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Baroda Home Loan for

// home loan for residential purchase, construction, plot-plus-construction, takeover, extension or reimbursement in India, with one-year -linked pricing, location-based limits up to ₹10 crore, published bands and detailed overseas-income eligibility.

Interest rateFixed-rate option withdrawn from 1 July 2010.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 MCLR and reset annually; the CIBIL-linked range runs from one-year MCLR to one-year MCLR +1%, subject to revision.Maximum loan amountMumbai: ₹10 crore; other metros: ₹5 crore; urban areas: ₹3 crore; semi-urban/rural areas: ₹1 crore, subject to income, repayment capacity and LTV/margin norms.Maximum tenureMaximum 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.
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Quick eligibility check

Baroda Home Loan for

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.

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

Published source: Eligibility

2Do you meet this requirement: individuals may apply singly or jointly?

Published source: Eligibility

3Do you meet this requirement: HUFs are not eligible?

Published source: Eligibility

4Does your annual income meet this requirement: Income-counted applicants need at least two years of qualifying overseas employment/business and minimum gross annual income equivalent to ₹5 lakh?

Published source: Eligibility

5Does your annual income meet this requirement: Minimum gross annual income equivalent to ₹5 lakh for applicant/co-applicants whose income is considered?

Published source: Minimum income

6Document checkDo you have at least one of these required documents: KYC/passport and NRI, PIO or OCI status evidence?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: At least 2 years’ overseas employment/business evidence, valid work permit or contract and overseas address proof?

Published source: Eligibility

8Document checkDo you have this required document or proof: Income documents and bank statements supporting the minimum ₹5 lakh equivalent gross annual income?

Published source: Eligibility

9Document checkDo you have this required document or proof: Property title, approved plan, sale agreement, valuation and mortgage/security documents?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 29 Sept 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.

Loan typeNRI 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.View source
The complete purpose list and target-group section were reviewed.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
Purpose and target group
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
EligibilityNRIs holding Indian passports, PIOs holding foreign passports and OCIs; individuals may apply singly or jointly; HUFs 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.View source
The complete eligibility, and definitions and exclusion were reviewed.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
Eligibility and — target group, borrower eligibility and //
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum gross annual income equivalent to ₹5 lakh for applicant/co-applicants whose income is considered; combined income may be used where an NRI applicant/co-applicant is included.View source
The page publishes the ₹5 lakh equivalent threshold and combined-income rule.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— // income criteria
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Overseas employment / residenceIncome-counted applicants must have a regular job abroad in a reputed company, organisation or government department with a valid contract/work permit for at least two years, or have been employed/self-employed or running a business while staying abroad for at least two years.View source
The page states both the two-year contract/work-permit route and the two-year overseas employment/business route.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— // income criteria
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Maximum loan amountMumbai: ₹10 crore; other metros: ₹5 crore; urban areas: ₹3 crore; semi-urban/rural areas: ₹1 crore, subject to income, repayment capacity and LTV/margin norms.View source
The current page lists Mumbai, other metros, urban and semi-urban/rural ceilings and the subject-to conditions.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Limit: Maximum Limit
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Maximum tenureMaximum 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.View source
The repayment-period clause and under-construction moratorium rule were reviewed.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Repayment Period
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Maximum moratorium36 months; 18 months for under-construction homes up to the seventh floor, then six additional months per floor subject to the 36-month capView source
36 months; 18 months for under-construction homes up to the seventh floor, then six additional months per floor subject to the 36-month cap
Source
Maximum moratorium
Page / section
— Repayment period
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Margin / LTVLoans up to ₹30 lakh: 10% margin and 90% LTV; above ₹30 lakh to ₹75 lakh: 20% and 80%; above ₹75 lakh: 25% and 75%.View source
The full three-row margin/ table was transcribed.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Margin Norms & Loan to Value () Ratio
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
AgeMinimum borrower age 21 years and co-applicant age 18 years; maximum age may be considered up to 70 years.View source
The full age rule was reviewed.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Age
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
SecurityMortgage of the property constructed or purchased; if mortgage is not feasible, the bank may at its discretion accept insurance policies, government promissory notes, shares/debentures, gold ornaments or other security.View source
The mortgage and alternative-security clause was reviewed.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Security
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosurePre-closure charges: Nil.View source
The page states “Pre Closure Charges — Nil”.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Pre Closure Charges
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Interest rateFixed-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 MCLR and reset annually; the CIBIL-linked range runs from one-year MCLR to one-year MCLR +1%, subject to revision.View source
The page specifies the withdrawn fixed option, balance/rest convention, annual reset and -linked spread range.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Rate of Interest
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Optional group credit-life coverOptional IndiaFirstLife group life cover at the borrower's cost; the one-time premium depends on age, loan amount, interest rate and tenure, may be financed into the loan and recovered through EMIs, and part of the premium may be refunded on foreclosure.View source
The complete optional-cover explanation and premium conditions were reviewed.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
Group Credit Life Insurance Cover
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Published benefitsFirst-year complimentary BOBCARD for the first borrower on loans of ₹2 lakh or more; 0.25% car-loan concession; top-up up to five times from ₹1 lakh to ₹2 crore; close-relative co-applicant option; risk-based pricing; free accidental insurance; tenure up to 30 years.View source
All benefit bullets were reviewed, including card, concession, top-up, insurance and tenure terms.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
Benefits
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
NRI Home Loan eligibilityNRIs holding Indian passports, PIOs holding foreign passports and OCIs can apply singly or jointly; HUFs are excluded. Income-counted applicants need two years of qualifying overseas work/business and minimum gross annual income equivalent to ₹5 lakh.View source
The current page's target-group and eligibility clauses were reviewed in full.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— target group, borrower and // eligibility
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
NRI Home Loan benefits and limitsPermitted purposes include purchase/construction, plot plus construction, takeover, extension and reimbursement. Tenure is up to 30 years; top-up can be availed five times from ₹1 lakh to ₹2 crore; first borrowers on loans of ₹2 lakh or more receive a complimentary BOBCARD for the first year, plus free accidental insurance and a 0.25% car-loan concession.View source
The official Benefits and Purpose sections publish uses, tenure, top-up, card, insurance and concession terms.
Source
Baroda Home Loan for
Page / section
Benefits / Purpose
Accessed
23 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 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.View source
The current page publishes the maximum tenure and moratorium rules.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Repayment Period
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Processing feeBaroda 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 GST; takeover is a flat ₹8,500 upfront. This schedule applies to the NRI/PIO home and home-improvement variants.Effective 1 Apr 2025View source
The schedule publishes the two loan-amount slabs, minimums, maximums and / takeover flat fee; the product pages link to unified processing charges.
Source
Bank of Baroda service charges — Home Loan & Home Improvement Loan
Page / section
Mortgages & Retail Asset — Baroda Home Loan and Home Improvement Loan
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Geographic limitsThe loan is for residential property in India; the page publishes maximum limits by Mumbai, other metros, urban and semi-urban/rural location.View source
The property-purpose and complete location-based limit clauses were reviewed.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Purpose and maximum limit
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
BenchmarkOne-year MCLR, reset annually; CIBIL-linked pricing ranges from one-year MCLR to one-year MCLR +1%.View source
The current page links to the latest rate page but itself publishes the benchmark and spread range.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Rate of Interest
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Maximum amountMumbai: ₹10 crore; other metros: ₹5 crore; urban areas: ₹3 crore; semi-urban/rural areas: ₹1 crore, subject to income, repayment capacity and LTV/margin norms.View source
The current page lists the complete location-based maximum schedule.
Source
Baroda Home Loan for — current Bank of Baroda official product page
Page / section
— Limit: Maximum Limit
Accessed
29 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • First-year complimentary for first borrower with loan limit ₹2 lakh or more
  • 0.25% car-loan concession
  • top-up up to five times, ₹1 lakh minimum and ₹2 crore maximum
  • free accidental insurance
  • close-relative co-applicant option

Eligibility

  • with Indian passports, with foreign passports and
  • individuals may apply singly or jointly
  • are not eligible

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

Documents the bank lists

  • /passport and , or status evidence.
  • At least 2 years’ overseas employment/business evidence, valid work permit or contract and overseas address proof.
  • Income documents and bank statements supporting the minimum ₹5 lakh equivalent gross annual income.
  • Property title, approved plan, sale agreement, valuation and mortgage/security documents.
  • The official page links the Bank of Baroda home-loan checklist; exact documents vary by purpose and applicant profile.

Related official documents

Baroda Home Loan for NRI — official product pageproduct-page · current · accessed 21 Aug 2026
↗
Baroda Home Loan for NRI — current Bank of Baroda official product pageofficial-product-page · current; complete rendered page review · accessed 29 Sept 2026
↗
Bank of Baroda service charges — retail processing and prepayment scheduleofficial-service-charge-page · current · accessed 29 Aug 2026
↗
Bank of Baroda NRI/PIO loan pages — MITC and unified chargesofficial-product-pages · current · accessed 29 Aug 2026
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
↗

Plan before applying

Try the numbers

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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.

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

Scroll sideways to view every column

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 · 14 rows · 2 columnsBaroda Home Loan for NRI — current limits, repayment capacity and LTVView tableHide table

Scroll sideways to view every column

Baroda Home Loan for NRI — current limits, repayment capacity and LTV
Published conditionLimit or rule
Mumbai maximum₹10 crore
Other metros maximum₹5 crore
Urban maximum₹3 crore
Semi-urban/rural maximum₹1 crore
Salaried below ₹20,000Total deductions up to 50%
Salaried ₹20,000–below ₹50,000Total deductions up to 60%
Salaried ₹50,000–below ₹2 lakhTotal deductions up to 65%
Salaried ₹2–below ₹5 lakhTotal deductions up to 70%
Salaried ₹5 lakh and aboveTotal deductions up to 75%
Other applicants; average gross annual income up to ₹6 lakhTotal deductions up to 70%
Other applicants; average gross annual income above ₹6 lakhTotal deductions up to 80%
Loan up to ₹30 lakh10% margin / 90%
Above ₹30 lakh to ₹75 lakh20% margin / 80%
Above ₹75 lakh25% margin / 75%
  • All ceilings remain subject to income, repayment capacity and applicable /margin norms.
Baroda Home Loan for — current Bank of Baroda official product page · — Limit, repayment capacity and Margin Norms & Loan to Value () Ratio · accessed 29 Sept 2026Open official source ↗

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