awaiting review
No numeric income threshold is published
activity, Panchasutras, grading and a Micro Credit Plan determine eligibility.
active at least 6 months, practising regular meetings, savings, inter-loaning, timely repayment and up-to-date books, and qualifying under grading
revived may qualify after 3 months active existence.
CCL minimum ₹6 lakh for each eligible for 3 years. Year 1 drawing power is 6× corpus or ₹1.5 lakh minimum
year 2 is 8× corpus or ₹3 lakh minimum
year 3 is at least ₹6 lakh
year 4 onward is above ₹6 lakh based on and history. Term-loan doses use the same staged amounts.
Cash-credit linkage is sanctioned for a three-year cycle with annual drawing-power review
term-loan doses follow the staged Micro Credit Plan and sanctioned repayment schedule.
Agriculture term loan to purchase a traditional plantation estate.
Up to ₹10 lakh: current 11.50% p.a.Above ₹10 lakh: current 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Value awaiting review
No salary floor. The buyer must already own a yielding estate, have relevant experience, be financially sound, bring the margin and demonstrate debt-servicing capacity.
Value awaiting review
Up to ₹20 lakh, calculated from the lower applicable market value, guidance/circle rate or purchase consideration after margin, plus eligible stamp duty and registration costs.
Normally seven to nine years
up to 20 years in specific cases depending on estate condition and rejuvenation needs.
Nil up to ₹5 lakh
1%above ₹5 lakh to this product's ₹20 lakh maximum.
2% of prepaid amount when prepayment exceeds 25% of sanctioned limit
nil when principal outstanding is below 25% of sanctioned limit
Secured term loan against pledged gold jewellery or ornaments
bullion and primary gold are excluded.
Published /PED rate table: 8.50% p.a.up to ₹1 crore at 75% , 9.00%up to ₹5 lakh at 80% and 9.25%up to ₹2.50 lakh at 85% . Bullet-repayment tables use the same rates with lower . The page separately states the current lowest rate from 8.50% p.a.
plus a published spread: + 0.45% = 8.50%, + 0.95% = 9.00% and + 1.20% = 9.25% in the reviewed scale table.
Value awaiting review
No income threshold is published and no score is required
all individuals who own eligible gold and satisfy can apply.
Value awaiting review
Minimum quantum ₹20,000 and maximum amount up to ₹1 crore, subject to the bank's terms and tables.
Term-loan repayment up to 24 months
bullet repayment up to 12 months.
Up to ₹3 lakh: nil
above ₹3 lakh to ₹5 lakh: ₹500
above ₹5 lakh to ₹10 lakh: ₹1,000
above ₹10 lakh to ₹20 lakh: ₹1,500
above ₹20 lakh: ₹2,000. Packing/out-of-pocket expense is ₹100 plus .
No pre-payment, pre-closure or part-payment charges.
Term top-up loan for eligible home-loan borrowers, including renovation, furnishing, marriage and education needs.
7.60% p.a. advertised on the product page. Current schedule prices it at the applicable Maha Super Housing rate plus 0.50% for CIBIL 800+, 0.75% for 750-799, 1.00% for 681-749, or 3.00% for 680 and below.
-linked applicable Maha Super Housing rate plus a -based 0.50%-3.00% premium.
Value awaiting review
No standalone numeric income floor
eligibility is restricted to qualifying home-loan borrowers and assessed from current income, repayment capacity and account conduct.
Value awaiting review
Up to ₹10 crore.
Up to 180 months
maximum age 75 at loan maturity.
Processing 0.50% of loan amount, minimum ₹500 and maximum ₹50,000. Account handling 0.10%, minimum ₹500 and maximum ₹11,000, excluding .
Agriculture term loan for fruit gardens, plantations and nursery crops.
Up to ₹10 lakh: current effective 11.50% p.a.Above ₹10 lakh: current effective 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Value awaiting review
No salary floor applies. Eligible landowners, permanent tenants and sufficiently long-term leaseholders are financed against applicable / unit or project cost.
Value awaiting review
Applicable / unit cost or project cost
no single rupee cap is published.
Seven to 15 years including gestation, aligned with crop harvesting and produce marketing.
Agriculture term-loan tariff: nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore.
2% of the prepaid amount when prepayment exceeds 25% of the sanctioned limit
nil when principal outstanding is below 25% of sanctioned limit
Renewable cash-credit facility for crop and allied-agriculture working capital.
Up to ₹3 lakh: 7% p.a. fixed for up to one year under the Government interest-subvention rule. Above ₹3 lakh to ₹10 lakh: current effective 11.50% p.a.Above ₹10 lakh: current effective 12.50% p.a.
Above ₹3 lakh: one-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Value awaiting review
No salary floor applies. The first-year limit is crop scale of finance × cultivated area, plus 10% for post-harvest/household needs and 20% for farm-asset repairs.
Value awaiting review
No single rupee cap is published
the limit follows the crop/area formula and rises by 10% for cost escalation in each successive year from year two through year five.
Five-year validity subject to annual review
Kharif is due next March, Rabi next June and horticultural crops next September.
Up to ₹3 lakh: nil for small/marginal farmers
0.35% of sanctioned limit for large/other farmers. Above ₹3 lakh: 0.35% of sanctioned limit.
For cash credit, 2% of sanctioned limit only when the account is taken over by another financial institution
Working-capital cash credit under the Kisan Credit Card framework for animal husbandry and fisheries.
Eligible crop-MKCC farmers: 7% p.a. within the combined ₹3 lakh concession limit. Otherwise up to ₹10 lakh: current 11.50% p.a.
above ₹10 lakh: current 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Value awaiting review
No salary floor. The applicant needs the relevant farm, pond, boat, shed or other owned/leased facility and every licence or permission required for the activity.
Value awaiting review
District Level Technical Committee scale of finance based on local per-acre, per-unit, per-animal or per-bird cost
no universal rupee cap. The 7% concession is limited to a combined ₹3 lakh MKCC amount.
Repayment follows the activity's cash flow and income pattern
the cash-credit limit is reviewed and renewed annually.
Up to ₹3 lakh: nil for small and marginal farmers
0.35% for large and other farmers. Above ₹3 lakh: 0.35%.
2% of sanctioned cash-credit limit only when the account is taken over by another financial institution
Pension-linked personal term loan for permitted consumption, medical, marriage, funeral, birth and religious-ceremony expenses.
General pensioners: 9.75% p.a. Defence and Bank staff pensioners: 9.25% p.a.
8.05% + 1.70% for general pensioners
+ 1.20% for defence and staff pensioners.
Value awaiting review
No minimum annual income. Finance is based on eligible pension and deduction caps: 40% of gross monthly pension up to ₹12,500 and 50%above ₹12,500.
Value awaiting review
Up to ₹10 lakh. General pensioners: 18 months' pension, capped at ₹10 lakh up to age 65, ₹5 lakhup to 70 and ₹3 lakhup to 73. Defence/staff: 36 months, capped at ₹10 lakh/₹7 lakh/₹5 lakh. Family pensioners: 18 months, capped at ₹4 lakh/₹3 lakh/₹2 lakh.
Up to 120 , subject to age 75 at maturity.
Processing 0.50% of loan amount, minimum ₹500 and maximum ₹5,000
nil for staff pensioners. Account handling 0.20%, minimum ₹1,500 and maximum ₹10,500, excluding .
Nil for floating-rate non-business retail loans to individuals.
New four-wheeler finance for a car, jeep, or for personal use and eligible corporate purchase.
Floating 7.45%-11.75% p.a. by salaried/non-salaried band
firms/companies 8.55%-9.05%. Fixed 10.15%-10.85% p.a. for eligible loans up to ₹50 lakh with CIC above 700, reset after three years.
Floating: 8.05% with -0.60% to +3.70% individual spread or +0.50%-1.00% entity spread. Fixed: 1-year 8.85% plus 1.30%-2.00%.
Value awaiting review
Salaried and pensioner applicants: gross monthly income/pension ₹25,000 or more. Self-employed professionals: ₹3 lakh last-year income with the past two years' . Businesspeople/agriculturists: ₹4 lakh last-year income with the past two years' . Corporate applicants: tangible net worth at least five times the requested loan.
Value awaiting review
Maximum loan limit ₹5 crore for an individual and ₹10 crore for a non-individual, subject to permissible deduction norms.
Maximum repayment period 84 months.
0.25% of loan amount, minimum ₹1,000 and maximum ₹15,000, excluding .
No pre-payment, pre-closure or part-payment charges.
Finance for a new electric passenger car, or for personal use, not passenger hire/ferrying.
Floating rate: 0.25 percentage point below the applicable Maha Super Car rate, subject to the - 0.60% floor
current effective range 7.45%-11.50% p.a. Fixed rate for eligible loans up to ₹50 lakh and CIC above 700: 10.05%-10.75% p.a., reset after three years.
Floating: 8.05% with applicable car-loan spread less 0.25%, subject to a 7.45% floor. Fixed: 1-year 8.85% plus 1.20%-1.90%.
Value awaiting review
Salaried/pensioners: ₹25,000 gross monthly. Self-employed professionals: ₹3 lakh last-year income plus two years' . Business/agriculture: ₹4 lakh last-year income plus two years' . Corporate tangible net worth must be at least five times the requested loan.
Value awaiting review
Individuals: ₹5 crore. Non-individuals: ₹10 crore. Eligible existing housing-loan borrowers may receive up to 100% of on-road price
others have at least 10% margin.
Up to 84 months.
Nil processing fee and nil account-handling charge.
Nil prepayment, pre-closure and part-payment charge.
Housing loan for purchase, construction, extension, plot-plus-construction and repair or renovation of a house or flat.
Floating 7.00%-9.65% p.a. by salaried/non-salaried band. Fixed 11.50%-12.70% p.a. for eligible loans up to ₹2 crore with CIC above 700, reset after three years.
Floating: 8.05% with -1.05% to +1.60% spread. Fixed: 1-year 8.85% with +2.65% to +3.85% spread.
Value awaiting review
No universal rupee minimum income is published on the reviewed housing product page
loan amount is assessed using permissible-deduction norms, and the requested amount.
Value awaiting review
No single maximum rupee amount is published
the sanctioned amount is the lowest of permissible-deduction assessment, maximum and amount requested.
Up to 30 years or until the borrower reaches age 75, whichever is earlier.
0.25% of loan amount, maximum ₹25,000, excluding . The separate account-handling charge is 0.10% of loan amount, minimum ₹500 and maximum ₹11,000.
Need-based collateral-free education loan for eligible courses at listed quality higher-education institutions.
Not published on the -Vidyalaxmi page or its linked current retail-interest-rate page
eligible borrowers may separately receive 3% or full interest subvention during the moratorium.
Value awaiting review
Value awaiting review
No minimum income for the loan is published. Interest-subvention bands use annual family income: up to ₹4.5 lakh and above ₹4.5 lakh to ₹8 lakh.
Value awaiting review
Need-based finance linked to total eligible education expenses
no universal maximum loan amount is published. Government guarantee applies to loan amounts up to ₹7.5 lakh and full subvention can apply to loans up to ₹10 lakh under the stated income/course conditions.
Moratorium is course period plus one year
repayment up to 180 (15 years), excluding moratorium.
No processing or upfront charge. Account handling 0.20% of loan amount, minimum ₹500. Vidya Laxmi enrolment charge ₹200 in the current (the page displays ₹100 + and notes it is subject to change)
Term loan and cash credit for new, expanded or upgraded micro food-processing enterprises.
Value awaiting review
Value awaiting review
Value awaiting review
No salary floor. Individuals, , and other eligible food-processing organizations may finance a new, expanded or upgraded micro enterprise.
Value awaiting review
No universal loan cap
eligible non-individual project cost is limited to ₹10 crore. Subsidy is 35%, capped at ₹10 lakh for an individual unit or ₹3 crore for a non-individual.
Up to 10 years including six to 24 months' moratorium.
Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore. Cash credit: nil up to ₹5 lakh, then 0.35% p.a.
Term loan: 2% when prepayment exceeds 25% of sanctioned limit. Cash credit: 2% only on takeover by another institution. exempt.
Vehicle loan for an approved pre-owned four-wheeler not older than three years and within 1,50,000 km.
Current floating table: 11.20% at CIBIL 750+, 11.55% at 700–749, 12.05% at 650–699, 13.05% at 600–649, 14.05%below 600 and 12.05% for -1/0/01–05.
, shown as 8.05%, plus 3.15%–6.00% according to band.
Value awaiting review
Salaried and other individual applicants: ₹3 lakh last-year income with two years' /Form 16. Eligible Government/ pensioners need ₹25,000 monthly pension.
Value awaiting review
₹2 lakh minimum and ₹50 lakh maximum
finance is the lowest of eligible assessment, 70% of certified market/invoice value or 100% of insured declared value.
Maximum 60 months.
0.50% of loan amount, minimum ₹500
account-handling charge 0.20%, minimum ₹1,500 and maximum ₹10,500, excluding .
No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
Residential green loan for grid-connected rooftop solar up to 10 kW under Suryaghar.
Up to ₹2 lakh: 5.75% ( − 2.30%) for eligible borrowers. Above ₹2 lakh, non-home-loan borrowers: 8.25% at CIBIL 800+, 8.55% at 750–799, 8.80% at 700–749/NTC and 9.05% at 680–699
eligible home-loan customers receive the applicable home-loan rate.
, shown as 8.05% on the current rate page
spread is −2.30%up to ₹2 lakh and +0.20% to +1.00%above ₹2 lakh for non-home-loan borrowers.
Value awaiting review
No minimum annual income for systems up to 3 kW
minimum ₹3 lakh annual income for systems above 3 kW to 10 kW.
Value awaiting review
Minimum ₹10,000. Maximum ₹2 lakh for systems up to 3 kW and ₹10 lakh for systems above 3 kW to 10 kW.
120 months including a moratorium up to six months.
Nil processing fee. Account-handling charge: ₹500 plus 0.20% of loan amount, minimum ₹500 and maximum ₹2,500, excluding .
No prepayment charge for floating-rate retail loans to individuals under the current service-charge rule.
Salary-linked overdraft for day-to-day personal needs.
11.20% p.a. effective rate on the current retail-rate table.
+ 3.15%
effective rate 11.20% at review.
Value awaiting review
Minimum take-home salary ₹25,000 per month for both published employee categories.
Value awaiting 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.
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 .
Cash credit, term loan or both, delivered in repeat doses to eligible .
Eligible DAY-NRLM women : 7%up to ₹3 lakh
current 9.00%above ₹3 lakh to ₹5 lakh
current 11.00%above ₹5 lakh. Other , federations and NGOs: current 11.00% p.a.
One-year9.00%
above ₹5 lakh and other /federation routes add BSS 0.50% + 1.50%.
Value awaiting review
No salary floor. Normally six active months plus Panchasutras and grading
revived groups need three active months.
Value awaiting review
No universal cap. First dose/year is 6× corpus or at least ₹1.5 lakh
second 8× corpus or at least ₹3 lakh
third at least ₹6 lakh
fourth onward above ₹6 lakh by and credit history. Published no-collateral rules extend through ₹20 lakh.
Term-loan dose 1: 24–36 months
dose 2: 36–48
dose 3: 48–60
dose 4 onward: 60–84. Cash-credit minimum ₹6 lakh route runs three years with annual drawing power.
Government-sponsored working capital: nil. Other agriculture cash credit: nil up to ₹5 lakh, then 0.35% p.a. Term loan: nil up to ₹5 lakh, then 1% to ₹25 crore.
Term loan: 2% when prepayment exceeds 25% of sanctioned limit
cash credit: 2% of sanctioned limit only on takeover by another institution. are exempt.
Agriculture term loan for a new solar lighting system and accessories used by an agro-processing unit.
Up to ₹10 lakh: current 11.50% p.a.Above ₹10 lakh: current 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00% above.
Value awaiting review
No salary floor. Applicants must be eligible small/marginal farmers, sharecroppers, tenants or agriculture entrepreneurs using the system for an agro-processing unit.
Value awaiting review
80%-85% of project cost including accessories
no universal rupee cap.
Three to five years.
Nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore.
2% when prepayment exceeds 25% of sanctioned limit
Agriculture term loan for a new solar water-heating system and accessories used by an agro-processing unit.
Up to ₹10 lakh: current 11.50% p.a.Above ₹10 lakh: current 12.50% p.a.
One-year9.00% + BSS 0.50% + 2.00%up to ₹10 lakh, or +3.00%above ₹10 lakh.
Value awaiting review
No salary floor. Eligible applicants are small or marginal farmers, sharecroppers, tenant farmers and agriculture entrepreneurs using the system for an agro-processing unit.
Value awaiting review
80%-85% of project cost including accessories
no universal rupee cap is published.
Three to five years.
Nil up to ₹5 lakh
1%above ₹5 lakh to ₹25 crore.
2% of prepaid amount when prepayment exceeds 25% of sanctioned limit
nil when principal outstanding is below 25% of sanctioned limit
Agricultural dairy term finance for cattle, sheds, fodder, equipment, processing and heifer rearing.
The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakhup to ₹1 crore, subject to applicable risk and liquidity-premium rules.
Marginal Cost of Funds based Lending Rate (), with liquidity premium where applicable for longer repayment periods.
Value awaiting review
No rupee income minimum is published
dairy experience, fodder, water, veterinary access and assured marketing are required.
Value awaiting review
No universal rupee ceiling is published
amount follows the dairy project, animal/equipment cost, margin and security norms.
Animal purchase: 5–7 years monthly/quarterly. Heifer rearing: 5–6 years including 30-month grace. Shed/processing projects may receive 12–18 months moratorium
Agricultural term loan for approved tractors, power tillers, trailers, combine harvesters and farm implements.
The current agricultural rate table applies: 1.40% over up to ₹3 lakh and 2.30% over above ₹3 lakhup to ₹1 crore, subject to applicable liquidity premium and risk rules.
Marginal Cost of Funds based Lending Rate (), with liquidity premium for longer tenors where applicable.
Value awaiting review
No rupee income minimum is published
landholding, cropping pattern, machinery use and repayment capacity are assessed.
Value awaiting review
No universal rupee ceiling is published
quantum follows approved machinery cost and margin. Second-hand tractor margin is 40%.
Repayable within 5 to 9 years by half-yearly or yearly instalments based on income generation.
companies and firms may finance vehicles used by directors or employees.
CRG-Prime effective rate shown in Canara's official fixed-rate retail table: 8.60% p.a.
the applicable customer rate can vary by risk grade and prevailing table.
Repo Linked Lending Rate (), shown at 8.00% in the reviewed Canara rate table
spread and concessions depend on CRG grade.
Value awaiting review
Salaried: minimum gross salary ₹3 lakh a year. Other-than-salaried: latest gross annual income ₹3 lakh and three-year gross-average annual income at least ₹2.50 lakh. Agriculturist applicant/co-applicant combined income: at least ₹4 lakh a year.
Value awaiting review
No upper limit is published for a new electric vehicle
financing is up to 90% of new-vehicle cost, subject to eligibility and repayment capacity.
Up to 84 .
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.
Straight-through-processing healthcare loan for hospital-expense shortfalls while settling claims through for self or dependents.
8.00% + 2.30% credit-risk premium = 10.30% effective p.a. in the current Canara retail table.
Repo Linked Lending Rate (), 8.00% in Canara's current retail table (w.e.f. 12 March 2026).
Value awaiting review
Salaried customers need minimum monthly salary credit of ₹50,000
non-salaried customers need average balance of ₹50,000 maintained for the last six months. Net take-home after all instalments must be at least ₹10,000 per month.
Top-up loan against the continuing security of an existing Canara housing loan for non-speculative domestic, medical, education and unforeseen personal needs.
Repo Linked Lending Rate (), 8.00% in the current Canara retail table (w.e.f. 12 March 2026)
the CRG risk grade determines the additional spread.
Value awaiting review
No universal rupee minimum income is published. Salaried quantum is 24 months of gross salary and non-salaried quantum is two times the applicant's three-year average gross income, each subject to ₹50 lakh
net take-home must remain 25% salaried or 30% non-salaried.
Value awaiting review
₹50 lakh maximum for both salaried and non-salaried calculations
salaried quantum is 24 months gross salary and non-salaried quantum is two timesthree-year average gross income.
Leftover repayment period of the existing housing loan or 180 , whichever is less.
0.50% of loan amount
minimum ₹100 and maximum ₹500. Documentation is ₹100 per lakh, with ₹1,000 minimum and ₹25,000 maximum.
No prepayment penalty is charged. Release of security occurs only after both the housing loan and Home Loan Plus liabilities are closed.
Housing finance for agriculturists, dairy/allied farmers, planters and horticulturists for purchase, construction, site-plus-construction, repairs and eligible takeovers.
The official retail range table shows Housing Loan contracted rates of 7.15%–10.00% p.a. (mean 8.06%)
the agriculturist variant follows the housing scheme and borrower CRG.
No separate benchmark is stated on the agriculturist product page
the applicable housing retail table governs pricing.
Value awaiting review
Minimum gross annual income ₹5 lakh for eligible agriculturists, with over 5 acres irrigated or 10 acres dry land and two years' satisfactory Canara dealings generally required.
Value awaiting review
No upper limit subject to income. Salaried: up to 72× monthly gross (selectively 96×)
other-than-salaried: up to 6× three-year average gross income (selectively 8×). Repairs up to ₹15 lakh
furnishing up to 15% or ₹50 lakh lower.
Up to 30 years or age 75, whichever is earlier.
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus
50% waiver published for 1 July 2026 to 30 September 2026.
Housing loan for ready-built house/flat purchase, construction, site plus construction, repairs/renovation, fixed furnishing, second home and eligible home-loan takeover.
Fixed-rate table: Housing Loan (including Canara Kuteer) effective rates are 8.50%–10.75% p.a. for women borrowers and 8.55%–10.75% p.a. for other borrowers across CRG-PRIME/CRG 1–4.
Repo Linked Lending Rate (), 8.00% w.e.f. 12 March 2026
fixed-rate pricing adds a 0.75% fixed-rate premium and CRG risk spread.
Value awaiting review
No universal rupee minimum income is published. Salaried applicants are assessed at up to 72× monthly gross salary (96× selectively)
non-salaried applicants at up to 6× average three-year annual gross income (8× selectively). Gross-income evidence is required.
Value awaiting review
No upper loan limit is stated
eligibility is subject to income, repayment capacity, financial profile and property value. Repairs/renovation is up to ₹15 lakh, and fixed furnishing is up to 25% of loan amount or ₹50 lakh, whichever is lower.
Up to 30 years or until the borrower reaches age 75, whichever is earlier.
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus . A 50% processing-charge waiver is published for the Retail Loan Festival from 1 July 2026 to 30 September 2026
eligible Premium Payroll takeover borrowers have full waiver through 30 September 2026.
End-to-end digital loan against mutual funds by online lien marking of the folio
all eligible schemes registered with RTAs may be pledged.
8.00% + 1.00% credit-risk premium = 9.00% effective p.a. in the current Canara retail table.
Repo Linked Lending Rate (), 8.00% in Canara's current retail table (w.e.f. 12 March 2026).
Value awaiting review
No income amount is published
applicants need CIC score 700+, age 18+ and a sole-operated Canara / account. New-to-bank applicants complete VCIP account opening.
Value awaiting review
Equity/hybrid mutual funds: 50% of , ₹25,000 minimum and ₹10 lakh maximum. Debt mutual funds: 75% of , ₹25,000 minimum and ₹1 crore maximum.
Term loan: maximum 36 months. Overdraft: renewal yearly.
Term/loan processing: 0.60% of sanctioned amount plus , minimum ₹1,000 and maximum ₹10,000 plus . review/renewal yearly: 0.30% of loan amount plus , minimum ₹500 and maximum ₹5,000 plus .
Reverse mortgage loan against a self-occupied residential house or flat for senior citizens' genuine needs, with periodic or one-time payment options.
Canara's official rate table shows 8.00% plus 1.60% spread, or 9.60% effective for Canara Jeevan
individual pricing remains subject to applicable policy.
Repo Linked Lending Rate (), 8.00% in the reviewed table.
Value awaiting review
No income threshold
the borrower must be a resident owner above age 60 with a qualifying self-occupied property.
Value awaiting review
Independent house: ₹5 lakh minimum to ₹50 lakh maximum. Flat: ₹5 lakh minimum to ₹25 lakh maximum. Amount includes interest until maturity and depends on age and property value.
Periodic payments may continue for up to 15 years or until the death of the surviving borrower, whichever is earlier
the loan becomes due when the survivor dies, sells or permanently leaves the home.
0.25% of loan amount, maximum ₹10,000. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.
Single-window crop and allied-activity credit with working-capital and term-loan components.
The reviewed Kisan Credit Card page does not print a numeric interest rate
crop and allied-activity rates follow the applicable Canara agricultural lending schedule.
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
No universal maximum is printed
crop component follows district scale of finance × cultivated area, with 10% household/post-harvest and 20% farm-asset maintenance components in the first-year structure.
Working-capital limit valid for five years subject to annual review
term loan repayable yearly or half-yearly over a maximum of five years.
No numeric processing fee is printed in the reviewed Kisan Credit Card scheme
Up to ₹2 lakh: hypothecation of crops/assets. Above ₹2 lakh, mortgage of landed property or charge on land records applies according to state charge-creation availability. No separate prepayment charge is published.
Low-income housing loan for acquiring a residential site and constructing a house, purchasing a new or old dwelling unit, or constructing on an already owned plot.
Fixed-rate table: Housing Loan (including Canara Kuteer) effective rates are 8.50%–10.75% p.a. for women borrowers and 8.55%–10.75% p.a. for other borrowers across CRG-PRIME/CRG 1–4.
Repo Linked Lending Rate (), 8.00% w.e.f. 12 March 2026
fixed-rate pricing adds a 0.75% fixed-rate premium and CRG risk spread.
Value awaiting review
Published household-income bands are up to ₹1 lakh a year, and above ₹1 lakhup to ₹3 lakh a year
the band determines the maximum loan.
Value awaiting review
₹5 lakh maximum where annual household income is up to ₹1 lakh
₹10 lakh maximum where income is above ₹1 lakh and up to ₹3 lakh.
Up to 30 years or until age 75, whichever is earlier.
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus . A 50% waiver is published for 1 July 2026 to 30 September 2026.
At the borrower's choice
no prepayment penalty is stated for housing loans carrying floating rates when another bank/HFI takes over the liability.
Education loan for a Master's degree in India or abroad at select top-ranking universities, including tuition, travel, living and medical-insurance expenses.
New education loan for a master's degree abroad: fixed effective rates are 10.35% (100%+ collateral), 10.60% (75%–<100% collateral) or 10.85% (50%–<75% collateral) p.a.
Value awaiting review
Value awaiting review
No student or co-borrower minimum income amount is published
admission, exam scores, income/assets and collateral evidence are assessed.
Value awaiting review
Minimum loan is above ₹7.50 lakh. With collateral coverage of 100% or more, there is no maximum cap subject to project cost
with coverage below 100%, maximum is ₹1 crore.
Repayment in up to 15 years excluding the moratorium period.
Collateral coverage 100% or more: 0.50% of sanctioned limit, maximum ₹10,000. Coverage below 100%: 0.50%, maximum ₹20,000. The page publishes a 50% waiver for 1 April 2026 to 30 June 2026.
Secured loan against a mortgaged residential house, flat or commercial property for non-business personal, medical and unforeseen expenses.
Competitive reducing-balance rate
exact percentage depends on borrower profile, risk rating, value of security and bank norms, and is not fixed on the page.
Value awaiting review
Value awaiting review
No rupee minimum income is published. Salaried applicants must provide income evidence and have at least one year of confirmed service
non-salaried applicants must show annual income and three years in business or profession.
Value awaiting review
Loan is the lower of 50% of the property's bank-panel valuation, ₹7.50 crore, and the income-based formula: 96/84 times monthly gross salary for salaried CRG grades or 8/7 times average three-year cash accruals for non-salaried CRG grades.
Maximum 180 months (15 years), subject to eligible norms.
0.50% of loan amount with a minimum of ₹5,000. Documentation is ₹100 per lakh, with ₹1,000 minimum and ₹25,000 maximum.
housing loan for ready-built or under-construction homes, construction, site plus construction, repairs/renovation, second homes and eligible takeovers.
Housing-loan pricing is risk-profile based. The current all-variant fixed-rate table lists effective rates from 8.50% to 10.75% p.a. across CRG-PRIME and CRG 1–4
the applicable rate depends on the bank's risk assessment.
The reviewed page does not state a separate benchmark
the linked retail tables use /CRG risk pricing and fixed-rate risk bands.
Value awaiting review
No rupee minimum income is published. Loan quantum is normally up to 4× annual gross income, with up to 5× considered case-by-case
a steady income source and at least 2 years overseas employment are required.
Value awaiting review
Normally up to 4× annual gross income
up to 5× annual gross income may be considered case-by-case. No universal rupee ceiling is published on the page.
Up to 30 years or age 60, whichever is earlier
up to age 70 may be considered case-by-case subject to conditions. Repayment starts within 2 months for ready homes, 2 months after completion or 24 months for construction, and 2 months after completion or 36 months for under-construction flats, whichever is earlier.
0.50% of loan amount, minimum ₹1,500 plus and maximum ₹10,000 plus
a 50% waiver is published for 1 July–30 September 2026.
No prepayment penalty for floating-rate housing loans, including takeover by another bank or housing finance institution.
Loan against assigned rent receivables from eligible institutional tenants for genuine business or personal needs
speculative use is excluded.
Official Canara rate-range table: 9.25%–9.80% p.a. contracted range for Canara Rent, mean 9.43% (w.e.f. 12 December 2025).
Value awaiting review
Value awaiting review
No universal numeric income threshold is published
existing satisfactory customers or well-introduced new customers must evidence rent, income and financial capacity.
Value awaiting review
Up to 75% of net rent receivable for the unexpired lease period after , advance rent and taxes, capped at ₹7.50 crore.
Up to 120 months or the unexpired lease period, whichever is earlier
selected institutional/corporate leases may go to 144 or 180 months subject to the page rules.
1.00% of loan amount, minimum ₹5,000. Inspection: ₹200 per inspection up to ₹10 lakh (maximum ₹600 yearly), or ₹300/actual above ₹10 lakh. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.
No prepayment penalty is listed on the official Canara Rent page.
Residential on-grid rooftop solar PV loan for systems up to 3 kW under CRTS-PMSGY.
Canara Rooftop Solar CRTS–PMSGY up to ₹2 lakh: 8.00% less 2.25% concession = 5.75% effective p.a.
Repo Linked Lending Rate (), 8.00% in Canara's current retail table (w.e.f. 12 March 2026), with a published 2.25% concession for the up-to-₹2 lakh solar slab.
Value awaiting review
No minimum annual income or NTH criterion
repayment capacity is assessed from the customer's self-declared income.
Value awaiting review
Up to ₹2 lakh including subsidy, with minimum 10% borrower margin.
Up to 10 years in , subject to age 75 at maturity
a six-month repayment holiday may be considered case by case.
Processing, service and other charges are waived under the reviewed scheme.
Residential-site purchase loan for sites from government/statutory authorities, approved development layouts or -approved projects
qualifying takeovers are allowed.
Official Canara rate table: 8.00% plus CRG spread of 1.05%–2.10%, producing effective rates of 9.05%–10.10% by risk grade.
Repo Linked Lending Rate (), 8.00% in the reviewed table.
Value awaiting review
No fixed rupee minimum is published
quantum uses three years' gross annual salary/income and the page requires salaried net take-home of 40% or adequate non-salaried income for instalments.
↓
Value awaiting review
Lower of three years' gross annual salary/income or 75% of site cost/guideline value
a 25% margin is maintained on project cost.
Up to 10 years, the allotment agency's construction period, or until age 65 at closure, whichever is earlier.
0.50% of loan amount, minimum ₹1,500 and maximum ₹10,000. Documentation: ₹100 per lakh, minimum ₹1,000 and maximum ₹25,000.
Secured gold loan against pledged gold jewellery or gold coins up to 50 grams per customer for non-speculative medical, domestic or urgent expenses.
+ 0.95% p.a., effective from 12 March 2026 for Swarna schemes in the reviewed official rate table.
Repo Linked Lending Rate ().
Value awaiting review
No income threshold is required or published for this secured gold-loan page
resident individuals and are eligible subject to gold appraisal and .
Value awaiting review
₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna , Swarna Express and Swarna Monthly Interest schemes.
Bullet repayment within 12 months from sanction, along with interest.
Swarna Loan, Swarna and Swarna Monthly Interest: 0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding . Swarna Express has a separate 0.15% band.
No prepayment penalty
the loan may be closed during the tenure subject to the scheme terms.
Vehicle loan for agriculturists buying new or pre-owned LMV four-wheelers, including second and subsequent vehicles.
The official Canara vehicle rate-range table shows 7.45%–15.00% p.a. contracted range (mean 9.09%) for Canara Vehicle
the agriculturist variant follows the vehicle scheme and customer CRG.
Vehicle scheme benchmark is not separately stated on the agriculturist page
the applicable Canara retail vehicle rate table governs pricing.
Value awaiting review
Net take-home after must be 40% of gross annual income and at least ₹1.50 lakh a year. Dairy, poultry, plantation and horticulture applicants need minimum gross annual income of ₹4 lakh where the landholding test does not apply.
Value awaiting review
No upper limit, but total quantum cannot exceed one year's annual borrower income. For a used vehicle not over three years old, the amount is the least of 60% appraised value, 60% agreed price, 60% original price or ₹50 lakh, with minimum 50% margin.
New vehicles: maximum 84 months. Used vehicles: maximum 60 months or remaining useful life, whichever is lower. Monthly, quarterly, half-yearly or yearly repayment may follow income/crop cycle.
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus
a 50% waiver is published for 1 July 2026 to 30 September 2026.
Vehicle loan for a brand-new four-wheeler, new electric four-wheeler, pre-owned four-wheeler not older than three years, and second or subsequent vehicle purchases.
Fixed-rate table for Canara Vehicle four-wheelers: effective rates are 8.70%–10.85% p.a. for women borrowers and 8.75%–10.85% p.a. for other borrowers across CRG-PRIME/CRG 1–4.
Repo Linked Lending Rate (), 8.00% w.e.f. 12 March 2026
fixed vehicle rates add a 0.75% fixed-rate premium and CRG risk spread.
Value awaiting review
Salaried and other-than-salaried individual applicants need minimum gross annual income of ₹3 lakh
non-salaried applicants also need three-year gross-average annual income of at least ₹2.50 lakh.
Value awaiting review
No upper limit for new vehicles, subject to eligibility and repayment capacity. Pre-owned cars may receive up to ₹50 lakh subject to required margin
new vehicles can be financed up to 90% of cost.
New vehicles: maximum 84 months. Pre-owned vehicles: maximum 60 months or remaining useful life, whichever is lower.
0.25% of loan amount, minimum ₹1,000 plus and maximum ₹5,000 plus . A 50% processing-charge waiver is published for 1 July 2026 to 30 September 2026.
Education term loan for or Executive at listed premier management institutes.
Value awaiting review
The page links the latest Central Bank rate table but does not name a benchmark.
Value awaiting review
Value awaiting review
Indian national
executive applicants need at least two years' work experience in government, corporate or multinational concern, minimum age 23, and admission or final selection to a listed Executive programme. Parent, guardian, spouse or parents-in-law may join as joint borrower.
Cent Grih Lakshmi uses the underlying Cent Home Loan facility
the variant page does not define a separate facility type.
Value awaiting review
The Cent Go Green Vehicle page links the latest Central Bank rate table but does not name a benchmark.
Value awaiting review
₹3 lakh for a four-wheeler and ₹1.80 lakh for a two-wheeler.
Individuals aged 18 to 65: specified permanent salaried employees, self-employed/professional/entrepreneur applicants, farmers in production or allied activities, and applying jointly with a resident close relative for use in India. Maximum two applicants
co-borrower required when borrower is above 60.
Salaried applicants: 24 times gross monthly salary. Other individuals: two times average annual income of the last two years. Maximum is ₹10 lakh for a new two-wheeler and ₹1 crore for a new four-wheeler.
Up to 72 months for a two-wheeler and up to 96 months for a four-wheeler.
Demand loan with bullet repayment against pledged gold jewellery, ornaments or bank-sold gold coins.
The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.
Value awaiting review
Value awaiting review
No minimum income threshold is published
borrowers with annual income above ₹10 lakh have extracted for deduction assessment.
Individuals aged 18 or above with -compliant Central Bank accounts
gold/jewellery shop owners, goldsmiths, appraisers and their close relatives are not eligible. Exposure above ₹2.50 lakh is assessed on repayment capacity.
₹10,000 minimum and ₹60 lakh maximum overall under the retail-and-agriculture-micro (RAM) segment
retail is 68%–78% and margin is 22%–32% by borrower/ exposure.
12 months.
Nil up to ₹5 lakh. Above ₹5 lakh: 0.30% of loan amount plus , capped at ₹5,000
Housing term loan for purchase, construction, plot-plus-construction, repair/renovation, takeover and eligible furnishing/interior costs.
The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.
Value awaiting review
Value awaiting review
No single minimum income amount is published. Maximum / ratio is 20% for net annual income up to ₹3 lakh, 50%above ₹3 lakh to ₹7 lakh, 65%above ₹7 lakh to ₹10 lakh, 70%above ₹10 lakh to ₹15 lakh and 75%above ₹15 lakh.
Value awaiting review
Up to 90% of home/flat cost for loans up to ₹30 lakh
80%above ₹30 lakhup to ₹75 lakh
75%above ₹75 lakh. Repairs/renovation and plot purchase are financed at 75% . Furnishing/interiors may add up to 15% of cost subject to ₹50 lakh and the applicable .
Up to 30 years or until the borrower reaches age 75, whichever is earlier
extensions, repairs and renovation must be repaid within 10 years.
0.50% of loan amount plus , capped at ₹20,000
Central Bank publishes a full processing-fee waiver through 31 December 2026. Documentation is ₹1,350 plus .
Cent Home Loan variant for construction or acquisition of a new house/flat or an existing property not older than 40 years, specifically for a third, fourth or fifth house.
Value awaiting review
The page links the latest Central Bank rate table but does not name a benchmark.
Value awaiting review
No minimum income amount is published
the page requires a legal, identified and regular source of income.
Individuals or close-relative groups with a legal, identified and regular source of income may apply singly or jointly with parents or children
siblings may co-borrow if they are or intend to be co-owners. Fifth-house purchase requires minimum CIC score 750.
Value awaiting review
Property may be up to 40 years old with at least 10 years remaining beyond loan tenure
Cent Grih Lakshmi uses the underlying Cent Home Loan facility
the variant page does not define a separate facility type.
Value awaiting review
The Cent Mortgage page links the latest Central Bank rate table but does not name a benchmark.
Value awaiting review
Minimum gross annual income ₹12 lakh.
Minimum age 21. Term loan must mature by age 75 or retirement for salaried applicants. Target group is salaried individuals, professionals and self-employed persons.
Minimum ₹5 lakh and maximum ₹7.50 crore.
Term loan up to 180 months
existing reducing-balance overdraft renewal up to 120 months.
Demand loan or overdraft for genuine personal credit needs, excluding speculation, real-estate investment and prohibited activities.
Value awaiting review
The page links Central Bank's latest interest-rate table but does not name a benchmark.
Value awaiting review
No independent minimum pension amount is published. Eligibility is assessed through the published pension-multiple limits and the rule that /notional must not exceed 50% of monthly pension.
Pensioners and family pensioners drawing pension through Central Bank branches, Central Bank ex-staff pensioners/family pensioners, and pensioners whose pension is disbursed through Treasury or DPDO.
Age up to 70: 18 months' pension, maximum ₹10 lakh. Above 70: 12 months' pension, maximum ₹5 lakh. or notional must not exceed 50% of monthly pension.
Up to age 65: 60 months
above 65 and up to 70: 36 months
above 70: 24 months. drawing power is reduced monthly by notional .
Processing charge nil. Documentation charge ₹500 plus .
Term loan for personal/domestic expenses and takeover of an existing loan.
The page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.
Value awaiting review
Value awaiting review
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.
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.
1.00% of loan amount plus
nil for defence personnel. Documentation is ₹270 plus up to ₹2 lakh and ₹450 plus above ₹2 lakh
Vocational education and training term loan for eligible government/NSDC/State Skill Mission-supported courses, including eligible courses onboarded on the Skill India Digital Hub.
Value awaiting review
The page links the latest Central Bank rate table but does not name a benchmark.
Value awaiting review
No minimum income amount is published. Eligibility is based on Indian nationality and admission to an eligible vocational course
finance is need-based from ₹5,000 to ₹7.50 lakh.
Indian national admitted to an eligible NSQF-aligned course run or supported by a government ministry/department/organisation, NSDC or State Skill Mission/Corporation
eligible non-NSQF courses may be on the MSDE Skill India Digital Hub.
₹5,000 minimum to ₹7.50 lakh maximum
margin 5%.
After moratorium: up to 3 years for loans up to ₹50,000
Term top-up loan for personal needs of existing Central Bank housing-loan customers
speculative, real-estate and capital-market uses are excluded.
Value awaiting review
The page links the latest Central Bank rate table but does not name a benchmark.
Value awaiting review
No minimum income amount is published
eligibility is based on an existing Central Bank housing loan and repayment history.
Individuals with a Central Bank housing-loan account may apply singly or jointly
borrowers must join with a resident Indian relative. The housing loan must have run for at least one or two years after repayment began following moratorium.
Minimum ₹2 lakh and maximum ₹10 crore.
Repayment cannot exceed the remaining period of the underlying housing loan under its original sanction.
0.50% of loan amount plus , capped at ₹20,000
full processing-fee waiver through 31 December 2026. Documentation ₹450 plus .
Term loan for a new two- or four-wheeler for personal use
vehicles for hiring or ferrying passengers are excluded.
Value awaiting review
The page links Central Bank's latest interest-rate table but does not name a benchmark.
Value awaiting review
₹3 lakh for a four-wheeler and ₹1.80 lakh for a two-wheeler.
Individuals aged 18 to 65: specified permanent salaried employees, self-employed/professional/entrepreneur applicants, farmers in production or allied activities, and jointly with a resident close relative. Maximum two applicants
co-borrower required above age 60.
Salaried applicants: 24 times gross monthly salary. Other individuals: two times average annual income of the last two years. Maximum ₹10 lakh for a new two-wheeler and ₹2 crore for a new four-wheeler.
Up to 60 months for a two-wheeler and up to 84 months for a four-wheeler.
Two-wheeler: 0.50% of loan amount, minimum ₹500 and maximum ₹2,000. Four-wheeler: 0.50% plus , minimum ₹2,000 plus and maximum ₹20,000 plus . Full processing-fee waiver through 31 December 2026
Cent Grih Lakshmi uses the underlying Cent Home Loan facility
the variant page does not define a separate facility type.
Up to 1% interest concession may be provided during study if interest is serviced during study and the subsequent moratorium before repayment starts
the base rate is linked to the latest table.
The Cent Vidyarthi page links the latest Central Bank rate table but does not name a benchmark.
Value awaiting review
Value awaiting review
Indian national admitted to a recognised higher-education course in India or abroad through entrance-test or merit selection after HSC (10+2 or equivalent).
Maximum loan amount ₹2 crore. Margin is nil up to ₹4 lakh
5% in India above ₹4 lakh
15% abroad above ₹4 lakh.
Repayment up to 15 years after a moratorium equal to the course period plus one year.
the bank says approval and the rate of interest are at its sole discretion, and the offered rate varies with loan duration, amount and borrower profile.
Value awaiting review
Value awaiting review
Value awaiting review
Indian residents aged 18–75 who are businessmen, traders, farmers, salaried or self-employed individuals may apply, subject to Bank approval and the pledged-gold requirements.
Gold-backed term-loan or overdraft facility from ₹25,000, with a published starting rate of 11.91% p.a. and a 6–42-month tenure range. Bank does not publish a general maximum loan amount on the reviewed product page
the sanctioned amount depends on gold valuation and the bank's assessment.
6–42 months
Maximum 1% of the disbursal amount plus applicable taxes. Micro and Small Enterprises with facilities up to ₹5,00,000 are exempt if they submit a Udyam Registration Certificate before disbursal.
September 2026 charges page: 2% + applicable tax within 30 days
1% + tax after 30 and through 180 days
nil after 180 days. Exception: qualifying fixed-rate loans up to ₹50,00,000 are exempt when closed/part-paid from own funds. The product-page instead says 1% + within 6 months and nil after 6 months
follow-up is required to reconcile this conflict for the applicable loan type.
Term loan for an agriculture professional's agri-clinic or agri-business-centre project.
Value awaiting review
Value awaiting review
Value awaiting review
No income threshold is published
applicants must meet the age, agriculture-qualification and training requirements.
Applicants aged 21–60 with eligible agriculture/allied graduate, diploma or postgraduate-diploma qualifications
after training, credit may continue up to age 62. MANAGE/NTI training is 45 days, and serving/retired pensionary staff do not receive subsidy benefits.
Subsidy project-cost ceiling ₹20 lakh for an individual (₹25 lakh for an extremely successful individual project) and ₹1 crore for a group project of at least five trained persons
finance can be higher if technically and financially viable, but subsidy remains scheme-limited.
Five to ten years depending on activity, including a maximum two-year moratorium.
Term loan and cash credit for food and agro-processing units.
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
Food and agro-processing units handling fruits, vegetables, meat, fish, dairy, oils/fats, grain and starch products, animal feed or other food/agro products
appraisal follows project cost and working-capital method.
Term loan is based on project cost
working capital up to ₹5 crore uses turnover method and amounts above ₹5 crore use II or cash-budget method
NFB is need-based.
Term-loan repayment up to 15 years
working capital is one year with annual renewal. Commercial repayment may use cash-flow, ballooning, bullet or structures.
As per the service-charge circular for agricultural advances
no product-specific amount is printed on the page.
Education loan under the IBA Model Educational Loan Scheme.
7.05% to 10.15% p.a. floating for the Education Loan row in Indian Bank's current personal-segment rate table
the applicable slab varies by institution category and borrower profile.
The current education-loan rate row is labelled floating but does not identify a named benchmark or spread for this product.
Value awaiting review
No minimum income amount is specified for the student in the IBA product table
the parent or spouse is a co-obligant/joint borrower and income documents are assessed under the bank's lending rules.
Admission through entrance test or merit selection after HSC (10+2) or equivalent to a recognised/accredited course in India or abroad
parents or spouse act as co-obligants. Executive-management applicants must be graduates or equivalent.
Need-based finance is available for India and overseas studies subject to margin and eligible expenses. The page publishes a ₹25 lakh maximum specifically for Executive Management/Executive
it does not publish a universal rupee ceiling for the regular IBA route.
Regular India/abroad education loans: up to 180 after the course and holiday period. Executive Management/Executive : up to 120 beginning the month after first disbursement
moratorium is course period plus up to one year for regular education loans.
Up to ₹10 lakh: nil. Above ₹10 lakh: 0.15% of the loan amount, capped at ₹3,000
Home-improvement loan for repairs and renovation of an owned residential dwelling.
8.15% to 8.70% p.a. floating for IB Home Enrich in Indian Bank's current personal-segment rate table dated 14 August 2026.
The current IB Home Enrich rate row is labelled floating but does not identify a named benchmark or spread.
Value awaiting review
The page does not state a rupee minimum-income amount. It requires steady income and at least three years of confirmed service/experience
after the proposed , NTHP must be at least 40% where annual income is up to ₹15 lakh, or at least 30% and ₹6 lakh annual take-home pay where income is above ₹15 lakh.
Resident individual or owner of a residential dwelling with current title/tax evidence
salaried, business, professional, self-employed and pensioner applicants with steady income and at least three years of confirmed service/experience. Entry age 18, maximum entry age 65 and maximum exit age 70.
₹1 lakh minimum and ₹10 lakh maximum.
Maximum repayment period 10 years. Holiday period lasts until repairs/renovation is complete or three months from disbursement, whichever is earlier
holiday-period interest must be serviced monthly.
1% of loan amount, minimum ₹5,000 and maximum ₹15,000
nil for takeover cases under the shared Home Improve/Home Enrich schedule.
Secured home-improvement loan for household articles, interiors, appliances, solar systems and related residential improvements.
8.15%–9.55% p.a. floating for IB Home Improve in Indian Bank's current personal-segment rate table dated 14 August 2026.
The IB Home Improve row is labelled floating but the current official table does not identify a named benchmark or spread.
Value awaiting review
No separate rupee minimum is published. Take-home-pay eligibility is stated to be the same as the applicable Indian Bank Home Loan scheme.
Existing resident or non-resident Indian Bank Home Loan borrowers, including staff, and prospective Home Loan borrowers who are salaried, professional or business class. Take-home-pay rules follow the applicable Home Loan scheme.
Up to 36 times gross monthly income, subject to a maximum of ₹3 crore (₹300 lakh). Spouse or adult-child income may be included where the page's conditions are met.
Maximum 120 months with no holiday period.
1% of the loan amount, minimum ₹5,000 and maximum ₹15,000 under the current Indian Bank personal-segment processing-fee schedule
7.15% to 8.55% p.a. floating for IB Home Loan and IB Home Loan () in Indian Bank's rate table dated 14 August 2026
the applicable rate varies by borrower and lending slab.
The official rate table classifies this as a floating rate but does not name a benchmark (such as RBLR or ) for the product row.
Value awaiting review
If applicants' gross annual income is up to ₹15 lakh, take-home income must be at least 40% of gross annual income. Above ₹15 lakh gross annual income, net take-home pay must be at least ₹50,000 per month.
Salaried class, businessmen, professionals/self-employed and pensioners. Entry age is 18 years
salaried applicants must meet the stated employer/service conditions, non-salaried applicants need at least 3 years' business/professional experience, and pensioners need adequate income to service the loan.
The current IB Home Loan page does not state a universal rupee ceiling. Eligible finance is determined from the published income test, property value, margin and repayment-capacity rules.
General home loan maximum 30 years including the holiday period
repairs and renovation maximum 10 years. Commercial-real-estate home loan is up to 30 years for salaried and 25 years for non-salaried applicants.
₹1,500 for loan amount up to ₹25 lakh
₹2,500above ₹25 lakhup to ₹75 lakh
₹5,000above ₹75 lakh. Nil for takeover cases
is recovered separately.
Nil prepayment charges for the home-loan route in the current Indian Bank retail charge schedule.
Home-loan overdraft () facility linked to an IB Home Loan scheme.
0.40% p.a. over the applicable under the respective IBHL scheme, based on the borrower's current / score and extant guidelines.
The applicable IBHL scheme is the reference rate
the Flexi page adds a 0.40% p.a. spread and does not name a separate benchmark.
Value awaiting review
No minimum income amount is published. The page requires an average balance of ₹25,000 in a savings or current account.
Prospective or existing Indian Bank home-loan customers. Conversion of an existing term loan requires a fully disbursed limit of at least ₹25 lakh, outstanding of at least ₹10 lakh, no moratorium, repayment started, standard IRAC status, no SMA status and perfected security
staff housing loans are excluded.
Minimum ₹25 lakh
no upper limit is published on the IB Home Loan Flexi page.
A maximum repayment tenure is not stated on the reviewed Flexi page
servicing and drawing-power reduction follow the underlying IBHL arrangement.
7.65% to 8.75% p.a. floating for IB Home Loan Plus in Indian Bank's rate table dated 14 August 2026
the applicable rate varies by borrower and lending slab.
The official rate table classifies this as a floating rate but does not name a benchmark (such as RBLR or ) for the product row.
Value awaiting review
If gross annual income is up to ₹15 lakh, take-home income must be at least 40% of gross annual income. Above ₹15 lakh, net take-home pay must be at least ₹50,000 per month.
Existing resident or Indian Bank home-loan borrowers, including HL-, IB Home Advantage and repair/renovation borrowers, with at least 12 regular , no SMA-2 in the last year or history, possession of the property and a valid mortgage. Minimum score is 700 (equivalent score may be considered).
Minimum ₹1 lakh and maximum ₹10 crore. The first top-up is calculated at 75% of realisable sale value less home-loan outstanding
subsequent top-ups deduct previous IB Home Loan Plus outstanding as well.
Term loan maximum 15 years. Step-down overdraft is liquidated over a maximum of 15 years through equal monthly deductions.
1% of the loan amount, minimum ₹5,000 and maximum ₹15,000
Overdraft facility in the Indian Bank savings account into which the customer's salary is credited.
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.
Value awaiting review
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.
₹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.
Value awaiting review
No separate prepayment charge is published
the facility is repayable on demand and reviewed annually.
9.15% to 10.00% p.a. floating for Sovereign Gold Bond loans in Indian Bank's current personal-segment rate table dated 14 August 2026.
The current Sovereign Gold Bond rate row is labelled floating but does not identify a named benchmark or spread.
Value awaiting review
No minimum income amount is published
eligibility is tied to ownership of eligible Sovereign Gold Bonds and branch appraisal.
Holder of Sovereign Gold Bonds issued by the on behalf of the Government of India
application must be made through the branch where the was obtained.
Minimum ₹25,000
no maximum loan amount is published. Eligible finance is 70% of the preceding 30-day average 24-carat gold price quoted by the India Bullion and Jewellers Association.
One year, with bullet repayment of principal and interest at the end of the term.
Unsecured personal loan for eligible government, family and Indian Bank pensioners, supported by pension-account recovery and a guarantor.
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.
Value awaiting review
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.
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.
Nil for loan amounts up to ₹25,000
₹250above ₹25,000 under the current Indian Bank personal-segment processing-fee schedule.
Secured residential plot-purchase loan for an ownership-based house site in an approved layout.
8.15%–9.55% p.a. floating for Plot Loan and Plot Loan () in Indian Bank's current personal-segment rate table dated 14 August 2026.
The Plot Loan row is labelled floating but the current official table does not identify a named benchmark or spread.
Value awaiting review
No separate rupee minimum-income amount is published. The bank applies Home Loan recognition-of-income and net-take-home-pay rules
salaried quantum uses 36 times gross monthly income and professional/business quantum uses three times average two-year annual net income.
Eligible resident and persons meeting the Indian Bank Home Loan recognition-of-income, age and NTHP rules, purchasing an ownership-based house site in a competent-authority-approved layout. / cannot purchase plots in rural areas
the site must be protected and accessible.
Maximum ₹12 crore (₹1,200 lakh) in metro areas. Area caps are ₹1 crore rural, ₹2 crore semi-urban, ₹6 crore urban and ₹12 crore metro
cannot exceed 75%.
Maximum 180
no holiday period is allowed.
Residents: 1% of loan amount, minimum ₹5,000 and maximum ₹15,000. plot-loan cases: ₹25,000 plus , under the current Indian Bank 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.
Value awaiting review
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.
The lower of 2.50 times the lowest gross annual income during the last two years or ₹30 lakh.
Secured term finance against rent receivables from leased residential or commercial property.
8.75%–10.25% p.a. floating under the current Indian Bank personal-segment rate table.
The current rate table labels the rate floating but does not name a benchmark or spread.
Value awaiting review
No separate salary or annual-income threshold is published
eligibility is tied to qualifying property, rent receivables, lessee and lease-period criteria.
Owner of residential or commercial property let or proposed to be let to an eligible tenant
amount depends on rent, lessee category, centre and unexpired lease period.
High-grade lessee: up to ₹5 crore in Tier I/II centres and ₹2 crore in other centres
other lessees: up to ₹2 crore in Tier I/II centres and ₹1 crore in other centres, subject to the published rent and lease-period limits.
High-grade lessee cases: maximum 120 months
other-lessee cases: maximum 84 months, or the residual lease period where shorter.
1% of the loan amount under the current personal-segment processing-fee schedule.
For individuals, term-loan prepayment is nil. For non-individuals, term-loan and overdraft prepayment is 2% plus on the higher of outstanding balance or drawing limit.
9.45% p.a. floating for IB Skill Loan in Indian Bank's current personal-segment rate table dated 14 August 2026.
The current IB Skill Loan rate row is labelled floating but does not identify a named benchmark or spread.
Value awaiting review
Value awaiting review
Indian national with admission or minimum qualification for an NSQF-aligned or eligible non-NSQF course from an ITI, polytechnic, recognised school/college, NSDC or state skill partner, or a training entity onboarded on Skill India Digital Hub. No specific age restriction
parent executes documents for a minor.
₹5,000 minimum and ₹7.50 lakh maximum.
Up to 3 years for loans up to ₹50,000
up to 5 years for loans above ₹50,000 and up to ₹1 lakh
up to 7 yearsabove ₹1 lakh.
Nil processing fee for Educational Skill Loan under the current Indian Bank schedule.
Vehicle loan covering new car, new two-wheeler and used-car finance.
7.55% to 8.85% p.a. floating for IB Vehicle Loan in Indian Bank's current rate table
separate rows also list Eco Vahan at 7.50%–8.75%, used-car purchase at 9.55%–11.65% and two-wheelers at 8.90%–10.40%.
The current vehicle-loan rate rows are labelled floating but do not identify a named benchmark or spread.
Value awaiting review
New car: salaried gross monthly income ₹25,000
pension ₹20,000 monthly
professional/self-employed/business net annual income ₹3 lakh. New two-wheeler: salaried net salary ₹10,000
pension ₹10,000
professional/self-employed/business net annual income ₹1.50 lakh. Used car: salaried net salary ₹20,000
pension ₹20,000
professional/self-employed/business net annual income ₹3 lakh. Firms and companies must have generated net profit during the last two years.
Salaried, professional, businessman, self-employed, , pensioner and eligible bank employees with NOC can apply, subject to the vehicle-specific income table and the bank's appraisal.
New car up to ₹5 crore
new two-wheeler up to ₹10 lakh
used car up to ₹3 crore.
New car maximum 84 months
new two-wheeler maximum 48 months
used car maximum 72 months.
New car: ₹1,200 plus . New two-wheeler: 1% of loan amount. Used car: 1% of loan amount, capped at ₹10,000
applies as stated in the schedule.
Nil prepayment charge for individual borrowers
2% of outstanding balance for non-individual borrowers, as stated on the current vehicle-loan page.
the borrower must provide three years' /balance sheet where applicable and demonstrate cash flow/.
Agro/food-processing, agriculture-infrastructure, animal-husbandry, large dairy/poultry, tea and other large agriculture units with three-year financial records, cash flow/ and SARFAESI-compliant mortgaged property.
three years' /balance sheet and cash flow/ assessment are required.
Agro/food-processing, agriculture-infrastructure, animal-husbandry, dairy, poultry, tea and other large agriculture units with three-year financial records, cash flow/ and SARFAESI-compliant mortgaged property
40% security-value margin applies.
₹10 crore maximum.
Maximum 120 months door-to-door
drawing power reduces monthly to liquidate the overdraft by the end.
Property-backed mortgage loan (loan against property).
Floating rate: Ind Mortgage term loan 8.95%–10.35% p.a.up to ₹7.50 crore and 9.00%–10.85%above ₹7.50 crore
overdraft 9.95%–11.60% p.a., per Indian Bank's current table dated 14 August 2026.
The current Ind Mortgage rate rows are labelled floating but do not identify a named benchmark or spread.
Value awaiting review
No rupee minimum-income amount is published. Salaried applicants need at least three completed years of service
other individuals and businesses are assessed on income level and cash flow
pensioners must draw pension through an Indian Bank branch.
Permanent salaried employees with three years' service
self-employed professionals, traders, businessmen, sole proprietors, firms and companies based on income/cash flow
pensioners receiving pension through Indian Bank
and eligible for permitted bankable purposes. Minimum entry age is 18
exit age is 60 for salaried applicants and 70 for other individuals.
₹5 lakh minimum and proposals up to ₹25 crore (₹2,500 lakh). Proposals above ₹25 crore are considered by the corporate-office committee within delegated powers.
Normally up to 84 months with no holiday period
may be extended to 180 months for specified salaried employers or Tier I/II property locations, subject to ZLCC approval and the page's account-routing conditions.
1% of the loan amount under the current Ind Mortgage Scheme charge schedule
is recovered separately.
Term loan: nil for individuals and 2% of balance outstanding for non-individuals. Overdraft: 2% of balance outstanding irrespective of borrower type.
Secured term loan or overdraft against pledged gold jewellery.
Jewel Loan (Non-Priority) term loan with bullet repayment: 9.10% p.a. floating in Indian Bank's current rate table dated 14 August 2026. The current table lists the separate -against-gold-jewels rate under the product.
The Jewel Loan term row is labelled floating but the current official table does not identify a named benchmark or spread.
Value awaiting review
No rupee minimum income is published. For retail jewel loans up to ₹2.50 lakh, the bank may use the borrower's income declaration or proof
above ₹2.50 lakh, valid , Form 16 or other income proof is mandatory with detailed repayment-capacity assessment.
General public, women applicants, senior citizens and Indian Bank staff
existing and new customers. Entry age is 21 years and exit age is 70 years. Gold must be pledged and the stated income-assessment rules apply.
Retail jewel loans are capped at ₹25 lakh per customer, with an aggregate customer ceiling of ₹50 lakh across the published agriculture/retail/ jewel-loan limits. Up to five jewel loans may be held at one time.
Bullet repayment: maximum 12 months, repaid at the end of the 12th month with accrued interest. repayment: maximum 35 months, with beginning in the month after disbursement.
Nil under the current Indian Bank schedule for Jewel Loan (Non-Priority).
Joint Liability Group () group loan for agriculture, allied agriculture and eligible non-agriculture activity.
Applicable Indian Bank lending rate
the page publishes no product-specific percentage or spread. The current benchmark sheet lists one-year at 8.85% effective 03 August 2026, but the applicable spread is not stated.
Indian Bank lending rates
the 03 August 2026 benchmark sheet lists one-year at 8.85%. Product-specific spread is not published.
Value awaiting review
Value awaiting review
of tenant or small farmers without proper land title, with similar economic status and a joint-liability agreement
members must have at least one year of agricultural activity, must not be defaulters and must not be from the same family. Micro entrepreneurs, artisans and members are also listed.
Agriculture, allied-agriculture and non-agriculture activity: group maximum ₹10 lakh, subject to ₹1 lakh per individual. Tenant and oral-lessee groups: group maximum ₹5 lakh, subject to ₹50,000 per individual.
Six to 60 months, depending on the activity for which the loan is sanctioned.
Revolving cash-credit limit for animal husbandry and fisheries activities.
Up to ₹2 lakh: 7% p.a. where interest subvention is available. Up to ₹3 lakh: (one-year) + 2.50%
above ₹3 lakh refer the bank's lending-rates link.
(one-year) plus 2.50% for the published up-to-₹3 lakh card-rate band
subvention may set the rate up to ₹2 lakh where available.
Value awaiting review
No income threshold is published
the page uses eligible activity, farmer// status and scale-of-finance assessment.
Individual or joint-liability-group farmers and self-help groups, including tenant farmers, engaged in dairy, poultry, inland fisheries, aquaculture or marine fisheries.
No universal maximum is published
the quantum is based on the District Level Technical Committee scale of finance.
Revolving cash-credit limit
repayment is fixed according to activity cash flow/income-generation pattern, with all generated cash routed through the cash-credit account.
Revolving cash-credit limit for short-term crop cultivation.
1-year + applicable spread
the shared agri rate card does not publish the Gold Plus spread
is referenced, but no numeric spread is printed.
Value awaiting review
No income threshold is published
the product is for individual owner-cultivator farmers assessed on DLTC scale of finance.
Individual farmer who is an owner cultivator
quantum follows the District Level Technical Committee scale of finance and gold security applies under the jewel-loan structure.
₹25 lakh.
Revolving cash-credit limit
no fixed month/ year maximum is published, and cash generated must be routed through the account.
For agricultural jewel loans, up to ₹50,000: nil
above ₹50,000: 0.20% of loan amount with minimum ₹200. The official footnote specifically applies 0.20% to Gold Plus and Marine Gold limits above ₹3 lakh
the digital journey supports fresh sanction and renewal for eligible existing customers.
Digital : 7% p.a.up to ₹3 lakh under the Government of India interest-subvention scheme until the renewal due date or one year from sanction, whichever is earlier. If not repaid or renewed by then, the states (1-year) + 2.50% spread
prompt-repayment incentive applies subject to the scheme continuing.
(one-year) with a 2.50% spread is the stated post-due formula for the digital account
subvention-supported components are charged at the Government scheme rate while eligible.
Value awaiting review
No income threshold is published for or Digital . Digital applicants must be existing Indian Bank customers with individual land holding recorded in their name and meet the published credit and prerequisites.
Digital prerequisites: existing Indian Bank customer, minimum age 18, updated, registered mobile, e-/Re- verified , no live or /written-off/settled account, CIBIL score at least 730 or CRIF score at least 717, individual land holding in the applicant's name matching Government land records. Digital facility is listed for Tamil Nadu, Uttar Pradesh, Maharashtra, Madhya Pradesh, Odisha, Chhattisgarh and Andhra Pradesh.
Digital currently supports up to ₹2,00,000 (the fifth-year limit)
higher limits can be requested offline. Digital renewal combines a customer's up to ₹2,00,000 and permits 10%, 20% or 30% annual enhancement subject to eligibility and a ₹2,00,000 ceiling.
documentation covers five years subject to annual renewal. A digital account becomes eligible for renewal from nine months after limit setting and within four yearssix months of account opening
digital renewal can be selected from the second year onward.
No processing charge is collected for the Digital journey. verification, digital-documentation and state stamp-duty charges are collected at actuals where applicable.
Borrowers engaged in listed allied activities such as dairy, fisheries, livestock, poultry, apiary, sericulture, mushroom cultivation or farm-implement maintenance
limit follows activity and Scale of Finance plus 20%
gold coverage is 115% for six-month allied products and 120% for monthly or 12-month products.
₹50 lakh aggregate.
Running limit
renewable every year or half-year based on activity, with request-based renewal after interest payment.
Agriculture jewel loan: up to ₹50,000 nil
above ₹50,0000.20% of loan amount with minimum ₹200. The fee schedule footnote applies 0.20% to Marine Gold above ₹3 lakh
Term loan for agriculture infrastructure and post-harvest/community assets.
(one-year) + 1.00%, subject to a maximum of 9.00% in the shared official agriculture-rate table
3% p.a. interest subvention applies up to ₹2 crore for up to seven years.
(one-year) + 1.00%, capped at 9.00% in the reviewed rate table.
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Farmers, , PACS, , , cooperatives, agriculture entrepreneurs/startups and government or PPP agencies developing eligible post-harvest or community farming infrastructure.
Based on project cost
benefits apply up to ₹2 crore, while sanctions above ₹2 crore may be made with benefits restricted to ₹2 crore.
Maximum seven years including a holiday period of up to two years.
Up to ₹25,000: nil
above ₹25,000: as per the agriculture service-charge circular.
a mature DAY-NRLM , regular repayment record and score meeting bank guidelines are required.
Individual woman entrepreneur from a well-functioning DAY-NRLM-sponsored mature active at least two years, with credit-linked regular repayment, DAY-NRLM reference code, NRLM/SRLM forwarding letter and score per bank guidelines
Secured term loan or overdraft against , , Relief Bonds or eligible policies.
9.50% p.a. floating for loans/overdrafts against , , policy or Relief Bonds in Indian Bank's current rate table dated 14 August 2026.
The current securities-backed rate row is labelled floating but does not identify a named benchmark or spread.
Value awaiting review
No minimum income amount is published
the bank appraises the customer's capacity to service principal and interest and asks for salary or evidence.
Properly introduced customers, including staff, VRS/retired staff, corporates and reputed partnership firms, whose repayment capacity is appraised
minimum entry age 18 years. Eligible securities must be in the applicant/borrower's name and money-back policies are excluded.
Term loan minimum ₹10,000 with no upper ceiling
overdraft minimum limit ₹2 lakh with no upper ceiling, subject to prescribed margins.
/ Relief Bond finance: up to 5 years or instrument maturity, whichever is earlier. policy advance: up to 6 years or policy maturity, whichever is earlier.
Up to ₹1 lakh: nil. Above ₹1 lakh: ₹500 under the current Indian Bank schedule for loans against / Bonds.
Term loan: nil for individuals and 2% of balance outstanding for non-individuals. Overdraft: 2% of balance outstanding irrespective of borrower type.
Secured term loan, overdraft or Visa/RuPay credit card against an eligible Indian Bank term deposit.
For term loan and overdraft, 1 percentage point above the applicable interest rate on the pledged term deposit. The credit-card facility does not have a separate rate stated on this page.
The term-loan and overdraft rate is linked to the applicable rate of the pledged Indian Bank term deposit
no separate lending benchmark is named.
Value awaiting review
No income threshold is published. Eligibility is based on holding an eligible unencumbered Indian Bank term deposit and satisfying the account-operation and identification conditions.
Individual customer holding an unencumbered Indian Bank term deposit in Self or Either or Survivor mode, with valid Aadhaar and registered mobile available in for online mode. Variable recurring deposits, minor deposits and tax-saver deposits are excluded
one deposit cannot support multiple facilities.
Online mode: lower of 90% of the deposit value and ₹10 lakh. Branch mode: up to 90% of the accrued deposit value, with a 10% margin
the facility cannot run beyond deposit maturity.
Branch term-loan repayment is flexible but cannot extend beyond the maturity date of the pledged term deposit. The online page does not state a separate instalment tenor.
Revolving overdraft secured by pledged gold jewellery.
8.50%–8.80% p.a. floating for the non-priority against Gold Jewels row in Indian Bank's current rate table dated 14 August 2026.
The -against-gold-jewels row is labelled floating but the current official table does not identify a named benchmark or spread.
Value awaiting review
No income threshold is published. The is secured by pledged jewels and is assessed against the published value and per-gram advance rules.
General public, women applicants and the listed COVID-warrior/public-service groups including healthcare professionals, sanitation staff, police/home guards, Anganwadi/ASHA, Dak Sewak, fire staff, ex-servicemen and NSS volunteers. Minimum entry age is 21 years.
₹25,000 minimum and ₹10 lakh maximum overdraft limit
eligible amount is the lower of 75% of market value of pledged jewels and the per-gram advance value.
The overdraft is renewed within one year of original or latest sanction, with withdrawals permitted within the limit and interest serviced as charged.
Nil under the current Indian Bank schedule for against Gold Jewels.
eligibility is based on fisheries-sector applicant and project criteria.
Fishers, fish farmers/workers/vendors, fisheries corporations/cooperatives/federations, /, FFPOs/ and private firms undertaking aquaculture, mariculture, fisheries infrastructure or value addition.
Demand loan (term loan or working capital) against electronic Negotiable Warehouse Receipts.
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No income threshold is published
eligibility depends on farmer-producer status, own harvested produce and eNWR conditions.
Farmers who own the harvested produce, are from the warehouse hinterland, do not store speculatively, have no duplicate finance on the produce and pledge an eNWR
an existing crop loan is adjusted from proceeds.
₹1 lakh minimum and ₹75 lakh maximum per borrower.
Within the approved commodity period and shelf-life, subject to a maximum of 12 months.
Reverse mortgage loan secured by an eligible self-occupied residential property.
9.40% p.a. floating for Reverse Mortgage Loan in Indian Bank's current personal-segment rate table dated 14 August 2026.
The current Reverse Mortgage rate row is labelled floating but does not identify a named benchmark or spread.
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Senior citizen above 60 years, or a married joint-borrower couple where one is above 60, owning a self-acquired, self-occupied principal residential property in India with clear title, no encumbrance and residual life above 20 years.
Maximum loan amount ₹75 lakh. A medical-expense lump sum can be up to 20% of eligible loan amount, capped at ₹15 lakh
the balance is paid as monthly annuity.
Up to 15 years, with provision to roll over after revaluation on fresh terms.
0.30% of the loan limit under the current Indian Bank retail processing-fee schedule.
Prepayment is available without pre-payment charges.
Unsecured clean salary loan available as a term loan or overdraft.
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.
Value awaiting review
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.
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.
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.
Direct credit linkage, with corpus/-based staged term or working-capital credit.
Value awaiting review
The page references but does not publish a current numeric spread or benchmark formula.
Value awaiting review
No income threshold is published
eligibility is an with corpus, linkage-stage and credit-history assessment.
Self Help Groups
first linkage is based on six times corpus or ₹1.50 lakh minimum, second on eight times reviewed corpus or ₹3 lakh minimum, and third on an and previous credit history.
Third linkage has a minimum ₹6 lakh based on the and credit history
new units need satisfactory promoter track record, group affiliation and viable project, while existing units need consistent net profit for at least two years.
Based on project cost
no universal maximum is published.
Term loans up to seven years with up to 12-month holiday
working capital one year with annual renewal.
As per the service-charge circular for agricultural advances
prior successful Tarun-category repayment and eligibility are required.
Existing unit/project that successfully repaid a Tarun loan above ₹5 lakh and up to ₹10 lakh, undertaking -eligible agriculture-allied or agro-processing activity
20% promoter contribution and mandatory / coverage apply.
Above ₹10 lakhup to ₹20 lakh
minimum is above ₹10 lakh.
Term-loan repayment up to 84 months
the page does not publish a separate working-capital tenor.
Processing, documentation and other charges apply as per the bank's service-charges circular
Secured loan against pledged gold jewellery/ornaments
the page permits legitimate personal or business use, but excludes speculative land/gold purchases, capital-market investments and anti-social purposes.
FY2026–27: 10.01%–15.50% p.a.
average 11.56%. The page does not show a current-quarter range
the borrower's fixed rate is stated in the sanction letter.
Fixed rate stated in the sanction letter
calculated per annum with monthly rests. The applicable rate and payment dates follow the sanction terms.
FY2026–27: 10.33%–15.82%
average 11.88%. This is a past-quarter disclosure, not a current personal quote.
Value awaiting review
Individual borrowers aged 18–75. The bank may request additional documents for sanction. No income proof is required for a loan up to ₹20 lakh, according to the product page.
Up to ₹1 crore.
Up to 36 months.
Processing: up to 1% of loan amount + . Gold valuation: ₹750 + for loans up to ₹2 lakh
The Schedule of Charges says 1% + on the outstanding loan amount for foreclosure and part-prepayment. The agreement template's schedule says 1% of the amount being paid
the percentage base conflicts and must be confirmed in the sanction documents.
PNB lists rupee loans against at + or for the depositor, and the same benchmark plus 1 percentage point for a third-party deposit. Foreign-currency loans against / in India are priced case by case by Treasury.
8.35% effective 8 October 2026
8.00%–9.10% by tenor effective 1 October 2026. These are bank benchmarks, not an advance's all-in rate.
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For borrowing against an (B) deposit. PNB also says the deposit holder may avail the loan for a third party
third-party advances carry separate margin rules.
Deposit-backed
margin is 10%–30% by remaining maturity for a depositor advance, and 20%–30% for a third-party deposit advance. No fixed rupee ceiling is stated.
1–5 years, or as per the terms and conditions at sanction.
Value awaiting review
NIL for advances against the bank's own deposits or liquid securities when sanctioned or renewed on or after 1 January 2026.
Candidates aged 18–60 with the listed agriculture/allied qualifications: relevant agricultural-university or recognized-university graduates
specified diploma/postgraduate-diploma holders
agriculture/allied postgraduates
degrees with over 60% agriculture/allied course content
specified biological-sciences graduates with qualifying agriculture diplomas
or agriculture-related intermediate courses with at least 55% marks. Certain other-agency degrees/diplomas require Government approval on State recommendation.
Need-based, depending on financial viability and technical feasibility.
Five to 10 years, including a project-specific grace period of up to two years. Instalments may be monthly, quarterly, half-yearly or yearly according to project income and the applicable credit scheme.
Value awaiting review
For a non-individual borrower shifting a term loan to another bank/financial institution, PNB's current tariff lists 2% of the amount prepaid. For cash-credit/overdraft closure before its due date, it lists 2% of the sanctioned limit
that charge is waived if written non-renewal notice is given at least 3 months before the due date and the facility closes on that date. The tariff also lists exemptions, including eligible floating-rate loans to individuals/ and loans prepaid from the borrower's own sources
Loans up to ₹2 crore: 6-month +1%, capped at 9.00% p.a. With PNB's 6-month at 8.65% from 1 October 2026, the current capped rate is 9.00% p.a.Above ₹2 crore: 1-year plus a spread linked to internal and external risk ratings.
Up to ₹2 crore: 6-month +1%, capped at 9.00% p.a.
above ₹2 crore: 1-year plus the published internal/external risk-rating spread.
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PACS, marketing cooperatives, , , , farmers, multipurpose cooperatives, agri-entrepreneurs, start-ups, and central/state/local agencies or their sponsored PPP projects. Digitized PACS receive preference.
Need-based on the project's cost and total financial outlay
no single rupee ceiling is stated in the bank scheme sheet. For loans above ₹2 crore, interest subvention remains limited to ₹2 crore.
8–10 years including a 6-month to 2-year moratorium, decided case by case based on total project outlay.
Need-based agriculture finance for eligible apiculture/beekeeping units.
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Small/marginal farmers, agricultural-labourer individuals, associations of persons and companies with adequate beekeeping experience may apply. The minimum unit is 10 bee hives.
Need-based at unit cost approved by KVIC, or the State Government. The amount depends on unit size, colony count, equipment and comb-foundation-sheet costs. The sheet gives no fixed rupee ceiling.
5 years including a 12-month gestation period.
Value awaiting review
For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
Farmers: demand loan against each physical Warehouse Receipt (WHR). Food/agro manufacturers: demand loan or cash credit
cash credit is for 12 months subject to annual renewal.
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Farmers: existing PNB /short-term crop-loan borrowers and original depositors of non-perishable agricultural commodities. Food/agro manufacturers: existing PNB borrowers with satisfactory credit history and original depositors of non-perishable agricultural commodities
Udyam registration is not mandatory. Food/agro traders: existing PNB borrowers with satisfactory credit history (traders, arthiyas, exporters/importers) and original depositors of non-perishable agricultural commodities
Udyam registration is mandatory.
Farmers: ₹50 lakh
food/agro-manufacturing sole proprietors: ₹25 crore
other food/agro-manufacturing entity forms: need-based. The food/agro-trading cell contains no amount in the reviewed table.
Farmers: each physical-WHR demand advance must not exceed 12 months. Food/agro manufacturers: each physical-WHR demand advance must not exceed 12 months
cash credit is for 12 months subject to annual renewal, and each receipt advance must not exceed 12 months. The food/agro-trading cell contains no tenure in the reviewed table.
Value awaiting review
For a non-individual borrower shifting to another bank/FI, PNB's current tariff charges 2% of the sanctioned limit if a cash-credit/overdraft facility is closed before its due date. No such charge applies if written notice of non-renewal is given at least 3 months before the due date and the facility closes on that date. The tariff lists exemptions for qualifying floating-rate individual/ borrowers and other stated cases
applicability depends on borrower, facility, rate type and takeover circumstances. The scheme sheet lists demand loan/cash credit, not term loan.
Borrower must have enough cattle for the proposed plant. Since the plant's apparent income is fuel savings, repayment capacity must be supported by another income source. Project must be sponsored by KVIC, a State Agro Industrial Corporation or the concerned State department.
Need-based term loan for cold-storage and horticulture-produce storage projects.
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Natural person, group of individuals or legal person including partnership firm, trust, cooperative society, registered society, company, , , cooperative, APMC, marketing board/committee, municipal corporation/committee or agro-industries corporation. Current eligibility amendments dated 21 August 2026 could not be opened
this is the applicant list from PNB's linked sheet only.
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Up to 9 years, including a grace period of up to 2 years
Farmers must be able to maintain and operate the combine harvester or arrange for this. Non-farm applicants must be technically qualified with adequate know-how, skill and management ability to run a custom-service unit. State agriculture farms/corporations engaged in land development must have adequate resources and command area to operate and maintain the machine.
Need-based. PNB says the combine-harvester cost must be verified so it is not inflated
it publishes no fixed rupee ceiling on this page.
Five to seven years, in half-yearly or yearly instalments depending on income generation.
Individuals, organisations and institutions eligible to receive agriculture credit under the bank's extant guidelines.
Both term loan and working capital are need-based. Working capital is subject to a maximum of 50% of projected receipts and a maximum of 66% of the realisable value of mortgaged immovable property.
Term loan: maximum seven years including a gestation period of up to one year. Working capital: sanctioned for one year, subject to annual renewal or review.
Need-based dairy investment finance for animals, calves, sheds, processing facilities and other listed animal-husbandry activities.
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Subsidiary activity: an individual landless agricultural labourer or farmer with dairy experience, adequate fodder supply and animal accommodation. Main activity: an individual with experience running a commercial dairy farm, accommodation for sheds and arrangements to grow/store fodder and concentrates.
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5 years in monthly or quarterly instalments linked to the lactation period. Cross-bred calf rearing has a 30-month moratorium.
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PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
Concessional loan for a productive or gainful activity
4% p.a.
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Applicant must own no land, or hold no more than 1 acre irrigated or 2.5 acres un-irrigated
eligible SC/ST borrowers may apply irrespective of landholding if other criteria are met. Family income from all sources must not exceed ₹18,000/year in rural areas or ₹24,000/year in urban/semi-urban areas. Beneficiary should largely work personally/with family and should have no other finance source while the DRI loan exists.
Applicant must own no land, or hold no more than 1 acre irrigated or 2.5 acres un-irrigated
eligible SC/ST borrowers may apply irrespective of landholding if other criteria are met. Family income from all sources must not exceed ₹18,000/year in rural areas or ₹24,000/year in urban/semi-urban areas. Beneficiary should largely work personally/with family and should have no other finance source while the DRI loan exists.
Need-based agriculture finance for draft animals and animal-drawn carts
the scheme publishes repayment periods by financed animal/cart type.
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Farmers must own at least 2 acres or hold perpetual cultivation rights over at least 2 acres. No landholding requirement applies to landless labourers or DRDA-sponsored cases. Only young, healthy animals aged 2–6 years are financed
the age is the animal's age, not the applicant's.
Need-based, using the -approved unit cost and the borrower's repayment capacity. The scheme sheet gives no fixed rupee ceiling.
Bullocks only: 4 years
he-buffaloes with drawn cart (Jhota Bhuggies): 4–5 years
camel only: 5 years
bullock/animal-drawn cart or camel with cart: 5–7 years.
Value awaiting review
For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
Existing or fresh customers with satisfactory credit history (traders, arthiyas, exporters/importers), original depositors of non-perishable agricultural commodities
Udyam registration is mandatory.
Individual (other than farmer) and sole proprietorship: up to ₹25 crore. Partnership, private limited, public limited and other listed entity forms: need-based
minimum ₹2 lakh.
Maximum 12 months.
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For a non-individual borrower shifting to another bank/FI, PNB's current tariff charges 2% of the sanctioned limit if a cash-credit/overdraft facility is closed before its due date. No such charge applies if written notice of non-renewal is given at least 3 months before the due date and the facility closes on that date. The tariff lists exemptions for qualifying floating-rate individual/ borrowers and other stated cases
applicability depends on borrower, facility, rate type and takeover circumstances. The scheme sheet lists demand loan/cash credit, not term loan.
Only individuals, joint borrowers and proprietorship firms. The purchaser must meet state agriculturist criteria, have a good track record and relevant experience, be financially sound and able to bring margin and service debt. Existing yielding estates/orchards are expected
non-owners may be considered if able to develop the estate on the desired lines and state law permits. Areca purchases carry state income criteria. Purchaser and seller should normally not be close relatives
total landholding including the purchase must remain within state ceiling limits. The estate/orchard must have potential to absorb substantial developmental credit.
Agriculture term loan for farm-house construction or repair.
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After the proposed scheme instalment, net take-home must be at least 40% of gross annual income and at least ₹1.5 lakh per year.
Fresh and existing owner-cultivators may apply. Existing borrowers need a satisfactory 3-year PNB track record and no overdue on any loan. A fresh borrower must also be sanctioned a and mortgage the entire land to PNB. The land portion must have independent access
the applicant needs adequate utility for the proposed construction and sufficient disposable income from agriculture and other sources
a co-obligant may be considered
repayment must end by age 70
and the structure must not hinder existing, future or allied agriculture.
Construction: need-based up to ₹15 lakh. Repair: up to ₹5 lakh, included within the combined ₹15 lakh scheme ceiling. Final quantum depends on income flow and repayment capacity
the borrower funds the gap between project cost and eligible loan.
Construction: up to 20 years or until borrower age 70, whichever is earlier. Repairs: up to 5 years or until age 70, whichever is earlier.
Agriculture equipment term finance, including a separate tractor-finance route without mortgage of land.
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Main machinery route: at least 2.5 acres of perennially irrigated land for tractors (or equivalent acreage under the State Land Ceiling Act)
at least 1.5 acres for power tillers
tractor repairs are for tractors over five and not over 12 years old
second-hand tractors must be no more than five years old
the tractor must be driven by a person holding a valid driving licence. Separate tractor route without mortgage of land: individual farmer with at least 2.5 acres of perennially irrigated land (or equivalent) and no record in the previous three years.
Main route: need-based net of margin
up to ₹1 lakh for tractor repair/renovation and up to ₹2 lakh for a second-hand tractor. The separate new-tractor route without land mortgage is need-based
no fixed rupee ceiling is stated.
Main route: tractor 7–9 years
second-hand tractor 5 years
power tiller 7 years
repairs/renovation 5 years
other machinery 7 years for small/marginal farmers and 5 years for other farmers. Instalments are half-yearly or yearly and linked to crop harvest/marketing
gestation is up to one year for small/marginal farmers and six months for others. Separate no-land-mortgage tractor route: up to 5 years in monthly, quarterly or half-yearly instalments
Circle Heads may extend 60 months to 72 months on merits. No moratorium is prescribed for this route.
the sheet also says repayment follows extant bank guidelines.
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The sets out two routes. guarantee coverage up to ₹1 crore requires: registration as an under the named Companies Act provision
member equity
at least 500 individual shareholders
at least 33% small, marginal or landless tenant-farmer shareholders
no individual non-institutional member holding above 5% of equity
an elected/nominated board of at least five with farmer representation and one woman
a management committee
and an 18-month business plan and budget. The second route is for registered under any statute
the gives no additional criteria in that section.
Need-based. The does not state an overall numeric loan ceiling. It says loans up to ₹1 crore may qualify for the specified collateral-free credit-guarantee coverage
this is not stated as the scheme's maximum facility amount.
Term-loan repayment follows bank guidelines based on purpose and income generation. Working capital runs for 12 months subject to annual renewal/review. Loans against NWR or for member-produce procurement are cleared within 12 months or sale of produce, whichever is earlier. follows extant bank guidelines.
Need-based vehicle loan for new two-wheelers, three-wheelers (carriers) and four-wheelers/LMVs.
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At least ₹2.50 lakh gross annual income applies only to dairy, poultry, plantation, horticulture or other allied-activity applicants seeking a 3/4-wheeler under the landholding exemption
it is not a universal scheme threshold.
New or existing farmers engaged in agriculture/allied activities with branch-assessed repayment capacity. Two-wheelers require direct agriculture/allied engagement. Three/four-wheelers normally require more than 1 acre of land in the applicant's name and 2 years of satisfactory bank dealings. For dairy, poultry, plantation, horticulture and other allied activities, the land threshold is waived if gross annual income is at least ₹2.50 lakh for a 3/4-wheeler. A branch may consider 1 acre where farm-produce transport use and economic viability are established.
Two-wheeler: up to ₹1 lakh
three-wheeler carrier: up to ₹3 lakh
four-wheeler LMV: up to ₹15 lakh. Each limit is need-based and subject to repayment capacity.
Two-/three-wheeler: up to 60 months. New four-wheeler: up to 84 months.
Need-based vehicle finance for agricultural transport
the sheet does not name one facility structure.
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Individual, Hindu Undivided Family or association of persons engaged in farming/allied activities
companies and cooperative societies are excluded. Minimum landholding is 3 acres for a truck, 2 acres for a light/medium vehicle such as jeep, pickup van or mini-truck, and 1 acre for a two-wheeler.
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Normally 60 months
Circle Heads may extend up to 72 months. Two-wheeler finance: maximum 5 years in 10 half-yearly instalments.
Need-based agriculture investment and working-capital facilities for inland/brackish-water and marine fisheries projects
the sheet does not name a single fixed facility structure.
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Inland/brackish-water applicants may be individual farmers, groups, cooperatives, companies or associations of persons with adequate know-how, experience/training and infrastructure
they must own the pond/land or hold a lease through project completion and have fishing rights for lake/reservoir projects. A water-quality report must accompany the application. Marine applicants may be technically qualified, experienced individuals, partnership firms or limited companies
deep-sea vessels require government permission to operate in the maritime zone.
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Pond fish culture: 5–8 years including 12 months' gestation, yearly repayment. Brackish-water fish/prawn culture: 5–10 years including 12 months' gestation, half-yearly repayment. FFDA-sponsored pond culture: 9 years with a 2-year repayment holiday. Non-mechanized boats/vessels: 6–7 years with 4 months' grace each year. Mechanized boats: 8–12 years with 4 months' grace each year.
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PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
the sheet also permits short-term production credit under the scheme.
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Applicant should own the required agricultural land
the site should be market-connected and have good-quality water, electricity and drainage. PNB may finance progressive farmers already using modern agricultural technology who have greenhouse experience/training, or existing greenhouse farmers expanding their units.
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Term loan: 5–7 years depending on loan amount, purpose and applicant request. Short-term production credit: 12 or 18 months under the scheme.
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PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
working-capital support follows the applicable scale of finance and marketing loans are a separate component.
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Individual farmers or groups need aptitude/adequate experience and the stipulated land, either owned or held as a long-term tenant/lessee with the lease extending at least 3 years beyond the project's economic life. Public-sector undertakings and private firms may seek project finance for fruit trees or other economic plants.
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4–15 years, inclusive of the gestation period.
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PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
PNB states interest is charged on a 365-day basis. The product row does not identify the applicable benchmark, tenor or , so this is a formula, not an all-in rate.
8.35% effective 8 October 2026
8.00%–9.10% by tenor effective 1 October 2026. These are bank benchmarks, not this loan's all-in rate.
Model B finances the group itself. Both use the mutual-undertaking mechanism.
Uses the interest rate applicable to the individual agriculture scheme under which the finance is extended
PNB publishes no single rate.
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Four to 10 individuals with similar socioeconomic background, generally in similar agriculture/allied activity, living in the same village/area/neighbourhood and able to take joint liability. A person who has previously defaulted to any formal financial institution cannot join
only one person from a family may belong to a given .
Need-based under both the individual-member and group-finance models.
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For a non-individual borrower shifting a term loan to another bank/financial institution, PNB's current tariff lists 2% of the amount prepaid. For cash-credit/overdraft closure before its due date, it lists 2% of the sanctioned limit
that charge is waived if written non-renewal notice is given at least 3 months before the due date and the facility closes on that date. The tariff also lists exemptions, including eligible floating-rate loans to individuals/ and loans prepaid from the borrower's own sources
the scheme sheet includes a cash-credit limit and working capital for allied activities, but does not define one facility type for every purpose.
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Existing good agricultural-land-owner borrowers must have continuously availed a loan and have no record for the previous 2 years as of application. New farmers may qualify with at least 2 years of satisfactory dealings with another bank
PNB says that track-record condition may be relaxed for new farmers with good deposits over the previous 2 years. Multiple owners of mortgaged land may be eligible jointly or individually after declaring that there is no family dispute about title or the charge in PNB's favour.
Up to ₹10 crore, further limited to the lower of 5 times the borrower's average annual total income over 2 years and 50% of the mortgaged-land value.
Housing: 9 years including 12 months' gestation. Main agricultural activity: up to 9 years. Allied agriculture: up to 7 years. Working capital for allied activities: 12 months. For cash credit, aggregate credits over the previous 12 or 18 months should equal the outstanding
a drawal should not remain outstanding for more than 12 months, or 18 months for long-duration crops.
All farmers, including small and marginal farmers, tenant farmers, oral lessees, sharecroppers and agricultural labourers indebted to non-institutional money sources. A certificate from the moneylender discharging total liability is not required.
₹1,00,000 as a term loan
need-based credit up to the stated maximum.
5–7 years, including a maximum 12-month moratorium
Two cash-credit components: crop-production and Krishak Unnati credit for agricultural/allied development.
The component follows PNB's terms
the current rate table lists regular outstanding up to ₹3 lakh at 7.00% p.a. No separate Krishak Unnati-component rate is named on the reviewed current rate page.
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Existing good agricultural land-owner borrowers who have borrowed continuously from PNB for two years and had no loan account classified during the preceding two years. Other scheduled-commercial-bank customers may qualify after two years of satisfactory dealings if none of their loan accounts was in the preceding two years
PNB obtains and reviews statements for all their loan accounts for the previous 12 months.
Up to ₹10 lakh
the umbrella limit is the lowest of twice the limit assessed for the proposed cropping pattern, 50% of the agricultural-land value used for calculation, or ₹10 lakh.
Both components are valid for five years subject to annual review. The short-term cash-credit limit is reviewed annually to check that crop and other sale proceeds are routed through the account.
Nil up to ₹3 lakh
0.30%above ₹3 lakh. PNB charges this at sanction and renewal/enhancement, not for an in-validity review
Small and marginal farmers, sharecroppers, tenant farmers and entrepreneurs with an agricultural background. After purchase, total holding must not exceed 2.5 irrigated acres or 5 non-irrigated acres (or equivalent). Land must be within 15 km of existing owned land or residence, or within the command area, whichever is higher.
Term finance to buy and cultivate agricultural, fallow or wasteland. The states an extent of ₹20 lakh and specifies a valuation basis
it does not label that figure a universal sanctioned maximum.
7–12 years in half-yearly or yearly instalments, including a maximum 24-month moratorium.
Personal loan for all types of personal needs to confirmed/permanent employees.
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.
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Up to 24× gross monthly salary, capped at ₹20 lakh, subject to repayment capacity.
Remaining period of service or maximum 72 , whichever is earlier.
Nil processing/upfront and nil documentation charges.
agriculture: + 2.70%. The agricultural spread's linked microfinance-cap schedule footnotes the ₹2.70% route for NRLM/SRLM schemes repayable beyond 3 years
the current product-specific table does not repeat that qualifier, so confirm the applicable agriculture route at sanction.
8.35% effective 8 October 2026. effective 1 October 2026: overnight 8.00%, 1 month8.25%, 3 months8.50%, 6 months8.65%, 1 year8.80% and 3 years9.10%. These are benchmark values
they are not the scheme's + all-in rate.
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PNB's scheme sheet requires actual or projected annual household income up to ₹3,00,000. The defines a household as husband, wife and their unmarried children.
Actual or projected annual household income up to ₹3,00,000. PNB defines a household as husband, wife and unmarried children. Total repayments on every existing household loan plus the proposed loan, including principal and interest, must be no more than 50% of monthly household income
no new loan is provided while the household is above this limit.
Maximum ₹1,00,000.
Maximum 36 equal monthly instalments. PNB permits monthly, quarterly or half-yearly repayment periodicity according to borrower requirements.
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No prepayment penalty or foreclosure charge on a microfinance loan to a household borrower. PNB's tariff exception is for loans to -
it does not describe the household product in this scheme.
the rule does not apply to projects sponsored by DRDA, SGSY or a State Development Agency. Project must be in a white area, technically feasible and economically viable. Tubewells must be at least 200 square yards apart.
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Pumpsets 9 years
well deepening/Persian wheels/Rahat 5 years
watercourse/field channels 9–15 years
sprinkler/drip 10–15 years
listed wells, lift irrigation and /OFD facilities 11–15 years. Gestation: pumpsets 12 months, OFD 24 months, lift irrigation 36 months, others up to 1 year.
The single scheme provides need-based cultivation finance and an integral spawn-production loan with investment and recurring/working-capital expenditure.
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Mushroom cultivation: individuals and larger units with adequate cultivation experience. Spawn production: individuals and larger units with plant-pathology qualification or an appropriate background and training in spawn production.
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Mushroom cultivation: maximum 7 years including 6 months' gestation. Spawn production: maximum 7 years including 1 year's gestation.
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PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
Outstanding up to ₹3 lakh: 7.00% p.a.Above ₹3 lakhup to ₹5 lakh: lower of 1-year or 10% p.a.Above ₹5 lakhup to ₹20 lakh, and accounts irrespective of amount: 1-year +2.10% for repayment up to 1 year, +2.15% for over 1–3 years, and +2.70%above 3 years. Above ₹20 lakh: internal/external risk rating based. PNB's 1-year is 8.80% from 1 October 2026.
Up to ₹3 lakh: fixed 7.00% p.a.
₹3–5 lakh: lower of 1-year or 10%
₹5–20 lakh and accounts: 1-year plus tenure-based spreads
above ₹20 lakh: risk-rated.
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of 10–20 members
at least 5 in remote/difficult tribal areas or groups with disabled persons. The must be active for at least 6 months per its books, follow regular meetings/savings/inter-lending/repayment/up-to-date records, and meet grading norms. A revived defunct must remain active for at least 3 months.
Cash credit: advised minimum ₹6 lakh for an eligible for 3 years, with annual drawing-power review. Year 1: 6× corpus or ₹1.5 lakh, whichever is higher
year 2: 8× corpus or ₹3 lakh, whichever is higher
year 3: at least ₹6 lakh based on the micro-credit plan and history
year 4 onward: above ₹6 lakh based on the plan/history. Term-loan doses: first 6× corpus or ₹1.5 lakh, whichever is higher
second 8× corpus or ₹3 lakh, whichever is higher
third and fourth at least ₹6 lakh each, plan/history based. The sheet states no fixed maximum ceiling.
Cash credit in the form of a Kisan Credit Card and/or term loan.
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Individuals, and with sufficient land for crops or vegetables. Vacant land in or around a residential house may also be used when the applicant has the right to use it.
Need-based
the scheme sheet gives no fixed numeric loan ceiling.
the sheet distinguishes production credit from investment credit.
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Farmers, agricultural labourers and other entrepreneurs may establish units as a main or subsidiary activity. PNB says the State Animal Husbandry Department should be consulted about pig quality and unit size. The 1.5–2-year age condition applies to the pigs financed, not the applicant.
Need-based at the unit cost approved by the State unit cost committee
the usual unit comprises 1 boar and 3 sows. Feed and medicine may be financed for no more than 9 months. No fixed rupee ceiling is stated.
Production credit: maximum 1.5 years. Investment credit: 5–6 years including a 1-year gestation period.
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For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
the sheet's listed common documents include a facility agreement for term loan and term-loan agreement.
Three-month plus rating spread: A1–A3, 8.50% p.a.
A4–B1, 8.75% p.a.
B2, 10.00% p.a.
B3 and below, 11.00% p.a. Small and marginal farmers rated up to B1: 8.50% p.a. These current examples use PNB's 8.50%three-month effective 01-10-2026
the scheme sheet's embedded 8.40% note is stale.
PNB three-month
8.50% effective 01-10-2026.
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Component A: maximum ₹10 crore. Components B, C (IPS) and C2 (FLS): need-based
the PNB sheet gives no numeric ceiling for these three components.
Component A: 15 years. Component B: 10 years. Component C (IPS): 10 years. Component C2 (FLS): 15 years.
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PNB's tariff section 10.15: when a non-individual borrower shifts a term loan to another bank/FI, 2% of the prepaid amount
for cash-credit/overdraft closed before its due date, 2% of the sanctioned limit. No cash-credit/overdraft closure fee if the borrower gives written non-renewal notice 3 months before the due date and closes on that date. The same section exempts floating-rate loans to individuals for non-business purposes and to individuals/ for business purposes, with or without co-obligants, with no lock-in
further listed exceptions include borrowers, borrower-owned funds and specified rate-reset/term-change cases. Applicability depends on borrower/facility type and the exact sanction terms.
PNB's SVANidhi page, last updated 17 January 2026, quotes a starting rate of 10.25% p.a. linked to . PNB's is now 8.35% effective 8 October 2026, but the scheme page does not publish a spread
10.25% is retained as the last published quote, not recalculated or confirmed as repriced.
8.35% effective 8 October 2026. PNB's SVANidhi page does not state a product-specific spread.
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Street vendors vending in various city-regions
minimum age 18 years. Government defines a vendor as a person selling goods or offering services to the public from a street, footpath, pavement or similar temporary/mobile location. A valid LoR or CoV is an application route
timely/early repayment qualifies for the next enhanced tranche.
1st tranche: up to ₹15,000
2nd tranche: up to ₹25,000
3rd tranche: up to ₹50,000.
1st tranche: 12 months
2nd tranche: 18 months
3rd tranche: 36 months.
No processing fee or documentation charge on PNB's published SVANidhi page.
Need-based project finance under PMFME for upgrading existing micro food-processing enterprises
the current PNB sheet allows finance up to 90% of project cost, subject to appraisal.
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Individual PMFME support is for upgrading an existing micro food-processing unit. For the additional benefit, the project must include both primary and secondary processing of agricultural produce (excluding dairy, fisheries and animal feed), and the bank's interest rate must be below 9%.
Need-based, up to 90% of project cost.
Up to 10 years, inclusive of a one-year moratorium.
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PNB's current tariff covers takeover by another bank/FI for non-individual borrowers: term loans, 2% of the amount prepaid
CC/, 2% of sanctioned limit. The CC/ charge is not levied when three months' written notice is given and the account closes on its due date. The tariff lists exceptions, including floating-rate advances to individual and borrowers
applicability depends on borrower, facility and rate type. This is not a blanket charge for ordinary early repayment.
New car: floating 7.65%–9.70% p.a. for non-EV and 7.60%–9.65% for e-vehicles
fixed 8.65%–10.70% and 8.60%–10.65%, respectively, by band. Women row: 7.65%/7.60% floating irrespective of . Old car: floating 9.45%–10.55%
fixed 10.45%–11.55% by band. Rate page dated 8 October 2026.
Floating car-loan rows use + with borrower//vehicle-specific spreads. PNB's current is 8.35% effective 8 October 2026. No product is supplied here
PNB's printed all-in vehicle rates are not recalculated.
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₹25,000 net monthly salary, pension or income. No minimum income amount is required when the borrower provides liquid term-deposit security equal to 110% of the loan.
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Up to 25 times net monthly salary, maximum ₹1 crore for the four-wheeler scheme
new vehicles are financed up to 90% of on-road price in the scheme chart.
New vehicle: up to 84 or remaining service, whichever is shorter. Old vehicle (not over 3 years old): up to 60 or remaining service, whichever is shorter. Repayment must finish by age 70 for salaried borrowers with pension/pensioners and age 65 for others.
0.25% of loan amount
minimum ₹1,000 and maximum ₹1,500. Documentation charge: nil. Applicable taxes/ are extra.
Floating rate: no prepayment charge. Fixed rate: 2% of the outstanding prepaid amount. No charge for own-source repayment, or for switching to another bank within 30 days after an upward rate revision or change in sanction terms
the public page also gives the benchmark-reset notice/exit windows.
New-car term loan linked to an existing or new PNB housing loan, secured by extending the mortgage on the housing-loan property.
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Salaried: gross monthly income at least ₹50,000. Professional/self-employed/business: average post-tax annual income at least ₹6 lakh over the previous 3 years, with consistent income growth.
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Up to 90% of the brand-new car's on-road price
Up to 84 months or the remaining housing-loan repayment period, whichever is shorter.
Nil for PNB Combo Loan Scheme in the current retail-advance charge schedule.
Digital gold loan with agricultural and retail demand-loan, and overdraft variants.
Retail: up to ₹10 lakh, +0.85 points = 9.20% p.a.
above ₹10 lakh, +0.90 points = 9.25% p.a. Agriculture: up to ₹2.5 lakh, +0.50 points = 8.85% p.a.
above ₹2.5 lakh, +0.75 points = 9.10% p.a. Combined rates are arithmetic using PNB 8.35% effective 8 October 2026, not quoted all-in offers.
PNB is 8.35% effective 8 October 2026
the Digital Gold Loan page applies an additional segment and amount-band spread.
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Retail: an individual resident of India. Agriculture: a person engaged in agriculture or allied activities classified as agriculture under rules. The Digital Gold Loan page says both existing PNB customers and new-to-bank customers may apply.
Retail: ₹25,000 to ₹25 lakh per borrower. Agriculture: ₹10,000 to ₹25 lakh.
Agriculture: bullet demand loan up to 12 months
monthly up to 36 months
overdraft sanctioned for 12 months subject to annual renewal, with interest serviced as due. Retail: bullet demand loan up to 12 months or up to 36 months.
Retail: 0.30% of the loan amount + or ₹500 + , whichever is higher. Agriculture: up to ₹50,000, nil
above ₹50,000up to ₹2 lakh, ₹500 +
above ₹2 lakh, 0.25% + capped at ₹5,000 + . Documentation charge is nil for both segments.
Professional/personal term loan or overdraft for eligible doctors.
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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.
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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.
0.90% of the loan amount plus ₹450 documentation charge
Housing loan for purchase or construction of a residential house or flat, including an approved under-construction builder flat.
The current PNB housing table applies + housing rates by score, and tenure
the Gen-Next page links to that table without a separate Gen-Next rate row. Reviewed floating housing rates are about 7.25%–10.15% p.a. across published slabs.
+ , with the housing table's and spread.
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Minimum net monthly salary ₹35,000
net salary is gross salary less statutory deductions such as income tax and provident fund.
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Minimum ₹20 lakh
maximum amount is need-based, subject to prescribed and repayment capacity. The scheme calculates up to 1.25 times the regular housing-loan eligibility amount.
Flat 30 years
moratorium up to 36 months generally or up to 60 months for an approved under-construction builder flat, with interest serviced during the moratorium.
The Gen-Next page links to PNB housing charges
the current schedule lists PNB Pride as nil but does not identify a separate Gen-Next line item.
Retail: up to ₹10 lakh, +0.85 percentage points = 9.20% p.a.
above ₹10 lakh, +0.90 points = 9.25% p.a. Swarnim agriculture: up to ₹2.5 lakh, +0.50 points = 8.85% p.a.
above ₹2.5 lakh, +0.75 points = 9.10% p.a. Combined percentages are arithmetic using PNB 8.35% effective 8 October 2026, not separately quoted offer rates.
PNB is 8.35% effective 8 October 2026. The gold-loan rate adds the segment and sanction-amount spread published by PNB.
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Retail gold loan: an individual resident of India. PNB Swarnim: farmers and agricultural entrepreneurs, including tenant farmers, oral lessees and sharecroppers, and others engaged in agriculture or allied activities that qualify under , Government of India or rules.
Retail: ₹25,000 to ₹25 lakh per borrower. PNB Swarnim agriculture: ₹10,000 to ₹25 lakh per borrower.
Retail: bullet demand loan up to 12 months
term loan up to 36 months
overdraft has a 12-month sanction period subject to annual review and a published repayment ceiling of 36 months subject to review. Swarnim: bullet up to 12 months
monthly up to 36 months
overdraft sanctioned for 12 months subject to annual renewal, with interest serviced as due.
Retail: 0.30% of loan amount + or ₹500 + , whichever is higher
Floating: 7.20%–9.10% p.a. across the displayed / rows
PNB Pride rows start at 7.25% p.a. Fixed: 8.20%–10.60% p.a. across displayed bands, depending on score, and whether fixed tenure is up to or above 10 years. Campaign: 01-10-2026 to 31-12-2026.
Floating rates are expressed as + with row-specific spreads
the published current rates in the table are the resulting rates for this 01-10-2026 to 31-12-2026 campaign. PNB also publishes fixed-rate options by tenure.
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Individuals or co-borrowers with an assured regular income
listed groups include salaried employees, professionals, self-employed people, business owners and farmers. PNB staff are also eligible under the public scheme. Spouse, earning children and joint owners' income may be clubbed when they are co-borrowers
parents may co-borrow and have income clubbed in the specified property-title cases.
Construction, additions and house/flat purchase: need-based on project cost and repayment capacity. Residential plot: maximum ₹1,00,00,000. Repairs/renovation/alterations: maximum ₹1,00,00,000. Furnishing: up to 25% of home loan or ₹1,00,00,000, whichever is lower, within .
Up to 30 years including moratorium for ordinary housing purposes
up to 15 years including moratorium for repairs, renovation or alterations. PNB's older generic separately limits tenure to 30 years or age 70
the dedicated scheme page does not repeat an age cap.
Current campaign (01-10-2026 to 31-12-2026): full waiver of Home Loan upfront/processing and documentation charges. Schedule outside the campaign: 0.35% of loan amount, minimum ₹2,500 and maximum ₹15,000
documentation ₹1,350. Takeover: ₹2,500 processing and ₹1,350 documentation. All charges exclude /taxes.
No prepayment charge for retail loans under the floating-rate option. PNB's Housing Loan does not state the charge treatment for a fixed-rate option.
PNB housing finance scheme for eligible / and qualifying -card holders for property in India.
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Non-Resident Indians and Overseas Citizens of India
-card holders whose card was issued before 09-01-2015 are also eligible. The scheme webpage last updated 29-07-2019 is older and still names only /
the June 2026 bulletin supplies the newer wording.
Need-based on project cost and repayment capacity. Standalone plot finance is no more than 60% of the eligible home-loan amount. Repairs, renovation or alterations: maximum ₹50,00,000.
Maximum 30 years including any moratorium.
The current tariff's Home Loan campaign row grants full waiver of upfront/processing and documentation charges through 31-12-2026. The reviewed tariff has no separate Housing fee row
applicability after the campaign must be confirmed with PNB.
Revolving crop and allied-activity credit under the Kisan Credit Card scheme.
Regular outstanding up to ₹3 lakh: 7.00% p.a. The same current schedule lists agriculture loans up to ₹20 lakh, including irregular , at one-year +1.25%
it separately lists ₹20–50 lakh at one-year +2.00% and loans above ₹50 lakh at risk-based pricing. The schedule does not explicitly assign those latter agriculture rows to regular above ₹3 lakh.
One-year for the published agriculture-loan band up to ₹20 lakh, including irregular . Regular outstanding up to ₹3 lakh is separately 7.00% p.a.
PNB does not assign the other agriculture bands to regular .
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Crop : individual/joint owner cultivators, tenant farmers, oral lessees and sharecroppers, plus eligible farmer / including tenant farmers and sharecroppers. AH&F : farmers engaged in the activity, including individuals, joint borrowers, groups/partners, sharecroppers/tenant farmers, , and women's groups
fishery applicants must meet the scheme's activity and applicable licensing/ownership-or-lease conditions.
Need-based against the applicable scale of finance, up to ₹10 crore for crop-production and up to ₹10 crore for the AH&F component. For marginal farmers, PNB also lists a Flexi- range of ₹10,000–₹50,000, subject to landholding, crop and assessed needs.
PNB says /KSY limits are renewed after five years.
Agriculture-credit schedule effective 15 April 2026: nil up to ₹3 lakh
0.30%above ₹3 lakh. For /KSY/Krishak Unnati, charge at sanction and then renewal/enhancement
no charge for an in-validity review, and renewal is after five years. PNB also waives the fee for secured by specified liquid securities and publishes additional / and priority-sector exemptions.
PNB's product page does not name the tenor for this scheme.
the product page does not specify the tenor.
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Existing PNB holders or Kisan Samriddhi Yojana borrowers with a satisfactory two-year track record. The page states existing accounts should be Standard/CBR-0/SMA-0, then says CBR-0/SMA-0 accounts as of application/sanction are ineligible and only standard and regular accounts at application qualify. A previously availed Krishi Tatkal facility is allowed only if fully repaid by application date
joint borrowers are not eligible.
Minimum ₹1,000
maximum ₹1 lakh, limited to 25% of the existing or Kisan Samriddhi Yojana limit.
Housing-loan overdraft with monthly reducing drawing power.
Floating housing-loan rate under PNB's current Max-Saver table
the current sheet shows 7.40% p.a. for loans above ₹30 lakh with CIBIL 800+ and up to 80%. Other borrower/ bands vary.
+ , with the spread determined by //loan-amount band.
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Not separately published for Max-Saver
prospective borrowers follow PNB Housing Finance Scheme for Public eligibility and existing borrowers are assessed from the running housing-loan account.
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Minimum ₹10 lakh
maximum is need-based under PNB Housing Finance Scheme for Public.
As per PNB Housing Finance Scheme for Public
the overdraft drawing power reduces monthly so the facility is liquidated by the housing-loan tenure end.
As per PNB's retail-advance charge schedule
for housing/overdraft conversion the published schedule lists documentation charges of ₹450 and the applicable housing processing fee, not a separate Max-Saver fee.
Not separately published for Max-Saver
follows the public housing-loan scheme and applicable floating-rate retail-loan rules.
Term loan or overdraft against mortgage of eligible immovable property.
Floating term-loan rates currently run from 9.05% to 11.55% p.a. and overdraft rates from 9.55% to 12.05% p.a. when property security is up to 200% of loan amount
rates are - and security-dependent.
+ with - and security-dependent spread.
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Salaried applicants: minimum net monthly salary ₹25,000. Other than salaried: minimum net annual income ₹3 lakh.
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₹2 lakh minimum and ₹5 crore maximum
assessment is capped at 65% of realizable property value or 36× qualifying gross monthly income, whichever is lower.
Term loan: 180 months or up to age 70, whichever is earlier. Overdraft: liquidated in 15 years or up to age 70, whichever is earlier.
Term loan: 0.75% of loan amount, maximum ₹1 lakh
documentation ₹2,500up to ₹50 lakh and ₹5,000above ₹50 lakh.
vehicle loan for a new car, van, jeep, electric vehicle, or .
Gross income of at least ₹1,00,000 per month or ₹12,00,000 per year, or equivalent.
Individual with valid Indian passport and valid work visa/permit
must hold an account with PNB for at least 6 months or with another bank for the preceding 12 months. A resident-Indian relative—spouse, father, mother, son, daughter, daughter-in-law, sister or brother—must guarantee the loan
another resident Indian may guarantee only if the listed relative is unavailable. Vehicle is hypothecated to PNB and the bank branch must be named on the Joint Registration Certificate (JRC).
No rupee cap is stated. The 15% on-road margin allows finance up to 85% of price
PNB may reduce margin to 10% case by case, allowing up to 90%.
Maximum 84 monthly instalments of principal and interest
repayment begins in the succeeding month.
Current general Car Loan tariff: 0.25% of loan amount, minimum ₹1,000 and maximum ₹1,500. The tariff's documentation-charge cell is blank, not NIL. PNB's 01-10-2026 to 31-12-2026 campaign says Car Loan upfront/processing/documentation charges are fully waived
the tariff does not name the variant separately. All charges exclude /taxes.
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.
10.85%–11.85% p.a. for the quarter ended March 2026, calculated by PNB on a ₹1,00,000 loan after processing and documentation charges. This is a past-quarter portfolio disclosure, not an individual quote.
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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.
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9.50%–17.05% p.a. for the quarter ended March 2026, calculated by PNB on a ₹1,00,000 loan after processing and documentation charges. This is a past-quarter portfolio disclosure, not an individual quote.
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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 .
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.
fixed 9.35% p.a.up to 10 years or 9.85%above 10 years. Published for loans up to ₹7.50 lakh under CGFSEL and loans of any amount with the stated 100% tangible collateral.
+ + 0.25%.
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For previously identified CARES for Children beneficiaries only: eligible child must have lost both parents, the surviving parent or a legal/adoptive guardian to COVID-19 between 11 March 2020 and 31 December 2021, have been under 18 on the date of death, be resident in India and gain admission to recognized higher education in India by entrance/merit selection. The page allows a stated exception for certain postgraduate programmes admitting on work experience. New enrolment ended 31 December 2021.
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NIL processing fee and NIL documentation charge for studies in India.
For loans above ₹7.50 lakh: IIM/IIT (excluding Vidyalaxmi), ISB Hyderabad/Mohali and IIFT Kolkata: 6.95% floating, 7.95% fixed up to 10 years or 8.45%above 10 years. FMS Delhi: 7.25% floating, 8.25% fixed up to 10 years or 8.75%above 10 years. Other listed Pratibha institutes: 7.85% floating, 8.85% fixed up to 10 years or 9.35%above 10 years.
(Repo Linked Lending Rate) plus the institute/amount-band spread published in PNB's current Pratibha table.
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Resident Indian admitted to listed regular full-time degree/diploma or postgraduate programmes
PNB also names selected executive programmes at IIMs, ISB, XLRI and NIBM. Institute/course-specific coverage is controlled by Annexures A/B.
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Maximum repayment period up to 15 years
repayment holiday is the course period plus 1 year.
Current PNB education-loan communication states nil processing/upfront and documentation charges for PNB Pratibha
Udaan charges are as per the applicable current schedule unless a concession is confirmed for the selected 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.
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₹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.
0.50% of loan amount, minimum ₹500 plus
includes upfront, documentation, stamp-duty, and other listed charges.
PNB Pride Housing Loan for government-employee customers
core housing terms follow Housing Finance Scheme for Public.
During the 01-10-2026 to 31-12-2026 campaign, the displayed floating PNB Pride rate is 7.25% p.a. for up to 80% (irrespective of loan amount) and 7.35% p.a. for the listed loan amount up to ₹30 lakh and above 80% through 90%. Fixed rate is 8.25%/8.75% for the first row and 8.35%/8.85% for the latter row for tenure up to 10 years/above 10 years. PNB says Pride pricing is irrespective of score
employees are named in rate scope but not in the product page's eligibility list.
Floating PNB Pride rates are shown as + plus a row-specific spread
fixed options are also listed for tenure up to 10 years and above 10 years.
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Central/State Government employees, Defence personnel, Para Military Forces and Central/State Government pensioners. The rate-table footnote names employees in the pricing scope, but the product-page eligibility list does not include them.
As per PNB Housing Finance Scheme for Public: need-based for construction, additions and purchase
plot and repairs/renovation/alterations up to ₹1,00,00,000
furnishing up to 25% of home loan or ₹1,00,00,000, whichever is lower, within .
As per PNB Housing Finance Scheme for Public: up to 30 years including moratorium for ordinary housing purposes, and up to 15 years including moratorium for repairs/renovation/alterations. The older generic Housing Loan states 30 years or age 70
the dedicated public scheme page does not restate an age cap.
PNB Pride: Nil in the current charge schedule. The Pride page also states full waiver of upfront/processing fees and documentation charges. The separate general Home Loan campaign runs 01-10-2026 to 31-12-2026
all charge schedule amounts are exclusive of /taxes.
No prepayment charge under the floating-rate retail-loan option, according to PNB's Housing Loan . The does not state the fixed-rate prepayment treatment.
Residential rooftop-solar equipment loan for a new system up to 10 kW
equipment is hypothecated and the loan is classified under priority sector.
Floating: 5.75% p.a. for loans up to ₹2,00,000
7.25%–9.85% p.a.above ₹2,00,000 through ₹6,00,000. Fixed: 8.25%–10.85% p.a. for the above-₹2,00,000-to-₹6,00,000 band. Rates vary by band and whether the borrower has an existing/fresh PNB home loan.
Up to ₹2,00,000, floating rate = Repo Rate + 0.50% (PNB shows 5.25% + 0.50% = 5.75% p.a.). Above ₹2,00,000 through ₹6,00,000, floating rates use + spreads by and home-loan relationship
the fixed-rate column gives the stated rates without a benchmark formula.
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For loans above ₹2,00,000 through ₹6,00,000, all deductions including the proposed instalment must not exceed 50% of gross annual salary/income
regular income over the full loan period must be established. PNB asks for at least one year of /Form 16 and a six-month account statement. No income assessment is required up to ₹2,00,000.
Individuals may apply alone or jointly with parents, spouse, earning children (married or unmarried) or an earning daughter-in-law. Applicant(s) need / TU 680 or equivalent, including −1/0/Nil/no-hit
the applicant or co-applicant must own the home and rooftop rights, have MNRE-required roof area and a latest electricity bill confirming ownership. Applicant must hold a PNB savings account
maximum age 75.
Up to 3 kW: ₹2,00,000 maximum. Above 3 kW through 10 kW: ₹6,00,000 maximum. PNB gives indicative financing of ₹50,000–₹70,000 per kW.
Maximum 10 years (120 months), inclusive of the six-month moratorium
repayment with interest must end by borrower age 75.
Nil processing and upfront fees.
Floating-rate loans to individuals for non-business purposes: no prepayment charge for partial or full payment, regardless of funds used and without a minimum lock-in. For a dual/special-rate loan, the exemption depends on whether it is floating when prepaid. The fixed-rate charge is not stated in the solar scheme page or the reviewed tariff clause.
Two-wheeler vehicle loan for a new scooter, motorcycle, scooterette or moped.
Floating/fixed: salaried 10.85%/11.85% p.a.
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.
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₹10,000 after all deductions, including the proposed instalment.
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₹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.
0.50% of loan amount
minimum ₹500 and maximum ₹1,000. Taxes/ are extra.
Demand loan, term loan or overdraft personal finance under PNB Sahyog
the describes the public/-agent personal-loan variant.
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.
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Minimum take-home after deductions ₹15,000 in metro/urban centres or ₹10,000 in semi-urban/rural centres.
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Up to 15× gross monthly salary, maximum ₹10 lakh.
Remaining service period or maximum 60 , whichever is earlier.
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.
Medical loans above ₹7.50 lakh with minimum 100% collateral: 8.10% p.a. (+). Other loans with minimum 100% collateral: 9.35% p.a. floating for non-female students or 8.85% for female students
fixed rates are 10.35%/10.85% and 9.85%/10.35% respectively for up to 10 years/above 10 years. Loans up to ₹7.50 lakh covered by CGFSEL: 10.10% p.a. floating for non-female students or 9.60% for female students
fixed rates are 11.10%/11.60% and 10.60%/11.10% respectively by tenure.
+
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Indian national admitted to an eligible higher-education course in India. PNB lists parents, grandparents, spouse or parents-in-law as possible co-obligants.
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Maximum repayment period up to 15 years
the repayment holiday is the course period plus 1 year.
Studies in India: NIL processing/upfront fee and NIL documentation charge under PNB's current retail-advance schedule.
Digital personal term loan for new-to-bank salaried customers.
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.
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₹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.
Medical loans above ₹7.50 lakh with minimum 100% collateral: 8.10% p.a. (+). Top-50 institutes with minimum 100% collateral: 8.10% floating and 9.10%/9.60% fixed by tenure. Other loans with minimum 100% collateral: 9.35% floating for non-female students or 8.85% for female students
fixed 10.35%/10.85% and 9.85%/10.35% by tenure. Loans up to ₹7.50 lakh under CGFSEL: 10.10%/9.60% floating and 11.10%/11.60% or 10.60%/11.10% fixed, by student category and tenure.
+
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Resident Indian admitted through entrance-test or merit selection, after Class XII or equivalent, to a recognized higher-education course abroad.
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Maximum repayment period up to 15 years
the repayment holiday is the course period plus 1 year.
Studies abroad: 1% of the loan amount, minimum ₹10,000, refundable after the first disbursement under PNB's current retail-advance schedule.
Investment credit for poultry sheds and equipment, plus production credit for day-old chicks, feed and medicines
both requirements are considered as a package.
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Subsidiary activity: small farmers, landless agricultural labourers or other underemployed people seeking supplementary income, with the land/shed needed for the unit. Main activity: applicant's main vocation is commercial poultry farming, with experience and the required land/shed.
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Production credit: layers, maximum 18 months with 6 months' gestation
broilers, maximum 12 months with 3 months' gestation. Investment credit: 6–7 years, including 12 months' gestation for layers and up to 3 months for broilers.
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PNB's current schedule lists 2% of the amount prepaid for a non-individual borrower taking over a term loan to move to another bank/FI, and 2% of the sanctioned limit for a non-individual borrower closing CC/ before due date to shift lenders. It also lists a CC/ no-charge condition with written non-renewal notice 3 months before due date and multiple borrower/facility-specific exemptions
or working-capital demand loan for advances to outsourced farmers for seed multiplication.
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Individuals, private companies, corporates, Self Help Groups, Joint Liability Groups and other legal entities.
Need-based on the project's total financial outlay.
Term loan: up to seven years including grace of up to one year
half-yearly instalments after a case-specific 6–12 month initial moratorium. Extension beyond seven years may be approved by the next higher sanctioning authority on merit. Seed-processing working-capital CC: one year, renewed annually. Advances to outsourced farmers: repay within 12 months or when cash generation begins, whichever occurs first.
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For a non-individual borrower shifting a term loan to another bank/financial institution, PNB's current tariff lists 2% of the amount prepaid. For cash-credit/overdraft closure before its due date, it lists 2% of the sanctioned limit
that charge is waived if written non-renewal notice is given at least 3 months before the due date and the facility closes on that date. The tariff also lists exemptions, including eligible floating-rate loans to individuals/ and loans prepaid from the borrower's own sources
Need-based medium-term agriculture loan for sheep/goat breeding and rearing.
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Small/marginal farmers and agricultural labourers may take up sheep/goat breeding or rearing as a subsidiary activity
trained persons may take it up commercially. The published male:female unit ratio is 1:20 for sheep and 1:4 for goats.
Need-based
unit size follows a male:female ratio of 1:20 for sheep and 1:4 for goats. The sheet gives no fixed rupee ceiling.
Medium-term repayment: 5–6 years including 12 months of gestation.
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For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
Up to ₹2.5 lakh: +0.50%, which is 8.85% p.a. using 8.35% effective 8 October 2026. Above ₹2.5 lakh: +0.75%, which is 9.10% p.a. These two figures are arithmetic results from PNB's published formula and benchmark, not separate PNB-quoted offers.
PNB is 8.35% effective 8 October 2026. Swarnim adds 0.50 percentage pointsup to ₹2.5 lakh and 0.75 points above that amount.
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Farmers, agri-entrepreneurs, tenant farmers, oral lessees, sharecroppers and other persons engaged in -classified agriculture/allied activity. is required. Up to ₹2.5 lakh, obtain a self-declaration
above ₹2.5 lakh, obtain landholding records and/or valid proof of agriculture activity. The borrower needs regular income, including projected income, to service interest/.
₹25 lakh per borrower.
Bullet demand loan: up to 12 months, with interest and principal due at maturity. Monthly demand loan: up to 36 months, with interest and principal serviced as due. Overdraft: 12-month sanction subject to annual renewal
interest serviced as due.
Up to ₹50,000: nil. Above ₹50,000 to ₹2.5 lakh: ₹500 + . Above ₹2.5 lakh: 0.25% of the loan amount + , capped at ₹5,000 + . Documentation charge: nil.
Term loans for tea acquisition, quarters, plantation/replantation/rejuvenation and a mini tea factory on merit
working capital for large borrowers/leaf factories and small tea-leaf producers
export-credit and non-fund working-capital limits
bank guarantee.
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The sheet names tea companies
large borrowers and leaf factories for tea-leaf production/factory working capital
and small borrowers for tea-leaf production working capital. It gives no separate minimum income or further applicant-qualification rule.
Facilities are stated by purpose/type, without a fixed rupee ceiling. Total exposure across facilities to tea companies should normally not exceed 75% of the value of their tea estates.
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For a non-individual borrower taking over a loan to shift to another bank/FI, PNB's current schedule states 2% of the prepaid amount on term loans and 2% of the sanctioned limit when a cash-credit/overdraft facility is closed before its due date. For CC/, the stated charge does not apply if written non-renewal notice is given 3 months before the due date and the facility closes on that date. The page lists additional exemptions, including specified floating-rate individual/ loans, borrowers, own-source repayment and other stated cases. Exact applicability depends on borrower, purpose, facility, rate type and closure route.
PNB Gram Uday component: term loan. The separate section A wasteland-development component does not name a facility instrument.
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Section A: individual farmers owning or holding long-term tenancy/leasehold over degraded land, and panchayats/other bodies with community land. PNB Gram Uday: owner cultivators and their /
applicant must have a Soil Health Card.
PNB Gram Uday component only: up to ₹1,00,000. The separate section A wasteland-development loan is need-based with no fixed maximum stated.
Section A: 5–15 years with up to 36 months' gestation. PNB Gram Uday: up to 5 years' repayment with up to 1 year' gestation.
the scheme rate is fixed at disbursement and does not reset with .
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₹3 lakh for salaried, self-employed, professional and business applicants
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₹2 lakh to ₹1.5 crore
10 years minus vehicle age, capped at 60 months
1.50% of loan amount
minimum ₹3,000 and maximum ₹10,000, plus .
Certified Pre-Owned Car Loan prepayment costs 1% of the pre-payment amount plus , charged quarterly, within two years of disbursement. Foreclosure costs 3% of theo-balance plus within two years.
official variant schedule (dated 1 April 2024 for perquisite valuation) gives term-loan card rates by score: regular home-loan variants, including Combo and Repair/Renovation, 9.15%–10.15% p.a.
Home Loan adds a 20 bps premium and is 9.35%–10.35% p.a.
Tribal Plus adds 10 bps and is 9.25%–10.25% p.a.
Home Top Up term loans are 9.55%–10.25% p.a. and overdraft rates 9.85%–10.55% p.a. The schedule is a dated reference, not a live quote
confirm the current card rate before applying.
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.
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₹20 lakh to ₹50 crore
Up to 30 years.
directs applicants to the current processing-fee card-rate page
the product page does not publish a single product-specific fee.
No prepayment penalty is listed among the features.
The current linked card lists Home Loan (term loan) at 7.25%–8.55% p.a. and Home Loan Maxgain (overdraft) at 7.75%–9.05% p.a. The card does not name or map it to either row
1 April 2024 perquisite schedule separately listed at 9.35%–10.35%, which is historical and not a current quote. Confirm the applicable pricing with .
linked home-loan rate card states that Home Loans are linked to
publishes as 7.90% + + , effective 15 December 2025. The product-specific / and the rate-card mapping are not shown on the page.
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Resident Indian
age 18–70
from the third home when the family owns more than two homes
an individual may have up to five home loans including . Tenure is up to 30 years. Final loan amount and approval follow application and assessment.
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Up to 30 years
The linked fee card lists 0.35% of the loan amount: minimum ₹5,000 and maximum ₹15,000 for salaried customers, or maximum ₹18,000 for non-salaried customers, plus . fee card labels this 'Home Loan & Top Up'
First-time takeover of a standard existing education loan during the course, moratorium or repayment period, with possible documented top-up for further study
Student Loan takeover 9.40%
Scholar Loan takeover 6.90%–7.65%
Global Ed-Vantage collateral-backed takeover 9.40%
select Global Ed-Vantage takeover 8.90%–9.40% p.a.
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
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₹10 lakh to ₹3 crore, including eligible outstanding or sanctioned balance, top-up and applicable source-lender prepayment penalty
180 months
Nil
NIL in the shared Education Loan contingent-charge table.
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.
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360 months, with application by age 45 and repayment by age 70
0.35% of loan amount, minimum ₹5,000 and maximum ₹15,000, plus for salaried customers
rates are based on score. The card does not print '% p.a.'.
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.
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360 months, subject to repayment by age 70
0.35% of loan amount
salaried minimum ₹5,000 and maximum ₹15,000, non-salaried minimum ₹5,000 and maximum ₹18,000, plus
Transfer of an existing home loan from an eligible bank, -registered or qualifying government or employer
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.
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Existing interest and instalments must have been serviced regularly under the original sanction terms
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0.35% of loan amount, with current salaried or non-salaried minimum and maximum caps, plus
non-salaried and credit-profile card pricing applies
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.
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₹20 lakh to ₹50 crore
360 months
0.35% of loan amount, minimum ₹5,000 and maximum ₹18,000, plus
rates are based on score. The card does not print '% p.a.'.
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.
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At least 5 years after first purchase or construction and minimum CIBIL score 650
Up to ₹1 crore
Up to 20 years
0.35% of the loan amount
minimum ₹5,000 and maximum ₹15,000 for salaried customers, or minimum ₹5,000 and maximum ₹18,000 for non-salaried customers, plus .
Top Up () Loan: 8.25%–11.00%. adds 10 basis points for non-salaried customers with CIBIL score below 825 on Home Top Up Loans. The card does not print '% p.a.'.
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.
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Up to 30 years
0.35% of loan amount
₹5,000–₹15,000 for salaried and ₹5,000–₹18,000 for non-salaried customers, plus
Loan against an eligible life-insurance policy assigned to
eligible issuers include , India Post, Life, Standard Life and Prudential Life.
11.20% p.a. effective 15 August 2025, based on one-year of 8.70% plus 2.50%
One-year plus 2.50 percentage points
the rate table lists 8.70%one-year and 11.20% effective interest for loans against eligible insurance policies (effective 15 August 2025).
The reviewed insurance-policy loan page and linked official securities rate table publish effective interest rates, not a separate figure or calculation.
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Up to 85% of policy surrender value, with no published rupee ceiling
36 months
0.35% of loan amount, minimum ₹500 and maximum ₹2,500, plus applicable
Overdraft secured by a lien on eligible mutual-fund units
interest applies only to the amount used
9.95% p.a. effective 15 August 2025, based on one-year of 8.70% plus 1.25%
One-year plus 1.25 percentage points
the rate table lists 8.70%one-year and 9.95% effective interest for mutual-fund units (effective 15 August 2025).
publishes an effective annual interest rate for this security-backed loan, but no separate calculation or figure appears on the reviewed product page or the linked official rate table.
Applicants must be individuals above 18 with a steady source of income
does not publish a rupee minimum-income threshold for this facility.
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Minimum ₹25,000
maximum ₹20 lakh against equity, hybrid or funds and ₹5 crore against debt or FMP funds
digital equity maximum ₹10 lakh
Up to 12 months
the account may be renewed for another 12 months through the stated channels after payment of the applicable renewal charge.
Processing: 0.50% of loan amount, minimum ₹500 and maximum ₹5,000, plus
annual review or renewal: ₹1,000 plus applicable tax
No prepayment penalty is published for the online loan against mutual fund units.
the scheme rate is fixed at disbursement and does not reset with .
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₹2 lakh
Existing housing-loan borrower with at least one year of satisfactory post-moratorium servicing, possession taken, valid equitable mortgage, required security margin and completed sanction terms
Up to 100% of ex-showroom price
84 months
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Standard auto-loan prepayment is NIL. Foreclosure is 2% of theo-balance plus when completed within two years of disbursement
actual seizure and parking charges apply if the bank seizes the vehicle.
Home Loan term loan or Home Loan Maxgain overdraft, on a daily reducing balance
7.25% to 8.55% p.a.
7.90% p.a.
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No numeric minimum income is published. Home Loan checklist requires employment, salary and tax evidence for the applicant/co-applicant (including last three months' salary proof, six months' salary-credit statements and tax returns, with business financials for non-salaried applicants).
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No absolute maximum loan amount is published on the reviewed Home Loan page. It publishes a minimum loan amount of ₹15 lakh, tenure up to 30 years and a link to the current loan-amount eligibility journey.
30 years
Applicable stamp duty and property-insurance premium
CERSAI ₹50 plus up to ₹5 lakh loan limit or ₹100 plus above ₹5 lakh
8.70% effective 15 September 2026. / and foreign-currency loans instead use the pledged deposit's applicable contracted rate plus published spread.
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No absolute rupee ceiling is stated for the branch facility. current branch-level page and / pages say lending may reach 90% of deposit value (the / pages include accrued interest). The -specific table instead publishes margin schedules that can imply different advance percentages, including 95% at a 5% margin. does not explain how the 90% cap and maturity-based schedules interact
confirm the applicable drawable percentage with the branch.
Rupee loans run up to the remaining maturity of the pledged deposit. An (B)-backed foreign-currency loan may run for 1, 2 or 3 years or the deposit's remaining maturity, whichever is applicable
specifies a one-year minimum.
₹0 — states zero processing charges for the branch-level Loan Against Time Deposit facility, which expressly includes / and (B) deposits.
₹0 — states that there are no prepayment penalties for its branch-level Loan Against Time Deposit facility, including loans against //(B) deposits.
Pension Loan, Jai Jawan Pension Loan and Treasury/ pensioner variants
11.30% p.a. for , Jai Jawan and pre-approved pension loans
11.30%-11.80% for Treasury/ variants
No external benchmark is published for the Pension Loan. The page publishes a fixed scheme rate of 11.30% p.a. for , Jai Jawan and pre-approved pension loans, and 11.30%–11.80% for Treasury/ variants.
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Eligible government, defence, paramilitary, , Treasury and family pensioners with qualifying pension-payment and PPO arrangements
Up to ₹20 lakh, subject to pension, /NMP and variant rules
72 months through standing instructions from the pension account, subject to repayment by age 78
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2% of prepaid amount plus
waived when closed from a new loan under the same scheme
gold loan, 12-month bullet repayment gold loan and gold-loan overdraft
9.15% p.a. for 12-month bullet
10.10% p.a. for and overdraft variants
The gold-loan links each published rate to 1-year : 12-month bullet is 0.45%above 1-year , is 1.40% above and overdraft is 1.00% above. The current rate table displays 1-year as 8.70%.
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Supporting income documents are required for amounts above ₹2.5 lakh.
Individuals singly or jointly, age 18+, with a steady source of income
income documents required above ₹2.5 lakh
₹20,000 for or bullet variants
₹5 lakh for overdraft
36 months for and overdraft
12 months for bullet repayment
₹50,000-₹2 lakh: 0.50%, minimum ₹500
above ₹2 lakh-₹25 lakh: 0.30%, minimum ₹1,000
above ₹25 lakh: 0.25%, minimum ₹7,500 and maximum ₹15,000
extra
No prepayment penalty and no foreclosure charge. states that the gold loan may be closed at any point without foreclosure charges.
PMVL-Utkarsh 6.90%, PMVL-Uttam 7.20% and PMVL-Uday 8.40% p.a., linked to
(External Benchmark Rate)
the education-loan rate floats for the full loan period.
Value awaiting review
No income ceiling for the loan: says students of all income groups are eligible. Household-income bands of up to ₹4.50 lakh and above ₹4.50 lakh through ₹8 lakh determine applicable interest-subvention support, not basic loan eligibility.
Graduation, postgraduate degree and diploma courses at Department of Higher Education-identified QHEIs in India, following open competitive or merit-based admission
Need-based loan up to ₹3 crore under the -Vidyalaxmi scheme.
Up to 15 years, excluding the course period and moratorium.
No processing fee is stated on the product page. A ₹200 application fee plus is recovered only when the student avails the loan from .
directs applicants to the live Home Loan card-rate page
no separate numeric 2.0 rate is published on this product page.
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.
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Gross annual household income up to ₹9 lakh
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Loan up to ₹25 lakh, project cost up to ₹35 lakh and maximum interest subsidy ₹1.80 lakh
Income-based home-loan limit sanctioned before the property is finalised
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.
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360 months, subject to repayment by age 70
Non-refundable applicable home-loan processing fee is collected at sanction
current schedule is 0.35% with applicant-type caps plus
also publishes a check-off concession for this scheme
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.
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Central or State Government employees including eligible PSB and Central employees, and other individuals with pensionable service
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360 months, subject to repayment by age 75
Full waiver of processing fee
out-of-pocket legal, valuation, CERSAI and charges continue at actuals
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.
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₹15 crore
The introduction and features say repayment up to 15 years, while the eligibility block says loan tenure up to 10 years
confirm the applicable maximum with
Term Loan to Maxgain or Maxgain to Term Loan conversion: ₹5,000 plus . Switchover from , SBAR or Base Rate to : ₹5,000 plus . Loan revalidation: ₹5,000 plus .
10.30% on current Reverse Mortgage Loan (RML) rate-card row
the card does not show a range or print '% p.a.'.
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.
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Single borrower aged at least 60
for joint applications the spouse must be older than 55
Up to ₹2 crore in specified major municipal-corporation areas and ₹1.5 crore at other centres
10–20 years, depending on the borrowers' age
Reverse Mortgage loan: 0.35% of the loan amount, minimum ₹3,000 and maximum ₹12,000, plus .
6.90%–7.65% p.a. for listed institutions and qualifying takeovers
6.75% p.a. for students admitted to any IIT through 31 December 2026. The separate 6.75% offer for named IIM/BITS/IIFT/ISB/XIM/XLRI campuses expired 30 September 2026.
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
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Professional or technical study at an -listed premier Indian institution through entrance or selection, including published full-time degree/diploma, executive-management and selected part-time graduate/postgraduate courses
Without tangible security: List ₹50 lakh, A ₹40 lakh, B ₹30 lakh and C ₹7.50 lakh
with full-value tangible collateral, need-based for /A/B and up to ₹1 crore for C
180 months
begins 12 months after course completion or six months after employment, whichever is earlier
Nil
NIL in the shared Education Loan contingent-charge table.
8.65% p.a. for study in India and ordinary overseas study above ₹7.50 lakh
select overseas institutions: 8.65% unsecured up to ₹50 lakh or 8.15% secured. A 0.50 percentage-point girl-student concession applies to ordinary pricing
no concession on select-institution rates.
(External Benchmark Rate)
states that education-loan rates float for the entire loan period. Current is 7.90% p.a. (Repo Rate 5.25% + spread 2.65%).
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Eligible serving or retired Defence, Indian Coast Guard or personnel, or their spouse or wards, with the co-borrower's qualifying salary or pension account maintained throughout the loan
Study in India follows current Student Loan limits
study abroad follows current Global Ed-Vantage limits, including the published ₹3 crore overall overseas ceiling
180 months
Nil up to ₹20 lakh
₹10,000 plus tax above ₹20 lakh
NIL in the shared Education Loan contingent-charge table.
publishes lower relationship pricing and a check-off concession subject to terms
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.
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Defence employees, including eligible Army, Navy and Air Force personnel
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360 months, subject to repayment by age 75
Full waiver of processing fee
out-of-pocket legal, valuation, CERSAI and charges continue at actuals
official variant schedule (dated 1 April 2024 for perquisite valuation) gives term-loan card rates by score: regular home-loan variants, including Combo and Repair/Renovation, 9.15%–10.15% p.a.
Home Loan adds a 20 bps premium and is 9.35%–10.35% p.a.
Tribal Plus adds 10 bps and is 9.25%–10.25% p.a.
Home Top Up term loans are 9.55%–10.25% p.a. and overdraft rates 9.85%–10.55% p.a. The schedule is a dated reference, not a live quote
confirm the current card rate before applying.
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.
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₹30 lakh for salaried and ₹20 lakh for non-salaried borrowers
Up to 15 years
0.35% of the loan amount
minimum ₹5,000 and maximum ₹15,000 for salaried customers, or minimum ₹5,000 and maximum ₹18,000 for non-salaried customers, plus .
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.
Purchase or construction of a house in a semi-urban or rural area, or repair, improvement or extension of an existing residential property.
The current retail lists Union Home/Union Awas score-linked effective tables
the exact Union Awas rate depends on the applicable score, borrower type, loan quantum and current scheme terms.
Applicable Union Home/Awas rates use Union Bank's published -linked retail rate framework
is 8.00% effective 13 June 2026 on the current benchmark page.
Value awaiting review
No fixed rupee salary or annual-income threshold is published on the reviewed Union Awas page or current retail
the scheme exposes eligibility, margin, quantum and repayment-capacity assessment instead.
The scheme is for house purchase/construction or residential-property repair/improvement/extension in semi-urban or rural areas, subject to Union Bank's eligibility, margin, security and repayment conditions.
No universal Union Awas maximum amount is published on the reviewed product page
quantum is determined under the scheme's loan-amount and margin rules.
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No numeric prepayment or foreclosure charge is published in the reviewed Union Awas page.
Unsecured personal-expense loan for pensioners and family pensioners
no collateral or security is required, with a personal-guarantee condition in the applicable pension cases.
Current Union Cash table: + 2.10%, with effective 10.10% p.a. for the listed pensioner/family-pensioner special scheme
the applicable tier depends on the current Union Bank rate table.
(Repo Rate), shown as 8.00% effective 13 June 2026 on Union Bank's current loans-and-advances rate page.
Value awaiting review
No fixed rupee monthly pension or annual-income threshold is published. Eligibility is assessed largely from pension, repayment capacity, age and credit-information record.
Union Cash is for pensioners and family pensioners. Loan eligibility is assessed largely from pension, repayment capacity, age and /Experian or other credit-information record. A spouse or specified nominee personal guarantee is required under the published .
Pensioner: up to ₹10 lakh when age at loan is up to 70 years, or ₹5 lakhabove 70 years. Family pensioner: up to ₹3 lakh.
Maximum repayment tenure is 5 years for pensioners and 3 years for family pensioners.
The page requires a processing-fee cheque with a branch application but does not publish a numeric fee amount in the reviewed content.
No numeric prepayment or foreclosure charge is published on the reviewed Union Cash page.
Current retail table: Inland/abroad/ Student Union Education up to ₹7.50 lakh is 10.00% p.a. for male students and 9.50% for female students
above ₹7.50 lakh is 9.75% and 9.25% respectively. Other premier, Vidyalaxmi and medical-institute tiers have separate published rates.
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.
Value awaiting review
No fixed rupee income threshold is published. or income proof is required for the borrower, co-borrower or guarantor where applicable.
Education loans are available for courses in India and abroad. The application requires the student and any co-applicant/guarantor to provide , income proof and bank statements
caste certificate is requested where required for statistical purposes.
No single maximum amount is published on the reviewed Education Loan documents page
the current shows separate scheme quantum bands, including up to ₹150 lakh for a premier-abroad collateral tier and up to ₹200 lakh for a premier-medical tier.
Maximum repayment tenure is 15 years.
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.
No numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
The current retail table publishes score-linked Green Home rates from 7.15% p.a. for eligible 825+ score cases
an additional 10 basis-point lower rate is allowed from receipt of the required green-house/project certificate.
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.
Value awaiting review
No fixed rupee income floor is published in the reviewed Green Home rate table
underlying home-loan assessment includes monthly income and repayment capacity.
Applicants must meet the underlying Union Home Loan conditions and provide the required green-house or project certificate to receive the additional green-rate concession.
Value awaiting review
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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.
No prepayment penalty is published for the underlying Union Home Loan
the Green Home variant follows that underlying home-loan condition on the reviewed source.
Union Miles covers non-electric vehicles. The page also describes new and eligible used vehicle purposes for the overall vehicle-loan family.
Current Green Vehicle table: new electric four-wheeler 7.50%–9.90% p.a. by score and borrower type
new electric two-wheeler 10.90%–11.00% p.a.
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.
Value awaiting review
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The applicant must meet Union Bank vehicle-loan conditions and purchase an eligible electric vehicle
the page states Green Miles is the electric-vehicle segment.
No separate Green Vehicle ceiling is published in the reviewed table
the standard vehicle page publishes no ceiling for a new four-wheeler, ₹10 lakh for a new two-wheeler and ₹20 lakh for an eligible old four-wheeler.
Value awaiting review
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.
No numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
the final rate depends on score, loan amount and monthly income. The 18 August 2026 table publishes score-linked Union Home tiers from 7.15% p.a. for eligible 825+ score cases, with higher tiers for lower scores and different borrower/property bands.
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.
Value awaiting review
No fixed rupee minimum salary or annual-income amount is published on the reviewed Union Home Loan rate page or retail table
income is one of the stated pricing and repayment-capacity factors.
Final approval and pricing depend on score, loan amount, monthly income and Union Bank's preset conditions
the reviewed page presents home-loan eligibility for applicants who satisfy those conditions.
Value awaiting review
Value awaiting review
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.
No prepayment penalty is published for the underlying Union Home Loan
the Green Home variant follows that underlying home-loan condition on the reviewed source.
Current Union Mortgage table: self-occupied residential property 9.05%–11.10% p.a.
tenanted residential 9.30%–11.10%
self-occupied commercial/industrial 9.70%–11.60%
leased or multi-tenanted commercial 10.15%–11.85%, by score.
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.
Value awaiting review
No fixed rupee minimum income is published on the reviewed Loan Against Property page
approval depends on property value, repayment capacity and creditworthiness.
Borrower must be at least 21 and not more than 70 years old at loan maturity. The property may be residential, commercial or industrial, owned or co-owned with a close family member, and should be free from legal disputes or encumbrances.
Minimum ₹5 lakh and maximum ₹15 crore.
Value awaiting review
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.
No numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
0.75% p.a. above the of the Union Home Loan account against which Union Mortgage Plus is extended, without factoring the home-loan concession. Borrowers with CIBIL below 700 attract an additional 0.10% risk premium
staff home-loan borrowers are also charged 0.75% above the applicable Union Home Loan .
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.
Value awaiting review
No separate rupee income floor is published
eligibility is tied to an existing Union Home Loan account and the Bank's assessment.
The facility is a top-up for borrowers with an existing Union Home Loan account
the published table sets a separate additional risk premium where is below 700.
Value awaiting review
Value awaiting review
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.
No numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
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.
Value awaiting review
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.
Up to ₹50 lakh, subject to eligibility and repayment capacity.
Up to 84 months (7 years).
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.
Current retail table: new four-wheeler 7.60%–10.00% p.a. depending on score and borrower type
new two-wheeler 10.90%–11.20%
old four-wheeler up to 3 years11.60%–11.70%
Green Vehicle rates are lower in the separate Green Vehicle table.
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.
The issuer describes the loan rate as an annual percentage rate but does not publish a separate calculation or fee-inclusive figure.
No fixed rupee salary or annual-income floor is published. Loan amount depends on age, gross income, , deductions and vehicle cost.
Individuals may finance a new four-wheeler, a used four-wheeler not older than 3 years or a new two-wheeler. Companies and firms may borrow for professional-use vehicles. A minimum CIBIL score of 700 is required for the application to be considered for further processing.
New four-wheeler: no ceiling published. Old four-wheeler not older than 3 years: up to ₹20 lakh. New two-wheeler: up to ₹10 lakh.
Value awaiting review
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.
No numeric prepayment or foreclosure charge is published on the reviewed product page or current retail table for this variant.
Education financing for undergraduate and graduate study in India or abroad. The current page publishes a 2% processing fee on the sanctioned loan amount
individual rate, amount and other terms are not stated there.
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
Value awaiting review
The page advertises ‘repayment of 15 years post completion of course’
it does not define the schedule or state whether this is a maximum tenure
Salaried employees in private or public enterprises
the specifies Indian citizens whose employment is regular or fixed.
₹50 lakh
12–72 months
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.
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Baroda Digital Education LoanBank of Baroda
Baroda Digital Personal LoanBank of Baroda
Baroda Flexi Loan over Home securityBank of Baroda
Baroda Personal LoanBank of Baroda
Baroda Two Wheeler LoanBank of Baroda
Baroda Home LoanBank of Baroda
Bank of Maharashtra Agriculture Infrastructure Fund LoanBank of Maharashtra
Bank of Maharashtra AHIDF LoanBank of Maharashtra
Maha Agri-machinery Rental SchemeBank of Maharashtra
Maha Krishi Samrudhi YojanaBank of Maharashtra
Bank of Maharashtra PMFME LoanBank of Maharashtra
Bank of Maharashtra Solar Home Lighting LoanBank of Maharashtra
