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Personal, home, vehicle & other loans

Baroda Digital Personal Loan

A paperless digital personal loan with direct disbursement, ₹50,000 minimum, ₹10 lakh ETB or ₹5 lakh NTB/NTC limits and 12–60-month repayment. The current page publishes -linked fixed/floating formulas, a 12.40%–17.75% floating effective range, 2% processing charge capped at ₹10,000 plus , detailed documents and bands.

Floating interest rateOfficial pages conflict: the Digital Personal Loan page says 12.40%–17.75% p.a.; the Retail Loans Interest Rates page says 11.65%–17.00% p.a. Both publish BRLLR + SP + 3.50%–8.85%.Maximum finance₹10,00,000 for existing-to-bank customers; ₹5,00,000 for new-to-bank and new-to-credit customers.Maximum loan amountExisting-to-bank customers: ₹10 lakh. New-to-bank customers: ₹5 lakh. New-to-credit customers: ₹5 lakh.
Official product page ↗Compare category

Quick eligibility check

Baroda Digital Personal Loan

0 of 9 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.

1Are you this type of customer: Salaried individuals and self-employed professionals, insurance agents and business persons may apply?

Published source: Eligibility

2Do you meet this requirement: NRIs and self-help groups are not eligible?

Published source: Eligibility

3Do you meet this requirement: co-applicants are not allowed?

Published source: Eligibility

4Does your age meet this requirement: Minimum age is 21 years?

Published source: Eligibility

5Does your age meet this requirement: maximum age at the end of the tenor is 58 for salaried and 65 for self-employed applicants?

Published source: Eligibility

6Document checkDo you have this required document or proof: Valid mobile number and PAN?

Published source: Eligibility

7Document checkDo you have this required document or proof: Aadhaar number for OTP-based e-stamping and e-sign?

Published source: Eligibility

8Document checkDo you have at least one of these required documents: Net-banking credentials or a digitally generated bank statement for the last six completed months in the individual's name?

Published source: Eligibility

9Document checkDo you have at least one of these required documents: Self-employed applicants: digital Income Tax Return filings or e-filing credentials for the last two years?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 2026 · active
Bank of Baroda loan illustration
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.

PurposeAny purpose other than speculation.View source
Any purpose other than speculation.
Source
Purpose
Page / section
Features
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
ProcessPaperless end-to-end digital application with direct disbursement into the customer account.View source
Paperless end-to-end digital application with direct disbursement into the customer account.
Source
Process
Page / section
Baroda Digital Personal Loan
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Maximum loan amountExisting-to-bank customers: ₹10 lakh. New-to-bank customers: ₹5 lakh. New-to-credit customers: ₹5 lakh.View source
Existing-to-bank customers: ₹10 lakh. New-to-bank customers: ₹5 lakh. New-to-credit customers: ₹5 lakh.
Source
Maximum loan amount
Page / section
Features
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Floating rateBRLLR + SP +3.50% to BRLLR + SP +8.85%, based on CIBIL and internal score; effective rate 12.40% to 17.75%.View source
+ +3.50% to + +8.85%, based on and internal score; effective rate 12.40% to 17.75%.
Source
Floating rate
Page / section
Floating
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Prepayment and foreclosureFloating rate: nil. Fixed rate: 3% plus GST on the prepaid amount after one EMI; no charges after 36 months, when closed using a new Bank of Baroda personal-loan account, or on death of the borrower.View source
Floating rate: nil. Fixed rate: 3% plus on the prepaid amount after one ; no charges after 36 months, when closed using a new Bank of Baroda personal-loan account, or on death of the borrower.
Source
Prepayment and foreclosure
Page / section
— Pre-Payment/Pre Closure Charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Digital support24×7 customer support at 1800-5700; technical issues can be emailed to dil.support@bankofbaroda.com.View source
24×7 customer support at 1800-5700; technical issues can be emailed to dil.support@bankofbaroda.com.
Source
Digital support
Page / section
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Sales and marketing disclosureThe bank may use agents for sales and marketing of its products or services.View source
The bank may use agents for sales and marketing of its products or services.
Source
Sales and marketing disclosure
Page / section
Product overview
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Prepayment / closureFloating-rate prepayment is nil. Fixed-rate prepayment is 3% plus GST after one EMI; nil after 36 months or when closed from a new Bank of Baroda personal-loan account, and in the event of borrower death.View source
The separates floating and fixed-rate prepayment treatment and lists the 36-month exception.
Source
Baroda Digital Personal Loan
Page / section
— Pre-Payment / Pre Closure Charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Loan typeDigital personal loan for any purpose other than speculation; paperless application and direct disbursement to the account.View source
The official page states that the purpose may be any purpose other than speculation and describes an end-to-end digital process.
Source
Baroda Digital Personal Loan — official product page
Page / section
Features — Purpose of Loan
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Floating interest rateOfficial pages conflict: the Digital Personal Loan page says 12.40%–17.75% p.a.; the Retail Loans Interest Rates page says 11.65%–17.00% p.a. Both publish BRLLR + SP + 3.50%–8.85%.View source
The Digital Personal Loan page shows 12.40%–17.75%; the rate schedule shows 11.65%–17.00%. Do not choose one until the issuer reconciles these live official values.
Source
Baroda Digital Personal Loan and Retail Loans Interest Rates
Page / section
Product page — Floating ; Retail Loans Interest Rates — -linked Digital Personal Loan row
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Floating effective rateOfficial pages conflict: 12.40%–17.75% p.a. on the product page; 11.65%–17.00% p.a. on the current retail-rate schedule.View source
Both pages were accessible on the review date and publish the same spread formula but different effective ranges.
Source
Baroda Digital Personal Loan and Retail Loans Interest Rates
Page / section
Interest rates & charges — Floating ; current -linked retail rate row
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Fixed-rate formula1-year MCLR + Strategic Premium + 3.80% to 9.15%, based on CIBIL and internal score. The product page's effective-rate widget displays 0.00%; the current retail schedule has no Digital Personal Loan fixed-MCLR row, so that display is not a usable fixed rate.View source
The page states a nonzero benchmark-plus-spread formula while its displayed effective rate is 0.00%; no Digital Personal Loan fixed effective range is in the current rate schedule.
Source
Baroda Digital Personal Loan and Retail Loans Interest Rates
Page / section
Product page — Fixed ; current -linked retail-rate section
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Processing fee2% of the loan amount + GST; minimum ₹1,000 + GST and maximum ₹10,000 + GST.View source
Product page states 2% of loan amount plus applicable , minimum ₹1,000 plus and maximum ₹10,000 plus .
Source
Baroda Digital Personal Loan — current official page
Page / section
Unified Processing Charges
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Rate conversion charge0.10% of the outstanding balance plus any undisbursed amount; minimum ₹1,000 + GST per account for each conversion.View source
The conversion row applies expressly to Digital as well as Non-Digital Personal Loans and states 0.10% plus minimum ₹1,000 + per account at each conversion.
Source
Service Charges — Personal Loan rate conversion
Page / section
Conversion Charges — Personal Loan (Digital as well as Non-Digital)
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Prepayment / pre-closure chargeFloating rate: nil. Fixed rate: 3% + GST on the amount prepaid after one EMI; nil after 36 months, when closed from a new Bank of Baroda Personal Loan, or on the borrower's death.View source
The product publishes floating NIL and the fixed-rate fee with three explicit waivers. The general fee page confirms the 3% + first-three-years treatment; it does not remove the product-specific waivers.
Source
Baroda Digital Personal Loan and Service Charges
Page / section
— Pre-Payment/Pre-Closure Charges; Service Charges — fixed-rate Personal Loan prepayment
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Penal charges2% p.a. on overdue instalments, interest and service charges for the actual days unpaid (debited monthly); also 2% p.a. on the outstanding facility balance during specified document, security-perfection or other material sanction breaches.View source
The page limits overdue penal charges to the period dues remain unpaid and lists non-submission of sanction documents, security-perfection non-compliance and other material sanction breaches.
Source
Baroda Digital Personal Loan — current official page
Page / section
Penal Charges — delayed dues and material sanction non-compliance
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Stamp dutyAs per the applicable state stamp act.View source
The product page says stamp duty is charged as per the state stamp act.
Source
Baroda Digital Personal Loan — current official page
Page / section
Stamp duty
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Minimum loan amount₹50,000.View source
The product page and state a minimum loan amount of ₹50,000.
Source
Baroda Digital Personal Loan — current official page
Page / section
Features; — Loan Limit
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Maximum loan amount₹10,00,000 for existing-to-bank customers; ₹5,00,000 for new-to-bank customers; ₹5,00,000 for new-to-credit customers.View source
The page distinguishes existing-to-bank, new-to-bank and new-to-credit customer ceilings.
Source
Baroda Digital Personal Loan — current official page
Page / section
Features; — Loan Limit
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Maximum finance₹10,00,000 for existing-to-bank customers; ₹5,00,000 for new-to-bank and new-to-credit customers.View source
The maximum depends on the Bank's stated existing/new-to-bank/new-to-credit customer segments.
Source
Baroda Digital Personal Loan — current official page
Page / section
Features; — Loan Limit
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Repayment period12 to 60 months.View source
The current product page and state 12–60 months for Digital Personal Loan; the 18–36 month tenure mentioned in the same refers to a different pre-approved product.
Source
Baroda Digital Personal Loan — current official page
Page / section
Features; — Repayment Period;
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Maximum tenure60 months.View source
Maximum repayment period is 60 months.
Source
Baroda Digital Personal Loan — current official page
Page / section
Features; — loan tenure
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Age eligibilityMinimum age 21 years; maximum age at end of tenor is 58 years for salaried applicants and 65 years for self-employed applicants.View source
The upper ages apply at the end of the loan tenor, not at application.
Source
Baroda Digital Personal Loan — current official page
Page / section
Age criteria; — Age
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
EligibilitySalaried individuals and self-employed professionals, insurance agents and business persons may apply. NRIs 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.View source
The page names eligible salaried and self-employed categories, excludes and , and says co-applicants are not allowed.
Source
Baroda Digital Personal Loan — current official page
Page / section
Eligibility; Age criteria; — eligibility
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Eligible borrowersSalaried individuals; self-employed professionals (including doctors, engineers, architects, interior designers, technical management consultants and practising company secretaries); insurance agents; and self-employed business persons.View source
The page gives examples of self-employed professionals, then also includes insurance agents and self-employed business persons.
Source
Baroda Digital Personal Loan — current official page
Page / section
Eligibility
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Not eligible / co-applicant ruleNRIs and self-help groups are not eligible. Co-applicants are not allowed.View source
The product page says / are not eligible and no co-applicant is allowed; the independently confirms exclusion.
Source
Baroda Digital Personal Loan — current official page
Page / section
Eligibility — Please Note; — eligibility
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Digital application requirementsValid mobile number and PAN; Aadhaar for OTP e-stamping/e-sign; net-banking access or a digital bank statement for the last 6 completed months in the applicant's individual name; and a webcam for video KYC.View source
The bank statement must cover the last six completed months and be in the applicant's individual name; Aadhaar is used for -based e-stamping and e-sign.
Source
Baroda Digital Personal Loan — current official page
Page / section
Documents Required — all applicants
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Additional self-employed requirementsDigital ITR returns or e-filing credentials for the last 2 years. GST portal credentials or digital GST returns for the last 1 year are optional. The page says ITR-3 or ITR-4 may be downloaded from the Income Tax website in PDF format.View source
documents are expressly marked optional; -3/-4 are accepted as stated on the page.
Source
Baroda Digital Personal Loan — current official page
Page / section
Documents Required — self-employed; digital document definition note
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Salaried repayment-capacity bandsNet monthly salary up to ₹50,000: 40%; above ₹50,000 to ₹75,000: 45%; above ₹75,000 to ₹1,25,000: 55%; above ₹1,25,000 to ₹2,00,000: 60%; above ₹2,00,000: 65%. Net monthly income is the average salary credited over the last 6 months; EMI obligations declared by the applicant or fetched from the credit bureau, whichever is higher, are deducted.View source
These are underwriting bands, not a published minimum-income threshold.
Source
Baroda Digital Personal Loan —
Page / section
— for Salaried; net monthly income and deductions footnotes
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Self-employed repayment-capacity bandsGross monthly income up to ₹50,000: 35%; above ₹50,000 to ₹75,000: 40%; above ₹75,000 to ₹1,25,000: 50%; above ₹1,25,000 to ₹2,00,000: 55%; above ₹2,00,000: 60%. Gross monthly income is the average of the last 2 years' gross annual ITR income divided by 12; monthly EMI obligations (declared or bureau-reported, whichever is higher) and proportionate prior-year income tax are deducted.View source
These are underwriting bands, not a published minimum-income threshold.
Source
Baroda Digital Personal Loan —
Page / section
— for Self Employed; gross income and deductions footnotes
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
FOIR bands and calculation basisSalaried: 40%, 45%, 55%, 60% and 65% across the published net-monthly-income bands. Self-employed: 35%, 40%, 50%, 55% and 60% across the published gross-monthly-income bands. The Bank includes the proposed EMI and deducts existing monthly EMI obligations; self-employed assessment also deducts proportionate income tax.View source
All ten income/ bands and the source definitions are retained in the linked comparison table.
Source
Baroda Digital Personal Loan —
Page / section
— complete salaried and self-employed sections
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Published rate benchmarksBRLLR: 7.90% p.a., effective 6 December 2025. 1-year MCLR: 8.75% p.a., effective 12 September 2026. The product page links floating pricing to BRLLR and fixed pricing to 1-year MCLR, plus Strategic Premium and a CIBIL/internal-score spread.Effective 12 Sept 2026View source
Benchmark values are stated as published on the page; no applicant-specific final interest rate is calculated from them.
Source
Retail Loans Interest Rates and Baroda Digital Personal Loan
Page / section
table; benchmark statement; product page fixed/floating formulas
Accessed
24 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Paperless end-to-end digital application.
  • Direct disbursement into the customer's account.
  • No prepayment charges for a floating-rate loan.
  • Attractive interest rates.

Eligibility

  • Salaried individuals can apply.
  • Self-employed professionals, insurance agents and self-employed business persons can apply.
  • and self-help groups are not eligible; co-applicants are not allowed.

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

Documents the bank lists

  • Valid mobile number and .
  • Aadhaar number for -based e-stamping and e-sign.
  • Net-banking credentials or a digitally generated bank statement for the last six completed months in the individual's name.
  • Self-employed applicants: digital Income Tax Return filings or e-filing credentials for the last two years.
  • Self-employed applicants: portal credentials or digital returns for the last one year, where applicable.
  • Web camera for photographs and video .

Related official documents

Baroda Digital Personal Loan product pageproduct-page · current · accessed 21 Aug 2026
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Baroda Digital Personal Loan — official product pageofficial-product-page · current · accessed 28 Aug 2026
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Baroda Digital Personal Loan — official product pageofficial-product-page · current · accessed 29 Aug 2026
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Baroda Digital Personal Loan — current official product pageofficial-product-page · current · accessed 29 Aug 2026
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Bank of Baroda Personal Download Forms — linked documents indexofficial-download-forms-page · Relevant directory entries reviewed; shared generic PDFs are supplementary and the Digital Personal Loan page controls channel-specific requirements. · accessed 24 Sept 2026
↗
Baroda Digital Personal Loan — current official page and FAQofficial-product-page · Current page reviewed; fixed effective-rate widget is unusable at 0.00%; floating effective rate conflicts with the current rate schedule. · accessed 24 Sept 2026
↗
Baroda Digital Personal Loan — current complete product-page reviewofficial-product-page · current; complete rendered page review · accessed 29 Sept 2026
↗
Retail Loans Interest Rates — Digital Personal Loan, MCLR and BRLLR sectionsofficial-interest-rate-page · Applicable benchmark and Digital Personal Loan floating row reviewed; page does not supply a fixed effective-rate row for this digital variant. · accessed 24 Sept 2026
↗
Service Charges — Digital Personal Loan conversion and retail-loan fee sectionsofficial-service-charge-page · Relevant fee sections reviewed; digital product-page terms provide the channel-specific processing and prepayment details. · accessed 24 Sept 2026
↗
Digital Personal Loan page — generic Loan Spotlight image referenceofficial-product-image · Official generic loan illustration, not distinct Digital Personal Loan product artwork; exact product artwork remains unresolved. · accessed 24 Sept 2026
↗
All-in Cost for Retail Loans — official linked PDF, complete visual reviewofficial-linked-pdf · Complete four-page visual and text review; legacy/undated tariff conflicts with current product/FAQ statements. · accessed 24 Sept 2026
↗
Retail Loans Interest Rates — Bank of Barodaofficial-rate-page · current · accessed 29 Aug 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
↗
List of Important Terms and Conditions of Loan/Advances — generic MITC template, complete visual reviewofficial-linked-pdf · Complete two-page visual and text review; generic disclosure template only. · accessed 24 Sept 2026
↗
Model Checklist for Retail Loans — official linked PDF, complete visual reviewofficial-linked-pdf · Complete six-page visual and text review; generic checklist only, product page controls where requirements differ. · accessed 24 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

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

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Salaried · Monthly income bandUp to ₹50,000 net

This value is copied from Baroda Digital Personal Loan — complete income bands. Check the table notes before relying on it.

Source: Baroda Digital Personal Loan — · — for Salaried and for Self Employed, including income and deduction footnotes Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 10 rows · 4 columnsBaroda Digital Personal Loan — complete FOIR income bandsAll salaried and self-employed income bands from the current MITC, with their income basis and EMI/tax deductions.View tableHide table

Scroll sideways to view every column

Baroda Digital Personal Loan — complete FOIR income bands
Applicant typeMonthly income band including proposed Income basis and deductions
SalariedUp to ₹50,000 net40%Net monthly income is average of the last 6 months' net salary credited to the Bank account; deduct the higher of declared or bureau-fetched monthly obligations.
SalariedAbove ₹50,000 up to ₹75,000 net45%Same salaried income basis and deduction.
SalariedAbove ₹75,000 up to ₹1,25,000 net55%Same salaried income basis and deduction.
SalariedAbove ₹1,25,000 up to ₹2,00,000 net60%Same salaried income basis and deduction.
SalariedAbove ₹2,00,000 net65%Same salaried income basis and deduction.
Self-employedUp to ₹50,000 gross35%Gross monthly income is average gross annual income for the last 2 years divided by 12; deduct the higher of declared or bureau-fetched monthly obligations and prior-year income tax divided by 12.
Self-employedAbove ₹50,000 up to ₹75,000 gross40%Same self-employed income basis, deduction and proportionate monthly tax deduction.
Self-employedAbove ₹75,000 up to ₹1,25,000 gross50%Same self-employed income basis, deduction and proportionate monthly tax deduction.
Self-employedAbove ₹1,25,000 up to ₹2,00,000 gross55%Same self-employed income basis, deduction and proportionate monthly tax deduction.
Self-employedAbove ₹2,00,000 gross60%Same self-employed income basis, deduction and proportionate monthly tax deduction.
  • is a repayment-capacity ratio including the proposed . These income bands do not establish a published minimum salary or annual-income threshold.
Baroda Digital Personal Loan — · — for Salaried and for Self Employed, including income and deduction footnotes · accessed 24 Sept 2026Open official source ↗
Table 2 · 5 rows · 3 columnsBaroda Digital Personal Loan — published interest rates and benchmarksThe issuer's live page and rate schedule publish different floating effective ranges; both are shown with their source context.View tableHide table

Scroll sideways to view every column

Baroda Digital Personal Loan — published interest rates and benchmarks
Rate source / optionPublished pricing formulaEffective rate displayed
Fixed — Digital Personal Loan page1-year + + 3.80% to 9.15%, based on and internal score0.00% shown by the page; not a usable rate
Floating — Digital Personal Loan page + + 3.50% to 8.85%, based on and internal score12.40%–17.75% p.a.
Floating rate — Retail Loans Interest Rates page + + 3.50% to 8.85%11.65%–17.00% p.a.
referenceBank of Baroda Repo Linked Lending Rate7.90% p.a.; effective 6 December 2025
1-year reference1-year Marginal Cost of Funds Based Lending Rate8.75% p.a.; effective 12 September 2026
  • The two live official pages conflict on the floating effective range; no endpoint is selected or averaged.
  • The product page's fixed-rate widget renders 0.00% alongside a nonzero formula. The current retail-rate schedule contains no Digital Personal Loan fixed- row, so no fixed effective rate is published as a usable value.
  • means Strategic Premium. The Bank states that applicable spread depends on and internal score.
Baroda Digital Personal Loan and Retail Loans Interest Rates · Product page — fixed and floating ; current and benchmark/rate rows · accessed 24 Sept 2026Open official source ↗
Table 3 · 14 rows · 2 columnsBaroda Digital Personal Loan — eligibility, fees and documentsView tableHide table

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Baroda Digital Personal Loan — eligibility, fees and documents
TopicPublished value
PurposeAny purpose other than speculation.
Loan amountMinimum ₹50,000; maximum ₹10,00,000 for existing-to-bank customers and ₹5,00,000 for new-to-bank or new-to-credit customers.
Repayment period12–60 months.
AgeMinimum 21 years; maximum at end of tenor: 58 years for salaried and 65 years for self-employed applicants.
Eligible applicantsSalaried individuals; self-employed professionals, insurance agents and self-employed business persons.
Ineligible applicants and self-help groups; co-applicants are not allowed.
Processing fee2% of loan amount + ; minimum ₹1,000 + ; maximum ₹10,000 + .
Rate conversion charge0.10% of outstanding balance plus undisbursed amount; minimum ₹1,000 + per account at each conversion.
Floating-rate prepaymentNil.
Fixed-rate prepayment3% + on prepaid amount after one ; nil after 36 months, when closed using a new Bank of Baroda Personal Loan, or on borrower death.
Penal charges2% p.a. on overdue amounts for actual default days; 2% p.a. on outstanding facility balance for listed material sanction breaches.
Stamp dutyAs per applicable state stamp act.
Digital application requirementsMobile number, , Aadhaar for e-stamping/e-sign, net banking or a digital 6-completed-month individual bank statement, and webcam for video .
Additional self-employed documents2 years of digital /e-filing credentials; optional 1 year of portal credentials or digital returns. -3/-4 may be downloaded from the Income Tax website.
  • The current product page is the controlling source for the digital-channel document list and prepayment exceptions.
Baroda Digital Personal Loan — current product page and · Features; Eligibility; Unified Processing Charges; Rate conversion fee; Penal Charges; Stamp duty; Documents Required; · accessed 24 Sept 2026Open official source ↗
Table 4 · 6 rows · 2 columnsBaroda Digital Personal Loan — Most Important Terms and ConditionsView tableHide table

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Baroda Digital Personal Loan — Most Important Terms and Conditions
itemPublished terms
Loan limitMinimum ₹50,000. Maximum ₹10,00,000 for existing-to-bank customers; ₹5,00,000 for new-to-bank customers; ₹5,00,000 for new-to-credit customers.
Repayment period12–60 months.
AgeMinimum 21 years; maximum at end of tenor: 58 years for salaried and 65 years for self-employed applicants.
Pre-payment / pre-closure — floating Nil.
Pre-payment / pre-closure — fixed 3% + on prepaid amount after one ; no charge after 36 months, when closed from proceeds of a new Bank of Baroda Personal Loan, or on borrower death.
assessmentThe proposed is included. The salaried and self-employed income bands, percentages, calculation bases and deductions are reproduced in the separate complete table.
  • The Bank's term is (Fixed Obligation to Income Ratio); the bands are underwriting capacity rules, not a minimum income threshold.
Baroda Digital Personal Loan — Most Important Terms and Conditions · — Loan Limit; Repayment Period; Age; Pre-Payment/Pre-Closure Charges; · accessed 24 Sept 2026Open official source ↗

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Baroda Advance Against Securities (National Savings Certificate)

A Bank of Baroda term loan, demand loan or overdraft secured by National Savings Certificates. Public borrowers have no stated maximum ceiling; minimums are ₹3,000 for term/demand and ₹20,000 for overdraft. A lien must be recorded with the issuing post office before disbursement.

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Baroda Advance against the securities (Relief Bonds /Government Bonds)

Bank of Baroda offers demand loans, term loans and overdrafts secured by eligible Relief or Government bonds. Published minimums are ₹3,000 for demand/term loans and ₹20,000 for overdrafts; the bank states no maximum ceiling. Its says government savings-bond advances may reach 80%–85% of face value.

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