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Baroda Home Loan for / Max Savings

Bank of Baroda offers home loan max savings facility for / at very competitive interest rate & no pre-payment penalty. Check your eligibility & apply online for Baroda home loan!

Interest rateThe current NRI CRE page and the current Retail Loans schedule disagree. The NRI page shows BRLLR −0.50% to +1.70% for CRE and CRE Advantage up to ₹75 lakh, and BRLLR −0.25% to +1.95% for Advantage above ₹75 lakh; the rate page's CRE Max Savings rows show BRLLR −0.45% to +1.30% up to ₹75 lakh and −0.20% to +1.55% above. The NRI page's MITC separately says floating pricing is 1-year MCLR to 1-year MCLR +1%. Confirm the applicable NRI rate with the Bank; no single range is selected.Maximum loan amountLocation-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 LTV/margin rules; the CRE page does not list semi-urban or rural ceilings.Repayment periodMaximum 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.
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Quick eligibility check

Baroda Home Loan for / Max Savings

0 of 7 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: For NRIs holding Indian passports, PIOs holding foreign passports and OCIs?

Published source: Eligibility

2Do you meet this requirement: Applicants may borrow singly or jointly?

Published source: Eligibility

3Do you meet this requirement: HUFs are excluded?

Published source: Eligibility

4Does your annual income meet this requirement: 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?

Published source: Eligibility

5Does your age meet this requirement: 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?

Published source: Eligibility

6Document checkDo you have this required document or proof: not CRE-specific) asks salaried applicants for an employment contract, six months of salary slips, employer ID, applicable discharge certificate, work permit, visa, NRE and six-month overseas bank statements, supporting bio-data, guarantor forms/proof, two years of Indian/foreign income-tax returns, and an employer remittance undertaking if required by sanction?

Published source: Documents shown in the listed NRI Home Loan application form

7Document checkDo you have this required document or proof: Its generic self-employed, PIO and property-document lists are preserved in the product table?

Published source: Documents shown in the listed NRI Home Loan application form
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

CRE Home Loan for NRI/PIOs purposeThe scheme treats purchase or construction of a third dwelling unit onward (or a plot) as commercial-real-estate exposure for an individual owning two or more houses singly or jointly. Eligible borrowers are NRIs, PIOs and OCIs; purposes include purchase/construction, plot plus construction, takeover, extension and reimbursement.View source
The official overview and Eligibility sections publish the dwelling-unit trigger and permitted purposes.
Source
Baroda Home Loan for / Max Savings
Page / section
Overview / Eligibility
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsFor NRIs holding Indian passports, PIOs holding foreign passports and OCIs. Applicants may borrow singly or jointly; HUFs 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.View source
The manually reviewed product record states: “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.”.
Source
Baroda Home Loan for / Max Savings — official product page
Page / section
Published product metadata
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Loan typeNRI/PIO commercial-real-estate home finance. Bank of Baroda says a third dwelling unit onward, or purchase of a plot, is treated as CRE exposure when an individual already owns two or more houses singly or jointly.View source
The page says a home loan for third dwelling units onward is treated as exposure and says an individual owning two or more houses singly or jointly falls under the scheme for the third house onward or plot purchase.
Source
Baroda Home Loan for / Max Savings
Page / section
Overview
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
EligibilityFor NRIs holding Indian passports, PIOs holding foreign passports and OCIs. Applicants may borrow singly or jointly; HUFs 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.View source
The page names the // target; requires a qualifying overseas work/residence period of two years and ₹5 lakh gross annual income for counted-income applicants; excludes ; and publishes borrower/co-applicant ages and co-applicant rules.
Source
Baroda Home Loan for / Max Savings
Page / section
Eligibility; — Target Group, Borrower Eligibility, //, Co-applicants, Income Criteria and Age
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
PurposePurchase or construction of a house/flat; purchase of a residential plot; purchase of a plot with house construction; takeover from another bank, HFC, NBFC or financial institution; extension/additional construction; or reimbursement of house/flat construction expenses paid from own sources.View source
All six purposes are enumerated in the product page's Purpose list.
Source
Baroda Home Loan for / Max Savings
Page / section
Eligibility — Purpose
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Interest rateThe current NRI CRE page and the current Retail Loans schedule disagree. The NRI page shows BRLLR −0.50% to +1.70% for CRE and CRE Advantage up to ₹75 lakh, and BRLLR −0.25% to +1.95% for Advantage above ₹75 lakh; the rate page's CRE Max Savings rows show BRLLR −0.45% to +1.30% up to ₹75 lakh and −0.20% to +1.55% above. The NRI page's MITC separately says floating pricing is 1-year MCLR to 1-year MCLR +1%. Confirm the applicable NRI rate with the Bank; no single range is selected.Effective 12 Sept 2026View source
page rows publish −0.50%/+1.70% and −0.25%/+1.95%; the current bank-wide Max Savings rows publish −0.45%/+1.30% and −0.20%/+1.55%. The text also names one-year as the floating benchmark.
Source
Baroda Home Loan for / Max Savings; Retail Loans Interest Rates
Page / section
Product page — Interest rates & charges and — Rate of Interest; current Retail Loans rate page — Home Loan (Max Savings) floating-rate rows
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Processing feeConflicting official terms: the CRE NRI page states a 100% processing-charge waiver for specified DSA/channel/project leads, with ₹3,500–₹10,000 + GST out-of-pocket costs per property; for non-DSA 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.Effective 1 Apr 2025View source
The scheme page publishes channel-specific 100% waivers and out-of-pocket amounts. The newer dated service schedule says Baroda Home Loan (All variants) with 50%/25% rates, floors, caps and a flat takeover amount; it does not state a / exception.
Source
Baroda Home Loan for / Max Savings; Service Charges
Page / section
Product page — Processing Charges; service charges page — Mortgages & Retail Asset, effective 1 April 2025
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Processing-charge termsThe CRE NRI page lists a 100% processing-charge waiver for non-takeover/DSA leads by digital, non-digital and approved-project routes, subject to separate per-property out-of-pocket costs; a non-DSA takeover has a refundable login fee. A current bank-wide all-variants Home Loan tariff also publishes percentage charges, so the variant-level payable amount remains disputed.Effective 1 Apr 2025View source
The scheme page names digital, non-digital, approved-project and non- takeover routes. The service schedule's all-variants row is preserved alongside it, not silently treated as an exception.
Source
Baroda Home Loan for / Max Savings; Service Charges
Page / section
Product page — Processing Charges; current service schedule — Mortgages & Retail Asset
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Minimum gross annual incomeCombined 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 NRI is included.View source
The page requires minimum gross annual income equivalent to ₹5 lakh for counted-income applicants and says applicant/co-applicant incomes may be combined when an is included.
Source
Baroda Home Loan for / Max Savings
Page / section
— // eligibility and income criteria
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Maximum loan amountLocation-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 LTV/margin rules; the CRE page does not list semi-urban or rural ceilings.View source
The source lists Mumbai ₹10 crore, Other Metros ₹5 crore, and Urban Areas ₹3 crore twice, subject to income, repayment capacity and /margin norms.
Source
Baroda Home Loan for / Max Savings
Page / section
— Limit: Maximum Limit
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Repayment periodMaximum 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.View source
The page states a 30-year maximum including a maximum 36-month moratorium and the 18-month/6-month-per-floor under-construction schedule.
Source
Baroda Home Loan for / Max Savings
Page / section
— Repayment Period and Repayment
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Rate benchmarkConflicting benchmark wording: the NRI page's rate table uses BRLLR spreads and says CRE is 0.25% above the normal NRI/PIO home-loan rate, while its MITC says floating pricing is linked to 1-year MCLR with an annual reset. The current schedule lists 1-year MCLR at 8.75% (effective 12 September 2026) and BRLLR at 7.90% (effective 6 December 2025); its CRE Max Savings floating rows use BRLLR, while a separate MCLR-linked CRE 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 NRI variant; no borrower rate is calculated.Effective 12 Sept 2026View source
The page uses in its rate table and 1-year in its . The current rate page dates 1-year 8.75% to 12 September 2026 and 7.90% to 6 December 2025; the same page contains current rows and a separate spread section labelled effective from 1 April 2016.
Source
Baroda Home Loan for / Max Savings; Retail Loans Interest Rates
Page / section
Interest rates & charges; — Rate of Interest; current Retail Loans rate page — benchmark and Max Savings rows
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Pre-closure chargeThe NRI CRE MITC 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 NRI CRE page says fixed pricing was withdrawn but the current bank-wide schedule prints fixed CRE rows without defining NRI applicability, the fixed-rate tariff is not assigned to this borrower variant.View source
The displays Nil under Pre Closure Charges. The generic fixed-rate tariff lists own-source nil and 0.50% for takeover by another lender; its scheme applicability is unresolved.
Source
Baroda Home Loan for / Max Savings; Service Charges
Page / section
— Pre Closure Charges and Rate of Interest; service charges — Pre-payment charges under Fixed Rate Retail Loans
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
SecurityPrimary security is a mortgage of the property purchased or constructed. If mortgage is not feasible, the Bank may at its discretion accept insurance policies, government promissory notes, shares/debentures or gold ornaments as security.View source
The states mortgage of the purchased/constructed property; when not feasible the Bank may at its discretion accept the listed alternative securities.
Source
Baroda Home Loan for / Max Savings
Page / section
— Security
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Repayment capacityTotal deductions including the proposed EMI are capped at 50%–75% of gross monthly income for salaried applicants, depending on income band. For others, the cap is 70% of average gross annual income over the last two years up to ₹6 lakh and 80% above ₹6 lakh.View source
The source labels salaried bands (gross monthly income) and separately provides two average gross annual income bands for Others.
Source
Baroda Home Loan for / Max Savings
Page / section
— Repayment capacity
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Margin and loan-to-valueUp to ₹30 lakh: 10% margin and 90% LTV. Above ₹30 lakh up to ₹75 lakh: 20% margin and 80% LTV. Above ₹75 lakh: 25% margin and 75% LTV.View source
The page gives three amount bands with their corresponding margin and maximum percentages.
Source
Baroda Home Loan for / Max Savings
Page / section
— Margin Norms & Loan to Value () Ratio
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Age criteriaMinimum age: borrower 21 years and co-applicant 18 years. The Bank says maximum age may be considered up to 70 years; the page does not clarify the exact age-measurement point.View source
The source states minimum borrower age 21, co-applicant age 18 and maximum age considered up to 70; no point in the loan lifecycle is named for the maximum.
Source
Baroda Home Loan for / Max Savings
Page / section
— Age
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Repayment conditionsRepayment is by EMIs; farmers/agriculturists may be allowed half-yearly instalments aligned with harvesting/marketing of major crops. Interest charged during a moratorium is recovered when debited. Maximum loan period is 30 years, including a maximum 36-month moratorium.View source
The describes repayment, a possible half-yearly agriculturist schedule and recovery of moratorium interest as it is debited.
Source
Baroda Home Loan for / Max Savings
Page / section
— Repayment and Repayment Period
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Optional group credit-life coverOptional group credit-life cover is offered through IndiaFirst Life at the borrower's cost. A one-time premium depends on age, loan amount, interest rate and tenure; at the borrower's request it may be funded in the loan subject to LTV and repaid through EMIs. The insurer pays the scheduled outstanding cover following a covered death claim; the page says part of premium may be refunded after foreclosure. Cover and refund are subject to policy terms.View source
The page calls the policy optional and borrower-paid, permits financing subject to , ties its single premium to age/loan/rate/term, describes outstanding-schedule cover and says part may be refunded on foreclosure.
Source
Baroda Home Loan for / Max Savings
Page / section
— Group Credit Life Insurance Cover
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Documents shown in the listed NRI Home Loan application formThe currently listed generic NRI Home Loan form (modified 17 February 2022; not CRE-specific) asks salaried applicants for an employment contract, six months of salary slips, employer ID, applicable discharge certificate, work permit, visa, NRE and six-month overseas bank statements, supporting bio-data, guarantor forms/proof, two years of Indian/foreign income-tax returns, and an employer remittance undertaking if required by sanction. It also describes a foreign salary/income statement attested by the Bank's foreign/subsidiary office or competent authority, or notarized where attestation is unavailable. Its generic self-employed, PIO and property-document lists are preserved in the product table; do not treat this legacy form as the exact current CRE checklist.View source
The listed form has a 2022 modification date and enumerates these application documents; neither the form listing nor form labels it as -specific.
Source
Bank of Baroda Home Loan application form — generic 18-page
Page / section
pages 13–14 — , self-employed, and property documents
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
PIO and OCI definitions stated by the BankThe Bank's page defines PIO eligibility using former Indian passport, Indian parent/grandparent citizenship, or spouse relationship, subject to listed country exclusions; it describes OCI registration, PIO status, ancestry/territory and minor-child routes, and excludes people who have ever been citizens of Pakistan or Bangladesh. These are the Bank page's descriptions, not independent legal guidance.View source
The product page states the citizenship exclusions and routes, registration/ criteria, ancestry/territory eligibility and Pakistan/Bangladesh former-citizenship exclusion.
Source
Baroda Home Loan for / Max Savings
Page / section
— Person of Indian Origin (); Overseas Citizen of India ()
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Co-applicant rulesClose relatives may be added as co-applicants for higher eligibility. A person who is not a close relative may be considered only if they jointly own the property. The Bank's list includes spouse; father; mother (including stepmother); son (including stepson); son's wife; daughter (including stepdaughter); daughter's husband; brother/sister (including step-siblings); brother's wife; spouse's sister (including step-sister); sister's husband; and spouse's brother (including step-brother).View source
The page describes close-relative co-applicants, the joint-owner condition for a non-relative and a specific enumerated relative list.
Source
Baroda Home Loan for / Max Savings
Page / section
— Co-Applicants and List of Close Relatives
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Fixed-rate optionThe NRI CRE page says its fixed-rate option was withdrawn effective 1 July 2010. The current bank-wide schedule nevertheless prints fixed-rate spreads for CRE Max Savings without stating whether those rows revive or include the NRI/PIO scheme. NRI fixed-rate availability therefore remains unresolved; do not apply those spreads to an NRI borrower without Bank confirmation.Effective 1 Jul 2010View source
The page says its Fixed Rate Option stands withdrawn effective 1 July 2010; the broader current schedule prints fixed Max Savings spreads but does not state / applicability.
Source
Baroda Home Loan for / Max Savings; Retail Loans Interest Rates
Page / section
— Rate of Interest; current Retail Loans schedule — fixed Max Savings rows
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Fixed-rate spreads in current bank-wide scheduleThe current bank-wide rate page prints fixed-rate CRE Max Savings spreads of BRLLR +1.25% to +2.30% (salaried) and +1.35% to +2.30% (non-salaried) up to ₹75 lakh; above ₹75 lakh it prints +1.50% to +2.55% and +1.60% to +2.55%, respectively. The NRI CRE page says its fixed option was withdrawn in 2010, and the broader rows do not specify NRI/PIO eligibility; these are preserved as conflicting schedule data, not a confirmed NRI offer.Effective 12 Sept 2026View source
The broad current rate page prints separate salaried/non-salaried fixed spreads for two loan bands; the scheme page states the fixed option was withdrawn effective 1 July 2010.
Source
Retail Loans Interest Rates; Baroda Home Loan for / Max Savings
Page / section
Retail Loans schedule — Fixed Rate Home Loan (Max Savings), rows 535–581; — Rate of Interest
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Rate conditions and risk premiumThe NRI CRE page says its rate is 0.25% above the applicable normal NRI/PIO home-loan rate, varies with loan limit and CIBIL score, and adds a 0.05% risk premium when the borrower does not obtain credit insurance cover. Separately, the current bank-wide MCLR footnote says a 0.05% premium on Home Loan variants may be waived when credit insurance covers the full tenure. The rate/benchmark conflict prevents treating either note as a final individualized price.Effective 12 Sept 2026View source
The page states the 0.25% premium, /limit dependence and 0.05% uninsured-credit premium. The rate schedule's note separately states a 0.05% risk premium/credit-insurance waiver condition.
Source
Baroda Home Loan for / Max Savings; Retail Loans Interest Rates
Page / section
page — Interest rates & charges; Retail Loans schedule — pricing footnote
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
CRE NRI rate terms printed on the product pageThe NRI page prints BRLLR −0.50% to +1.70% for CRE and CRE Advantage up to ₹75 lakh, and BRLLR −0.25% to +1.95% for CRE Advantage above ₹75 lakh; it also says CRE is 0.25% over the normal NRI/PIO home-loan rate. Its MITC instead describes floating pricing as 1-year MCLR to 1-year MCLR +1%. Current bank-wide CRE Max Savings floating rows differ. The page's separate 0.00% effective-rate cells are not a borrower quote; confirm the applicable rate with the Bank.Effective 12 Sept 2026View source
All six page salaried/non-salaried spread rows and the 0.25% premium were transcribed. Same-page terms and current bank-wide floating table are retained as conflicts.
Source
Baroda Home Loan for / Max Savings; Retail Loans Interest Rates
Page / section
Product page — Interest rates & charges, Rate of Interest; Retail Loans schedule — Max Savings floating rows
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Rate-conversion charge in bank-wide Home Loan tariffThe service-charge page lists 0.10% of the outstanding plus undisbursed loan amount, minimum ₹10,000 and maximum ₹1,00,000 per account per conversion when the borrower switches the interest rate. It also says a Top-up, Suvidha Personal Loan, Home Improvement Loan and linked Home Loan account are clubbed as one account to determine the minimum and maximum. The row is labelled Home Loan & Mortgage Loan; CRE NRI applicability is not separately stated and no effective date is printed beside this conversion section.View source
The schedule specifies 0.10% of outstanding and undisbursed amount, minimum ₹10,000 and maximum ₹1,00,000 per account each time the borrower switches .
Source
Service Charges — Home Loan rate conversion
Page / section
Retail asset charges — Home Loan & Mortgage Loan rate-conversion charge
Accessed
23 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Designed for // borrowers whose third dwelling unit onwards is treated as commercial-real-estate exposure under the page's -linked rule.
  • Supports purchase/construction of a house or flat, residential plot purchase/construction, takeover, extension and reimbursement of eligible construction expenses.
  • Pricing is the applicable normal / home-loan rate plus 0.25%; the page publishes separate salaried/non-salaried and loan-band spread rows.
  • Processing charges are waived for listed digital, non-digital and approved-project routes, subject to property out-of-pocket recovery of ₹8,500, ₹10,000 or ₹3,500 plus ; non- takeover has a refundable ₹1,500 login fee.
  • Minimum gross annual income equivalent to ₹5 lakh applies where applicant/co-applicant income is considered, with published 30-year tenure, 36-month moratorium and /margin bands.

Eligibility

  • with Indian passports, with foreign passports and

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Not published on the reviewed official home-loan page; no document checklist is displayed.

Related official documents

Baroda CRE Home Loan for NRI/PIOs Max Savings — current official product pageofficial-product-page · current; complete rendered page review · accessed 29 Sept 2026
↗
Home Loan APR Calculator workbook — linked XLSX retrieval attemptofficial-linked-xlsx · Inaccessible on 23 September 2026; retry if the Bank repairs or replaces the linked workbook. · accessed 23 Sept 2026
↗
Home Loan EMI Calculator page — general planning tool and APR linkofficial-calculator-page · General calculation tool reviewed; APR workbook link is currently broken. · accessed 23 Sept 2026
↗
Retail Loans Interest Rates — current MCLR/BRLLR and Home Loan rate rowsofficial-interest-rate-page · Current rate page; CRE Max Savings spreads and BRLLR basis differ from the NRI CRE page's published spread/MCLR terms. · accessed 23 Sept 2026
↗
Service Charges — current Home Loan processing, conversion and fixed-rate prepayment rowsofficial-service-charge-page · Current schedule effective 1 April 2025; the generic all-variants row conflicts with CRE NRI-specific processing-waiver terms. · accessed 23 Sept 2026
↗
Bank of Baroda service charges — retail processing and prepayment scheduleofficial-service-charge-page · current · accessed 29 Aug 2026
↗
Baroda CRE Home Loan for NRI/PIOs Max Savings — official pageofficial-product-page · current · accessed 29 Aug 2026
↗
Baroda CRE Home Loan for NRI/PIOs Max Savings — current official product pageofficial-product-page · Current page reviewed; the published NRI rate/benchmark and processing-charge statements conflict with current bank-wide schedules. · accessed 23 Sept 2026
↗
Baroda CRE Home Loan for NRI/PIOs Max Savings — retrieval retryofficial-product-page · inaccessible; timeout · accessed 28 Sept 2026
↗
Bank of Baroda NRI Home Loan application form — 18-page PDFofficial-pdf · Official form presently listed for NRI Home Loans; referenced for CRE only as generic NRI Home Loan application material. Its embedded tariff is historical and its checklist is not Max Savings- or CRE-specific. · accessed 23 Sept 2026
↗
Bank of Baroda NRI Download Forms — Home Loan application listingofficial-document-listing · Current official NRI forms listing; the linked application is generic Home Loan material, not a CRE-specific checklist. · accessed 23 Sept 2026
↗
Bank of Baroda NRI/PIO loan pages — MITC and unified chargesofficial-product-pages · current · accessed 29 Aug 2026
↗
Baroda Home Loan Max Savings for NRI/PIOs — current official product pageofficial-product-page · Current page reviewed; rate benchmark applicability, processing-fee decimal, exact checklist, APR and product-specific artwork remain unresolved. · accessed 23 Sept 2026
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
↗
Retail Loans Interest Rates — current BRLLR/MCLR benchmarks and pre-owned auto rate rowsofficial-rate-page · Current official schedule manually rechecked 2026-09-27; dedicated product-page range and GCLI wording conflict with this schedule · accessed 27 Sept 2026
↗
Bank of Baroda Retail Loans Interest Rates — current official scheduleofficial-rate-schedule · current; relevant rate schedule reviewed · accessed 29 Sept 2026
↗

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Loan repayment estimate

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One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

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Car Loan & Digital Car Loan · Published treatment₹1,500 + up to ₹10 lakh; ₹2,000 + above ₹10 lakh; named concessions apply

This value is copied from Bank of Baroda retail loan processing and prepayment rules reviewed. Check the table notes before relying on it.

Source: Bank of Baroda service charges — retail processing and prepayment schedule · Mortgages & Retail Asset; Pre-Payment Charges under Fixed Rate Retail Loans Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 8 rows · 2 columnsBank of Baroda retail loan processing and prepayment rules reviewedKey rows preserved from the current official service-charge schedule and linked product pages.View tableHide table

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Bank of Baroda retail loan processing and prepayment rules reviewed
Product/rulePublished treatment
Car Loan & Digital Car Loan₹1,500 + up to ₹10 lakh; ₹2,000 + above ₹10 lakh; named concessions apply
Home Loan & Home Improvement Loan0.50% (min ₹8,500, max ₹15,000) up to ₹50 lakh; 0.25% (min ₹8,500, max ₹25,000) above ₹50 lakh; takeover ₹8,500
/ Home LoanProcessing waived; out-of-pocket ₹8,500/₹10,000/₹3,500 + by channel/project; non- takeover login ₹1,500 refundable
Fixed-rate Advance Against Securities1% + of outstanding amount on prepayment
Fixed-rate Education/Skill LoanOwn-source nil; takeover 0.50% of outstanding
bob Insta Personal LoanFloating nil; fixed 3% + during first 3 years; nil after 36 months and stated exceptions
-Surya GharNo foreclosure charges
E-commerce overdraft and loanNo product-specific prepayment charge published in reviewed materials
  • is extra where the schedule says so. A Not published result means the named product page and applicable current schedule were both checked; no value is inferred from another product.
Bank of Baroda service charges — retail processing and prepayment schedule · Mortgages & Retail Asset; Pre-Payment Charges under Fixed Rate Retail Loans · effective 1 Apr 2025 · accessed 29 Aug 2026Open official source ↗
Table 2 · 7 rows · 2 columnsBaroda CRE Home Loan NRI/PIO — published limit and repayment termsLocation-based limits and repayment terms transcribed from the MITC.View tableHide table

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Baroda CRE Home Loan NRI/PIO — published limit and repayment terms
Published itemValue
Mumbai maximum limit₹10 crore
Other metros maximum limit₹5 crore
Urban maximum limit₹3 crore
Maximum loan period30 years including moratorium
Maximum moratorium36 months
Pre-closure chargeNil
Minimum gross annual income₹5 lakh equivalent
  • Limits remain subject to income criteria, repayment capacity and /margin norms.
Baroda Home Loan for / Max Savings — official page · — Limit, Repayment Period, Income Criteria and Pre Closure Charges · accessed 29 Aug 2026Open official source ↗
Table 3 · 6 rows · 4 columnsBaroda CRE Home Loan for NRI/PIOs — rates printed on the product pageThe product page calls this the CRE NRI/PIO interest-rate table. Its effective-rate widget displays 0.00% in each row; that display is preserved literally and is not interpreted as the borrower's payable rate.View tableHide table

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Baroda CRE Home Loan for NRI/PIOs — rates printed on the product page
Product / bandApplicant condition spread printedEffective rate displayed
Baroda Home LoanSalaried −0.50% to +1.70%0.00%
Baroda Home LoanNon-salaried −0.50% to +1.70%0.00%
Baroda Home Loan (Advantage), up to ₹75 lakhSalaried −0.50% to +1.70%0.00%
Baroda Home Loan (Advantage), up to ₹75 lakhNon-salaried −0.50% to +1.70%0.00%
Baroda Home Loan (Advantage), above ₹75 lakhSalaried −0.25% to +1.95%0.00%
Baroda Home Loan (Advantage), above ₹75 lakhNon-salaried −0.25% to +1.95%0.00%
  • The page also says pricing is 0.25% above the applicable normal / home-loan rate.
  • Rate depends on loan limit and score; a 0.05% risk premium is stated for customers who do not obtain credit insurance cover.
  • The elsewhere on the same page instead describes floating pricing as one-year to one-year +1% with an annual reset. See the conflict fact and current bank-wide rate table.
Baroda Home Loan for / Max Savings — official product page · Interest rates & charges, rows 133–214 · accessed 23 Sept 2026Open official source ↗
Table 4 · 4 rows · 4 columnsRetail Loans rate page — CRE Max Savings floating spreadsCurrent bank-wide rate-page entries explicitly named CRE Home Loan (Max Savings); these differ from the NRI CRE product-page entries.View tableHide table

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Retail Loans rate page — CRE Max Savings floating spreads
Product / bandApplicant condition spread printedEffective rate displayed
Baroda Home Loan (Max Savings), up to ₹75 lakhSalaried −0.45% to +1.30%0.00%
Baroda Home Loan (Max Savings), up to ₹75 lakhNon-salaried −0.45% to +1.30%0.00%
Baroda Home Loan (Max Savings), above ₹75 lakhSalaried −0.20% to +1.55%0.00%
Baroda Home Loan (Max Savings), above ₹75 lakhNon-salaried −0.20% to +1.55%0.00%
  • Current Retail Loans page gives 7.90% effective 6 December 2025 and current repo 5.25%; do not present arithmetic ranges as confirmed individual offers while the page conflicts.
  • 0.00% is transcribed exactly from the page's Effective Rate of Interest cell and is not treated as a valid loan offer.
Retail Loans Interest Rates — current Bank of Baroda schedule · -linked floating rows — Baroda Home Loan (Max Savings), up to/above ₹75 lakh · effective 12 Sept 2026 · accessed 23 Sept 2026Open official source ↗
Table 5 · 4 rows · 4 columnsRetail Loans schedule — fixed-rate CRE Max Savings spreadsFour fixed-rate rows currently printed by the bank-wide rate page. Applicability to NRI/PIO CRE is unresolved because the NRI-specific product page says its fixed option was withdrawn in 2010.View tableHide table

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Retail Loans schedule — fixed-rate CRE Max Savings spreads
Product / loan bandApplicant type spread printedEffective rate displayed
Baroda Home Loan (Max Savings), up to ₹75 lakhSalaried +1.25% to +2.30%0.00%
Baroda Home Loan (Max Savings), up to ₹75 lakhNon-salaried +1.35% to +2.30%0.00%
Baroda Home Loan (Max Savings), above ₹75 lakhSalaried +1.50% to +2.55%0.00%
Baroda Home Loan (Max Savings), above ₹75 lakhNon-salaried +1.60% to +2.55%0.00%
  • The bank-wide rate page does not state / eligibility for these fixed rows. Do not use them as this product's borrower offer.
  • 0.00% is reproduced from the page's effective-rate widget and is not interpreted as an actual loan rate.
  • The page states its fixed option was withdrawn effective 1 July 2010; this is an explicit source conflict.
Retail Loans Interest Rates — current Bank of Baroda schedule · Fixed Rate — Baroda Home Loan (Max Savings), rows 535–581; compare Rate of Interest · effective 12 Sept 2026 · accessed 23 Sept 2026Open official source ↗
Table 6 · 2 rows · 2 columnsRetail Loans schedule — MCLR-linked CRE Max Savings sectionA separately printed MCLR section in the current rate page, labelled effective from 1 April 2016. It is preserved as published schedule evidence, not selected as a current NRI quote.View tableHide table

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Retail Loans schedule — MCLR-linked CRE Max Savings section
Product / loan bandSpread over normal Home Loan rate
Baroda Home Loan (Max Savings), up to ₹75 lakh0.25%
Baroda Home Loan (Max Savings), above ₹75 lakh0.50%
  • The source section is labelled effective from 1 April 2016. The live page separately shows 1-year at 8.75% effective 12 September 2026, but the 'normal Home Loan rate' base and the applicability of these older spreads are not resolved; no arithmetic borrower rate is inferred.
Retail Loans Interest Rates — current Bank of Baroda schedule · -linked Retail Loans — Baroda Home Loan (Max Savings), effective-date heading 1 April 2016 · effective 1 Apr 2016 · accessed 23 Sept 2026Open official source ↗
Table 7 · 6 rows · 4 columnsNRI CRE processing routes and conflicting all-variants tariffPreserves the scheme page's distinct route-specific waiver terms beside the current generic all-variants home-loan tariff; unresolved application is explicit.View tableHide table

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NRI CRE processing routes and conflicting all-variants tariff
Source / routeProcessing-charge wordingSeparate fee / costTax and condition
page — non-takeover and takeover leads through , digital channel100% waiver₹8,500 per property+ ; out-of-pocket expense
page — non-takeover and takeover leads through , non-digital channel100% waiver₹10,000 per property+ ; out-of-pocket expense
page — loan financed in approved project100% waiver₹3,500 per property+ ; out-of-pocket expense
page — takeover lead through non-NIL₹1,500 login feeRefunded on first disbursement; source does not add to this sentence
Current service charges — Baroda Home Loan (All variants), loan up to ₹50 lakh50% as printed; minimum ₹8,500, maximum ₹15,000Takeover separately listed at ₹8,500Effective 1 April 2025; all charges excl.
Current service charges — Baroda Home Loan (All variants), loan above ₹50 lakh25% as printed; minimum ₹8,500, maximum ₹25,000Takeover separately listed at ₹8,500Effective 1 April 2025; all charges excl.
  • The product-specific page and generic all-variants tariff are both official and neither page reconciles how the waiver applies to the later schedule. Do not calculate a payable fee from the disputed percentage wording.
Baroda Home Loan for / Max Savings; Service Charges · page — Processing Charges; Service Charges — Mortgages & Retail Asset, effective 1 April 2025 · effective 1 Apr 2025 · accessed 23 Sept 2026Open official source ↗
Table 8 · 7 rows · 3 columnsBaroda CRE Home Loan NRI/PIO — repayment-capacity limitsMaximum total deductions including proposed EMI by salaried GMI and other-applicant average gross annual income.View tableHide table

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Baroda CRE Home Loan NRI/PIO — repayment-capacity limits
Applicant typePublished income bandMaximum deductions including proposed
SalariedGross monthly income () below ₹20,00050%
Salaried ₹20,000 and above but below ₹50,00060%
Salaried ₹50,000 and above but below ₹2 lakh65%
Salaried ₹2 lakh and above but below ₹5 lakh70%
Salaried ₹5 lakh and above75%
OthersAverage gross annual income over last 2 years up to ₹6 lakh70%
OthersAverage gross annual income over last 2 years above ₹6 lakh80%
  • The page labels the salaried basis (gross monthly income); it labels the other-applicant basis average gross annual income for the last two years.
Baroda Home Loan for / Max Savings — official page · — Repayment capacity · accessed 23 Sept 2026Open official source ↗
Table 9 · 3 rows · 3 columnsBaroda CRE Home Loan NRI/PIO — margin and loan-to-value tiersFull amount-band table as published in the MITC.View tableHide table

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Baroda CRE Home Loan NRI/PIO — margin and loan-to-value tiers
Loan amountMargin ratio
Up to ₹30 lakh10%90%
Above ₹30 lakh up to ₹75 lakh20%80%
Above ₹75 lakh25%75%
  • The maximum loan remains subject to income criteria, repayment capacity and /margin norms.
Baroda Home Loan for / Max Savings — official page · — Margin Norms & Loan to Value () Ratio · accessed 23 Sept 2026Open official source ↗
Table 10 · 10 rows · 2 columnsBaroda CRE Home Loan NRI/PIO — target, income, citizenship and co-applicant termsPage-stated eligibility rules, including the Bank's PIO/OCI descriptions and close-relative list.View tableHide table

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Baroda CRE Home Loan NRI/PIO — target, income, citizenship and co-applicant terms
TopicPublished condition
Target group holding Indian passport; holding foreign passport; or
Borrower structureIndividuals singly or jointly; is not eligible
Overseas work/residenceCounted-income applicant/co-applicant: regular overseas job with valid contract/work permit for minimum past 2 years, OR employed/self-employed/business and staying abroad at least 2 years
Minimum gross annual incomeEquivalent to ₹5 lakh; applicant/co-applicant incomes may be combined where is included
definitionEligible foreign-country citizen, excluding Bangladesh, Pakistan, Sri Lanka, Afghanistan, China, Iran, Nepal and Bhutan, if they held Indian passport; or they/parent/grandparent were Indian citizens under the stated law; or they are spouse of an Indian citizen/qualifying person
definitionRegistered under section 7A of the Citizenship Act, 1955; the Bank's page says must necessarily be and describes ancestry/territory routes and minor children
exclusionThe page says a person who has ever been a citizen of Pakistan or Bangladesh is ineligible for
Co-applicantClose relatives may join for higher eligibility; a non-close-relative may be considered only if a joint owner of the property
Close relatives — immediate/childrenSpouse; father; mother including stepmother; son including stepson; son's wife; daughter including stepdaughter; daughter's husband
Close relatives — siblings/in-lawsBrother/sister including step-siblings; brother's wife; spouse's sister including step-sister; sister's husband; spouse's brother including step-brother
  • These rows reproduce the Bank's own eligibility definitions; they are not independent legal advice.
  • The source includes a few dated legal references; no separate legal update is inferred.
Baroda Home Loan for / Max Savings — official page · — //, Person of Indian Origin, Overseas Citizen of India, Co-Applicants and List of Close Relatives · accessed 23 Sept 2026Open official source ↗
Table 11 · 6 rows · 1 columnsBaroda CRE Home Loan for NRI/PIO — permitted purposesAll six purposes listed in the product-page Eligibility section.View tableHide table

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Baroda CRE Home Loan for NRI/PIO — permitted purposes
Purpose
Purchase or construction of a house/flat
Purchase of a residential plot
Purchase of a residential plot and construction of a house
Takeover from another bank, , or financial institution
Extension of an existing house/additional construction
Reimbursement of house/flat construction expenses paid from own sources
  • The product page marks a footnote after residential-plot purchase; the visible page text reviewed here did not provide an additional footnote condition, so no condition is inferred.
Baroda Home Loan for / Max Savings — official page · Eligibility — Purpose · accessed 23 Sept 2026Open official source ↗
Table 12 · 12 rows · 2 columnsBaroda CRE Home Loan NRI/PIO — age, security and repayment mechanicsAdditional MITC conditions that do not fit the location, rate, capacity or LTV tables.View tableHide table

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Baroda CRE Home Loan NRI/PIO — age, security and repayment mechanics
TopicPublished condition
Borrower minimum age21 years
Co-applicant minimum age18 years
Maximum age consideredUp to 70 years; source does not state the precise age-measurement point
Primary securityMortgage of property constructed/purchased
Other securityIf mortgage is infeasible, Bank may at its discretion accept insurance policies, government promissory notes, shares/debentures or gold ornaments
Standard repaymentEquated monthly instalments
Farmer/agriculturist optionMay be allowed half-yearly instalments coinciding with harvest/marketing of major crops
Moratorium interestInterest charged during moratorium is recovered as and when debited
Floating methodDaily reducing balance at monthly rests, according to the
benchmark/reset wordingOne-year ; annual reset; range from one-year to one-year +1%, subject to Bank revision and score
Fixed rateWithdrawn effective 1 July 2010
Pre-closureNil
  • Benchmark rows conflict with references in the product-page rate table and current Retail Loans rate schedule; see the published-rate tables and field evidence.
Baroda Home Loan for / Max Savings — official page · — Repayment Period, Age, Security, Repayment, Pre Closure Charges and Rate of Interest · accessed 23 Sept 2026Open official source ↗
Table 13 · 1 row · 6 columnsService Charges — Home Loan rate-conversion chargeCurrent bank-wide charge when a borrower switches interest rate; the schedule labels the row Home Loan & Mortgage Loan and does not separately identify CRE/NRI applicability.View tableHide table

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Service Charges — Home Loan rate-conversion charge
Charge triggerCalculation baseRateMinimumMaximumUnit / frequency
Borrower switches rate of interestOutstanding plus undisbursed loan amount0.10%₹10,000₹1,00,000Per account, per conversion
  • The schedule's row is generic Home Loan & Mortgage Loan; do not assume the scheme is included without Bank confirmation.
  • Linked Top-up Loan, Suvidha Personal Loan, Home Improvement Loan and linked Home Loan accounts are clubbed as a single account for the minimum/maximum charge calculation.
  • The conversion-charge section does not print its own effective date; do not borrow the date from the separate processing-charge table.
Service Charges — Home Loan rate conversion · Retail asset charges — Home Loan & Mortgage Loan rate-conversion charge · accessed 23 Sept 2026Open official source ↗
Table 14 · 2 rows · 3 columnsService Charges — prepayment under fixed-rate Retail LoansGeneric Home Loan & Mortgage Loan fixed-rate prepayment rows. NRI CRE applicability is unresolved because its product page says the fixed option was withdrawn.View tableHide table

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Service Charges — prepayment under fixed-rate Retail Loans
Loan typeRepayment source / lenderPrepayment charge
Home Loan & Mortgage Loan under fixed-rate Retail LoansOwn sourcesNil
Home Loan & Mortgage Loan under fixed-rate Retail LoansTakeover by another lender0.50% of outstanding amount
  • The row is conditional on a fixed-rate loan. The page states its fixed-rate option was withdrawn effective 1 July 2010, while the current bank-wide schedule prints fixed Max Savings spreads; the product-level application is not stated.
Service Charges — fixed-rate prepayment rows · Pre-payment charges under Fixed Rate Retail Loans — Home Loan & Mortgage Loan · accessed 23 Sept 2026Open official source ↗
Table 15 · 1 row · 4 columnsHistorical Service Charges — Home Loan deviation chargeDated 2019 fee evidence only; not represented as a current charge.View tableHide table

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Historical Service Charges — Home Loan deviation charge
Effective dateCharge eventAmountCap / condition
20 June 2019Home Loan deviation₹1,500 per deviationMaximum ₹5,000
  • The source table is a legacy schedule effective 20 June 2019. No current / deviation amount was verified; do not publish this as the current product charge.
Service Charges — historical deviation fee table · Legacy charges table effective 20 June 2019 — Home Loans deviation charges · effective 20 Jun 2019 · accessed 23 Sept 2026Open official source ↗
Table 16 · 4 rows · 3 columnsHistorical Service Charges — mortgage-creation fee bands and Home Loan exceptionLegacy 2019 mortgage-creation table. It explicitly excludes Home Loans from this separate fee category; the table is not treated as a current CRE price.View tableHide table

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Historical Service Charges — mortgage-creation fee bands and Home Loan exception
Loan amountMortgage-creation chargePublished exception / scope
Up to ₹10 lakh₹500 per lakhSeparate mortgage charge excludes Home Loan, Education Loan, Home Improvement and Top-up Home Loan
Above ₹10 lakh to ₹50 lakh₹5,000Separate mortgage charge excludes Home Loan, Education Loan, Home Improvement and Top-up Home Loan
Above ₹50 lakh to ₹1 crore₹10,000Separate mortgage charge excludes Home Loan, Education Loan, Home Improvement and Top-up Home Loan
Above ₹1 crore₹15,000Separate mortgage charge excludes Home Loan, Education Loan, Home Improvement and Top-up Home Loan
  • The schedule is dated 20 June 2019. Because the text expressly excludes Home Loan, these amounts are not assigned as a separate charge to this home-loan product; newer/current -specific applicability was not inferred.
Service Charges — historical mortgage-creation table · Legacy charges table effective 20 June 2019 — Mortgage Creation Charges and exclusions · effective 20 Jun 2019 · accessed 23 Sept 2026Open official source ↗
Table 17 · 10 rows · 1 columnsUnified processing-charge components named in the NRI CRE pageThe page says these are included in the unified processing charges; it does not publish a separate amount for each component here.View tableHide table

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Unified processing-charge components named in the NRI CRE page
Included component
Processing charges
Documentation charges
Document verification/vetting charges
Pre-sanction inspection (contact point verification/CPV) charges
One-time post-inspection charges
Advocate charges for legal opinion
Valuer charges for valuation
Bureau report charges
CERSAI charges
verification charges
  • The product page links to the separate service-charge schedule for prices. The current schedule and scheme-page waivers are preserved separately due conflict.
Baroda Home Loan for / Max Savings — official page · — The unified processing charges include · accessed 23 Sept 2026Open official source ↗
Table 18 · 9 rows · 2 columnsGroup credit-life insurance terms shown on the NRI CRE pageThe cover is optional and its premium/cover schedule is not a fixed universal value on the product page.View tableHide table

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Group credit-life insurance terms shown on the NRI CRE page
TopicPublished condition
Insurer / arrangementBank of Baroda states a tie-up with India First Life Insurance Co.; the page says branches give the borrower an option to choose an insurance provider
Optional status and payerOptional; cost is borne by borrower
CoverGroup insurance against death of borrower; insurer pays outstanding cover as per the cover schedule
Family liability after claimFamily is not required to repay the loan to the extent of the claim-settled amount
Premium basisOne-time premium based on borrower age, loan amount, interest rate and loan tenure
FinancingAt borrower's request premium may be financed in loan and recovered through ; Home Loan compliance must be ensured
ForeclosureCertain portion of premium paid may be refunded by insurer
Fixed sum insuredNo single fixed cover amount or universal premium is stated on the product page
Application materialThe generic listed Home Loan form includes a group-insurance consent/authorization annexure; not a -specific policy wording
  • The product page says the cover is governed by the insurer's cover schedule and does not publish a universal sum insured, premium amount or refund formula.
Baroda Home Loan for / Max Savings — official page · — Group Credit Life Insurance Cover · accessed 23 Sept 2026Open official source ↗
Table 19 · 21 rows · 2 columnsDocuments listed in the Bank's generic NRI Home Loan application formExact relevant items from the English NRI form pages. The form is listed as a Home Loan application, was modified in 2022 and is not labelled CRE-specific.View tableHide table

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Documents listed in the Bank's generic NRI Home Loan application form
Applicant / document groupDocument stated in form
Salaried / — employment contractCopy of employment contract; if not in English, translate into English and attest by employer or Indian Embassy
Salaried / — salaryCertified copies of latest salary slips for the past 6 months
Salaried / — employer identityCopy of identity card issued by current employer
Salaried / — discharge recordContinuous Discharge Certificate, if applicable
Salaried / — immigrationCopy of latest work permit and visa stamped on passport
Salaried / — bank records bank passbook or account statement; overseas bank account statement for last 6 months
All applicant types — profileBio-data covering educational qualifications, age, job experience and nature of profession/business, with necessary proof
All applicant types — guarantorGuarantor forms with net-worth proof/income proof
All applicant types — income taxIncome-tax returns for last 2 years (Indian/foreign)
All applicant types — remittanceEmployer undertaking to remit monthly instalment, wherever feasible, if stipulated in sanction
Salaried / — income certificateSalary certificate/income statement attested by Bank foreign/subsidiary office or certified by competent authority (examples include chartered/certified accountants or Inland Revenue authority); notarize if attestation is unavailable
Self-employed — financialsBusiness/profession balance sheets and profit-and-loss accounts with individual income-tax returns for last 3 years, certified by a chartered accountant
Self-employed — business noteNote on nature of business/profession, form of organization, clients and suppliers
identityPhotocopy of card, or current passport indicating birthplace, earlier Indian passport, or parent/grandparent passport supporting the claim
Property — paymentReceipt for payments made for purchase of residential unit
Property — plans/permissionCopy of approved drawings for proposed construction/purchase; permission from competent authority for construction of flat/house
Property — additional permission wordingPermission from competent authority under the Urban Land Ceiling & Regulation Act, 1976 (transcribed as the 2022 form states it; no claim made about current legal applicability)
Property — sale/construction valuationAgreement for sale/sale deed or detailed cost estimate from architect/engineer for property to be constructed
Property — society allotmentAllotment letter from co-operative society/apartment owners' association
Property — scenario-specificOther documents depend on direct builder purchase (ready/under construction), registered co-operative housing society, resale, direct sale by a Development Authority, or construction on a separate plot
Scope limitationGeneric Home Loan form only; not the exact current checklist and may be supplemented by scheme/sanction requirements
  • The source was listed under Retail Loans — Home Loan and the full 18-page was visually checked. Document requirements are not claimed to be a -specific current mandate.
  • page 13 contains personal/income items; page 14 contains self-employed, and property items.
Bank of Baroda Home Loan application form — generic 18-page · English form, pages 13–14 — List of Documents to be Obtained from the Customer · accessed 23 Sept 2026Open official source ↗
Table 20 · 4 rows · 3 columnsBaroda CRE Home Loan for NRI/PIOs — current product-page spreadsView tableHide table

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Baroda CRE Home Loan for NRI/PIOs — current product-page spreads
Variant and applicant spreadDisplayed effective-rate cell
Home Loan — salaried −0.50% to +1.70%0.00% (not treated as borrower )
Home Loan — non-salaried −0.50% to +1.70%0.00% (not treated as borrower )
Advantage up to ₹75 lakh — salaried/non-salaried −0.50% to +1.70%0.00% (not treated as borrower )
Advantage above ₹75 lakh — salaried/non-salaried −0.25% to +1.95%0.00% (not treated as borrower )
  • Pricing depends on loan limit and score; the effective-rate cells are not a usable individualized quote.
Baroda Home Loan for / Max Savings — current official product page · Interest rates and charges · accessed 29 Sept 2026Open official source ↗
Table 21 · 4 rows · 2 columnsRetail Loans schedule — current CRE Max Savings floating spreadsView tableHide table

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Retail Loans schedule — current CRE Max Savings floating spreads
Variant and applicant spread
Max Savings up to ₹75 lakh — salaried −0.45% to +1.30%
Max Savings up to ₹75 lakh — non-salaried −0.45% to +1.30%
Max Savings above ₹75 lakh — salaried −0.20% to +1.55%
Max Savings above ₹75 lakh — non-salaried −0.20% to +1.55%
  • This current bank-wide schedule differs from the product-page table; both are published official sources.
Bank of Baroda Retail Loans Interest Rates — current official schedule · floating-rate Home Loan rows for Baroda Home Loan (Max Savings) · effective 12 Sept 2026 · accessed 29 Sept 2026Open official source ↗

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