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Baroda Home Loan Max Savings for /

// Max Savings home loan with linked savings-account offset, -specific location limits up to ₹10 crore, two-year overseas eligibility and ₹5 lakh gross annual-income threshold. The variant page publishes one-year -linked pricing; the shared Max Savings page publishes a separate schedule, so the benchmark conflict remains explicit for applicants to confirm.

Interest rateThe NRI/PIO page publishes floating pricing from one-year MCLR to one-year MCLR +1.00% p.a., with annual reset and daily-reducing balance/monthly rests. The shared Max Savings page publishes a separate BRLLR schedule; because the Bank does not state a conversion rule for this NRI variant, that shared schedule is preserved as a non-controlling conflict rather than blended into this value.Maximum loan amount by locationMumbai: ₹10 crore; other metros: ₹5 crore; urban: ₹3 crore; semi-urban/rural: ₹1 crore, subject to income, repayment capacity and LTV/margin norms. The shared Max Savings page has a different general schedule; that separate conflict is preserved in the comparison table and is not applied to this NRI variant.Maximum tenure and moratoriumUp to 30 years initially, including a maximum 36-month moratorium. For under-construction homes up to the 7th floor: 18 months; add 6 months per additional floor, capped at 36 months.
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Quick eligibility check

Baroda Home Loan Max Savings 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: Individuals may apply singly or jointly?

Published source: Eligibility

2Do you meet this requirement: HUFs are excluded?

Published source: Eligibility

3Does your annual income meet this requirement: Counted NRI/PIO/OCI income applicants must meet the Bank's published overseas work/residence test (at least 2 years) and ₹5 lakh gross annual-income rule?

Published source: Eligibility

4Do you meet this requirement: PIO/OCI definitions and nationality exclusions apply?

Published source: Eligibility

5Does your annual income meet this requirement: ₹5 lakh equivalent per year for income-counted applicant(s)?

Published source: Minimum gross annual income

6Document checkDo you have this required document or proof: The current NRI forms listing links a general 18-page Home Loan application packet with 2022 file metadata; its pages 12–13 request NRI employment, identity, bank/income, guarantor, PIO and property documents listed below. It is not labelled Max Savings-specific?

Published source: Documents requested in the listed NRI Home Loan form

7Document checkDo you have at least one of these required documents: Salaried NRI applicants: employment contract (translated into English and attested by employer or Indian Embassy if not in English), latest 6 months' certified salary slips, employer ID, Continuous Discharge Certificate where applicable, current work permit, visa-stamped passport and latest NRE account passbook/statement?

Published source: Documents requested in the listed NRI Home Loan form

8Document checkDo you have at least one of these required documents: Other income/banking evidence requested in the form: latest 6 months' overseas bank statements; biodata with qualifications, current job details and proof; 2 years' Indian/foreign income-tax returns; salary certificate/income statement attested by the foreign office/competent authority or notarised if attestation is unavailable; employer undertaking to remit instalments where required by sanction?

Published source: Documents requested in the listed NRI Home Loan form

9Document checkDo you have this required document or proof: Self-employed/business NRI applicants: 3 years' business/profession balance sheets and profit-and-loss statements plus individual income-tax returns, CA-certified; business profile describing nature, organisation, customers and suppliers?

Published source: Documents requested in the listed NRI Home Loan form
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.

Overseas employment / residenceIncome-counted applicants must have at least two years of qualifying overseas employment, a valid overseas contract/work permit, or overseas self-employment/business residence.View source
The two-year overseas history requirement was read in full.
Source
Baroda Home Loan Max Savings for / — current official page
Page / section
— // income criteria
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndividuals may apply singly or jointly; HUFs are excluded. Eligible NRI/PIO/OCI income-counted applicants need at least two years of qualifying overseas employment/business and gross annual income equivalent to ₹5 lakh. PIO/OCI definitions and nationality exclusions apply.View source
The manually reviewed product record states: “Individuals may apply singly or jointly; are excluded. Eligible // income-counted applicants need at least two years of qualifying overseas employment/business and gross annual income equivalent to ₹5 lakh. / definitions and nationality exclusions apply.”.
Source
Baroda Home Loan Max Savings for / — official product page
Page / section
Published product metadata
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Loan typeHome loan for eligible NRIs, PIOs and OCIs, linked to a Bank of Baroda savings-bank account.View source
The Bank names the / Max Savings Home Loan and lists its linked savings-account benefits and features.
Source
Baroda Home Loan Max Savings for /
Page / section
Product title, Benefits and Features
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividuals may apply singly or jointly; HUFs are excluded. Counted NRI/PIO/OCI income applicants must meet the Bank's published overseas work/residence test (at least 2 years) and ₹5 lakh gross annual-income rule. PIO/OCI definitions and nationality exclusions apply.View source
The page limits borrowers to individuals singly/jointly, excludes , and states a two-year overseas work/residence condition and ₹5 lakh gross annual-income threshold for income-counted applicants.
Source
Baroda Home Loan Max Savings for /
Page / section
Eligibility; — Borrower(s), // and Co-Applicants
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Loan purposePurchase or construction of a house/flat; residential-plot purchase*; plot plus house construction; takeover from another bank/HFC/NBFC/financial institution; extension or additional construction; or reimbursement of own-funded house/flat construction.View source
The page enumerates all six purposes. Residential plot purchase bears an asterisk, but no matching footnote was present in the reviewed page.
Source
Baroda Home Loan Max Savings for /
Page / section
Eligibility — permitted purposes
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Minimum gross annual income₹5 lakh equivalent per year for income-counted applicant(s); where an NRI is counted, the Bank says combined applicant/co-applicant income can meet this threshold.View source
The page requires minimum gross annual income equivalent to ₹5 lakh and specifically permits combined applicant/co-applicant income where an is among those counted.
Source
Baroda Home Loan Max Savings for /
Page / section
— // income criteria
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Maximum tenure and moratoriumUp to 30 years initially, including a maximum 36-month moratorium. For under-construction homes up to the 7th floor: 18 months; add 6 months per additional floor, capped at 36 months.View source
The page states 30 years initially inclusive of moratorium; construction moratorium is 18 months through floor 7 plus six months for each additional floor, not exceeding 36 months.
Source
Baroda Home Loan Max Savings for /
Page / section
— Repayment Period and Repayment
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Margin / loan-to-valueLoan up to ₹30 lakh: 10% margin / 90% LTV; above ₹30 lakh to ₹75 lakh: 20% / 80%; above ₹75 lakh: 25% / 75%.View source
The source table pairs each loan-amount band with the corresponding applicant margin and ratio.
Source
Baroda Home Loan Max Savings for /
Page / section
— Margin Norms & Loan to Value Ratio
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Linked savings accountLinked savings-bank balance can be withdrawn on demand; cheque book, ATM/debit card, internet banking and mobile banking follow normal savings-account rules, with the usual account charges.View source
The page says the balance remains available on demand and lists cheque-book, /debit-card, internet and mobile banking subject to normal rules and charges.
Source
Baroda Home Loan Max Savings for /
Page / section
Features — Facilities available for linked account
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Savings-account interest benefitThe shared Max Savings page says each credit available in the linked savings account at the end of the day is credited to the linked home-loan account and reduces the interest-bearing loan balance by the same amount. The linked savings account earns 0% interest, and the EMI is paid into it.View source
The shared scheme page states end-of-day linked-account credits reduce the linked loan-account balance for interest purposes to the same extent; it also states zero interest on the savings-bank account and remittance into that account. The page expressly lists // as eligible for Max Savings.
Source
Baroda Max Savings Home Loan — shared current product page
Page / section
Product overview, Features — linked account
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Applicant ageMinimum: borrower 21 years; co-applicant 18 years. Maximum age may be considered up to 70 years*; the asterisk has no matching footnote on the reviewed NRI page.View source
The page publishes minimum ages of 21 and 18, and states that maximum age can be considered up to 70 years followed by an asterisk with no visible footnote.
Source
Baroda Home Loan Max Savings for /
Page / section
— Age
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
RepaymentRepay in EMIs; agriculturists may be allowed half-yearly instalments aligned with harvest/marketing. Interest charged during moratorium is recovered when debited. NRI page lists nil pre-closure charges.View source
The page requires , permits half-yearly agricultural instalments where allowed and says moratorium interest is recovered as debited; pre-closure is shown as Nil.
Source
Baroda Home Loan Max Savings for /
Page / section
— Repayment and Pre Closure Charges
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
SecurityMortgage the purchased/constructed property. If mortgage is not feasible, the Bank may, at its discretion, accept insurance policies, government promissory notes, shares/debentures or gold ornaments.View source
The page names mortgage of the financed property and a discretionary alternative-security list only if mortgage is infeasible.
Source
Baroda Home Loan Max Savings for /
Page / section
— Security
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Pre-closure chargeNil on the NRI/PIO product page. That page also says its fixed-rate option was withdrawn from 1 July 2010; the current service-charge page's separate 0.50% takeover row is expressly for fixed-rate retail loans and is not assigned to this floating NRI offer.View source
The page publishes nil pre-closure and says fixed-rate option withdrawn effective 01/07/2010; the separate current tariff row concerns fixed-rate facilities.
Source
Max Savings pre-closure term and fixed-rate retail prepayment schedule
Page / section
page — Rate of Interest and Pre Closure Charges; current service page — Fixed Rate Retail Loans pre-payment
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Optional credit-life cover and listed insurance benefitOptional group credit-life cover through the Bank's IndiaFirst Life tie-up: one-time premium varies by borrower age, loan amount, rate and tenure; the borrower may request financing subject to LTV, with premium recovered through EMIs; part of the premium may be refundable on foreclosure. The page also captions a benefit image “Free Accidental Insurance” but gives no cover amount or terms.View source
The page calls credit-life cover optional and borrower-paid, gives premium basis/financing//refund terms and separately displays a “Free Accidental Insurance” image caption without cover detail.
Source
Baroda Home Loan Max Savings for /
Page / section
Benefits image captions; — Group Credit Life Insurance Cover and salient features
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Published benefitsLinked savings-bank account; zero ROI on that account; maximum interest benefit; automatic EMI recovery; page image captions identify a free credit card and free accidental insurance; optional life-insurance cover. The reviewed page gives no separate free-card terms or accidental-cover limits/exclusions.View source
Benefits list and image alternative-text captions published on the product page.
Source
Baroda Home Loan Max Savings for /
Page / section
Benefits
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Unified processing-charge componentsThe Bank lists processing, documentation, document verification/vetting, pre-sanction inspection/contact-point verification, one-time post-inspection, advocate legal opinion, valuation, bureau report, CERSAI and ITR-verification charges as components of its unified charge; each component is not separately priced on the NRI product page.View source
The page enumerates ten charge components and links to the processing-charge schedule; it does not allocate separate prices to those components.
Source
Baroda Home Loan Max Savings for /
Page / section
— Unified Processing Charges
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Documents requested in the listed NRI Home Loan formThe Bank's current NRI forms listing includes an 18-page general Home Loan application with NRI/PIO documents on pp.12–13, while its current retail-forms page also lists a six-page generic model checklist. Both include conditional applicant and property documents, but neither is Max Savings-specific; the exact Max Savings checklist link returned no file. Full source checklists and conditions are kept in the product tables.View source
The current application and generic model checklist list supporting records, but the generic form expressly allows product-specific additions. The exact Max Savings checklist URL remains inaccessible; generic rows are not presented as a universal required-documents list.
Source
Bank of Baroda Home Loan application form
Page / section
form pp.12–13; generic model checklist pp.4–6; exact Max Savings checklist link status
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Maximum loan amount by locationMumbai: ₹10 crore; other metros: ₹5 crore; urban: ₹3 crore; semi-urban/rural: ₹1 crore, subject to income, repayment capacity and LTV/margin norms. The shared Max Savings page has a different general schedule; that separate conflict is preserved in the comparison table and is not applied to this NRI variant.View source
The current -specific page lists the four location caps; the shared general-page schedule is separately documented as a scope conflict.
Source
Baroda Home Loan Max Savings for / — current official page
Page / section
— Limit: Maximum Limit
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Repayment-capacity limitsFor salaried applicants, total deductions including proposed EMI may be up to 50% when gross monthly income is below ₹20,000; 60% at ₹20,000–below ₹50,000; 65% at ₹50,000–below ₹2 lakh; 70% at ₹2 lakh–below ₹5 lakh; and 75% at ₹5 lakh or more. For other applicants, the cap is 70% of average gross annual income up to ₹6 lakh and 80% above ₹6 lakh.View source
The current page's complete gross-income repayment-capacity bands were transcribed.
Source
Baroda Home Loan Max Savings for / — current official page
Page / section
— Repayment Capacity
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Interest rateThe NRI/PIO page publishes floating pricing from one-year MCLR to one-year MCLR +1.00% p.a., with annual reset and daily-reducing balance/monthly rests. The shared Max Savings page publishes a separate BRLLR schedule; because the Bank does not state a conversion rule for this NRI variant, that shared schedule is preserved as a non-controlling conflict rather than blended into this value.View source
The variant-specific page names one-year and its spread; the shared schedule is documented separately because no conversion precedence is published.
Source
Baroda Home Loan Max Savings for / — rate wording
Page / section
— Rate of Interest; shared Max Savings rate reference
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Rate benchmarkOne-year MCLR with annual reset; CIBIL-linked pricing ranges from one-year MCLR to one-year MCLR +1%. The shared Max Savings BRLLR schedule is retained as a separate general-page conflict, not as the NRI variant's benchmark.View source
The page publishes the benchmark and spread; no source confirms conversion to the shared schedule.
Source
Baroda Home Loan Max Savings for / — benchmark wording
Page / section
— Rate of Interest; shared Max Savings rate reference
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Processing feeBaroda Home Loan and Home Improvement Loan tariff: up to ₹50 lakh, 0.50% of loan amount with minimum ₹8,500 and maximum ₹15,000; above ₹50 lakh, 0.25% with minimum ₹8,500 and maximum ₹25,000. Takeover is a flat ₹8,500 upfront. Charges are exclusive of GST; the tariff says the unified charge includes inspection, valuation and legal fees.Effective 1 Apr 2025View source
Current tariff rows state 0.50%/0.25% bands, minimums, maximums, takeover charge and exclusion.
Source
Bank of Baroda service charges — current home-loan tariff
Page / section
Baroda Home Loan and Home Improvement Loan; Mortgages & Retail Asset
Accessed
29 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • The shared Max Savings page says each end-of-day credit in the linked savings account is credited against the linked home-loan balance and reduces interest by the same amount; the savings account itself earns zero interest, and the is remitted into it.
  • The linked account remains available for withdrawal on demand and can use cheque-book, /debit-card, internet-banking and mobile-banking facilities under normal savings-account terms and charges.
  • Page benefit-image captions also identify a free credit card and free accidental insurance; the reviewed page does not give their cover limits, exclusions or card terms.
  • Optional group credit-life insurance is described separately; premium and cover conditions are set out in the product facts and table.

Eligibility

  • Individuals may apply singly or jointly; are not eligible.
  • For an applicant/co-applicant whose income is counted, the page requires eligible overseas employment with a valid job contract/work permit for at least the past 2 years, or employment/self-employment/business while staying abroad for at least 2 years.
  • Minimum gross annual income is equivalent to ₹5 lakh. Where an income is counted, the page permits the combined applicant/co-applicant income to meet the ₹5 lakh test.
  • The Bank restricts who may be counted as a co-applicant; non-relatives may be considered only as joint property owners. See the published eligibility table for the listed close-relative relationships and / definitions.

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

Documents the bank lists

  • The current forms listing links a general 18-page Home Loan application packet with 2022 file metadata; its pages 12–13 request employment, identity, bank/income, guarantor, and property documents listed below. It is not labelled Max Savings-specific.
  • Salaried applicants: employment contract (translated into English and attested by employer or Indian Embassy if not in English), latest 6 months' certified salary slips, employer , Continuous Discharge Certificate where applicable, current work permit, visa-stamped passport and latest account passbook/statement.
  • Other income/banking evidence requested in the form: latest 6 months' overseas bank statements; biodata with qualifications, current job details and proof; 2 years' Indian/foreign income-tax returns; salary certificate/income statement attested by the foreign office/competent authority or notarised if attestation is unavailable; employer undertaking to remit instalments where required by sanction.
  • Self-employed/business applicants: 3 years' business/profession balance sheets and profit-and-loss statements plus individual income-tax returns, -certified; business profile describing nature, organisation, customers and suppliers.
  • evidence: card or current passport showing place of birth; previous Indian passport; and parents'/grandparents' passports, as applicable to the claimed route.
  • Property papers vary by case. The form lists purchase-payment receipts, approved drawings, construction permission, applicable Urban Land Ceiling permission, sale agreement/deed or cost estimate, co-operative allotment letter, and scenario-specific builder, society, resale, authority or plot-construction papers.
  • A guarantor form and guarantor net-worth/income evidence are requested where a guarantor is applicable.
  • The currently listed 6-page generic Model Checklist for Retail Loans adds baseline application, identity/residence, financial, property, / and self-employed items; it expressly says product-specific requirements may be added. It is older generic guidance, not a Max Savings-specific mandate. Its full checklist is retained separately so conditional and other-product items are not mistaken for universal requirements.
  • The product page's exact checklist link was inaccessible in this review; this application-form list must not be read as a complete current Max Savings checklist.

Related official documents

Bank of Baroda Retail Loans Interest Rates — current BRLLR and MCLR referencesofficial-interest-rate-page · current · accessed 29 Aug 2026
↗
Bank of Baroda Retail Loans Interest Rates — current benchmarks and home-improvement rowsofficial-interest-rate-page · current · accessed 29 Aug 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
↗
What is a Home Loan Processing Fee? — official Bank of Baroda articleofficial-fee-explanation-page · Official corroboration with 2019 tariff effective date; not the controlling current percentage value. · 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 Max Savings Home Loan — shared current product pageofficial-product-page · Current shared page reviewed; its NRI applicability makes loan-cap, repayment-basis and rate-source discrepancies material; Bank confirmation remains required. · accessed 23 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
↗
Baroda Home Loan Max Savings for NRI/PIOs — current Bank of Baroda official product pageofficial-product-page · current; complete rendered page review · accessed 29 Sept 2026
↗
Max Savings NRI Home Loan page — linked document checklist retrieval attemptofficial-linked-pdf · Inaccessible on 23 September 2026; retry if the Bank repairs the link or publishes a replacement. · accessed 23 Sept 2026
↗
Bank of Baroda service charges — current home-loan tariffofficial-service-charge-page · current; relevant service-charge sections reviewed · accessed 29 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
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 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
↗

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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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Applicant structure · Published definition or conditionIndividuals singly or jointly; are not eligible.

This value is copied from Who can apply: , and rules. Check the table notes before relying on it.

Source: Baroda Home Loan Max Savings for / — current official product page · Eligibility; — Borrower(s), // and income criteria Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 13 rows · 2 columnsWho can apply: NRI, PIO and OCI rulesEligibility categories and exclusions as written on the NRI/PIO product page.View tableHide table

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Who can apply: NRI, PIO and OCI rules
Applicant categoryPublished definition or condition
Applicant structureIndividuals singly or jointly; are not eligible.
Non-Resident Indian holding an Indian passport.
Foreign citizen except citizens of Bangladesh, Pakistan, Sri Lanka, Afghanistan, China, Iran, Nepal and Bhutan, and meeting at least one of the Bank's stated Indian-passport, Indian-parent/grandparent or spouse routes.
route — prior Indian passportThe person at any time held an Indian passport.
route — ancestryThe person, either parent or any grandparent was an Indian citizen under the Constitution/Citizenship Act, 1955.
route — spouseThe person is spouse of an Indian citizen or a person qualifying under the prior-passport or ancestry routes.
registrationRegistered as an Overseas Citizen of India under section 7A of the Citizenship Act, 1955; the page says an must necessarily be a .
ancestry routeThe page describes eligibility for a person eligible to be an Indian citizen on 26 January 1950, an Indian citizen on/after that date, or from territory that became part of India after 15 August 1947, and their children/grandchildren, subject to the stated dual-citizenship condition; minor children are also mentioned.
exclusionA person who has ever been a citizen of Pakistan or Bangladesh is not eligible for under the page wording.
Income-counted //At least 2 years of eligible overseas work/business/residence as stated in the , plus the ₹5 lakh gross annual-income test.
Income-counted employeeRegular job abroad with a reputed Indian/foreign company, organisation or government department and valid job contract/work permit for at least the past 2 years.
Income-counted self-employed/business applicantEmployed/self-employed or operating a business unit while staying abroad for at least 2 years.
Minimum incomeGross annual income equivalent to ₹5 lakh; the page says applicant/co-applicant income together may meet it where an is included among income-counted applicants.
  • The product page uses historical citizenship terms and statutory references; these are transcribed as issuer eligibility wording, not independent immigration-law advice.
Baroda Home Loan Max Savings for / — current official product page · Eligibility; — Borrower(s), // and income criteria · accessed 23 Sept 2026Open official source ↗
Table 2 · 6 rows · 2 columnsPermitted home-loan purposesAll uses listed in the product-page Eligibility section, preserving the residential-plot asterisk without inventing its missing footnote.View tableHide table

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Permitted home-loan purposes
PurposePage wording / limitation
Purchase or constructionHouse or flat.
Residential plot purchasePermitted purpose is marked with an asterisk; no corresponding footnote appears in the reviewed page.
Plot plus constructionPurchase residential plot land and construct a house.
TakeoverTake over from another bank, , or financial institution.
Extension / additional constructionExtend an existing house or undertake additional construction.
Own-source reimbursementReimbursement of expenses for construction of a house/flat paid from own sources.
  • Page's asterisk on residential plot purchase is unresolved; no construction condition has been added beyond the separately enumerated plot-plus-construction purpose.
Baroda Home Loan Max Savings for / — current official product page · Eligibility — enumerated loan purposes · accessed 23 Sept 2026Open official source ↗
Table 3 · 3 rows · 3 columnsHome-loan margin and LTV bandsComplete three-row amount/margin/LTV table from the product page.View tableHide table

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Home-loan margin and LTV bands
Loan amountBorrower marginMaximum ratio
Up to ₹30,00,00010%90%
Above ₹30,00,000 up to ₹75,00,00020%80%
Above ₹75,00,00025%75%
Baroda Home Loan Max Savings for / — current official product page · — Margin Norms & Loan to Value Ratio · accessed 23 Sept 2026Open official source ↗
Table 4 · 11 rows · 2 columnsTenure, moratorium, age, repayment and security termsLoan-term details transcribed from the NRI/PIO MITC.View tableHide table

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Tenure, moratorium, age, repayment and security terms
TermPublished condition
Maximum initial loan period30 years, inclusive of the maximum 36-month moratorium.
Under-construction moratorium18 months for homes/buildings up to the 7th floor; add 6 months per additional floor, maximum 36 months.
Minimum ageBorrower 21 years; co-applicant 18 years.
Maximum ageMay be considered up to 70 years*; page gives no matching asterisk footnote.
Repayment frequencyEquated monthly instalments ().
Agriculturist repaymentHalf-yearly instalments may be allowed to coincide with harvesting/marketing of major crops.
Moratorium interestInterest charged during moratorium is recovered as and when debited.
Primary securityMortgage of purchased/constructed property.
Alternative securityOnly if mortgage is not feasible, the Bank may at its discretion accept insurance policies, government promissory notes, shares/debentures or gold ornaments.
Pre-closureNil on this product page.
Fixed-rate optionWithdrawn effective 1 July 2010 on this / page.
  • Current service tariff also contains a takeover charge for fixed-rate retail loans; it is not automatically applicable to this page's withdrawn fixed-rate option.
Baroda Home Loan Max Savings for / — current official product page · — Repayment Period, Age, Security, Repayment, Pre Closure Charges and Rate of Interest · accessed 23 Sept 2026Open official source ↗
Table 5 · 7 rows · 2 columnsCo-applicant rules and listed close relativesThe product page permits close relatives and describes the joint-owner restriction for non-relatives.View tableHide table

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Co-applicant rules and listed close relatives
Relationship / rulePublished condition
Close relativeMay be added as a co-applicant for higher eligibility.
Non-relativeMay be considered only if they are a joint owner of the property.
SpouseIncluded.
ParentsFather and mother, including stepmother.
ChildrenSon, including stepson; son's wife; daughter, including stepdaughter; daughter's husband.
SiblingsBrother/sister, including stepbrother/stepsister; brother's wife.
In-lawsSpouse's sister (including stepsister); sister's husband; spouse's brother, including stepbrother.
  • The relationships follow the source's wording and punctuation; the page does not separately define every affinity relationship beyond this list.
Baroda Home Loan Max Savings for / — current official product page · — Co-Applicants and List of Close Relatives · accessed 23 Sept 2026Open official source ↗
Table 6 · 12 rows · 4 columnsNRI MCLR wording versus current BRLLR Home Loan schedulePreserves the product-specific formula, current benchmarks, the current Max Savings rate-page rows and the unresolved applicability conflict. Calculated reference ranges are not confirmed NRI quotes.View tableHide table

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NRI MCLR wording versus current BRLLR Home Loan schedule
Source / product scopePublished rate or spreadBenchmark/effective dateWhat can be concluded for this / variant
/ Max Savings product page — floatingOne-year to one-year +1.00%; annual reset; daily reducing balance; monthly rests; pricing by applicant/co-applicant Product page does not give an effective dateSpecific page formula; fixed option is stated withdrawn from 1 July 2010.
Current 1-year table8.75% p.a.Effective 12 September 2026Applying the page formula arithmetically gives 8.75%–9.75% p.a.; actual current applicability remains unconfirmed.
Current benchmark7.90% p.a. (repo 5.25% + markup/base spread 2.65%)Effective 6 December 2025Rate page states was introduced for all retail lending from 1 October 2019 and asks borrowers to contact the base branch for conversion.
Max Savings Home Loan — up to ₹75 lakh, salaried −0.70% to +1.05%Rate schedule effective 6 December 2025Current shared rate table row; it is not labelled as /-specific.
Max Savings Home Loan — up to ₹75 lakh, non-salaried −0.70% to +1.05%Rate schedule effective 6 December 2025Current shared rate table row; it is not labelled as /-specific.
Max Savings Home Loan — above ₹75 lakh, salaried −0.45% to +1.30%Rate schedule effective 6 December 2025Current shared rate table row; it is not labelled as /-specific.
Max Savings Home Loan — above ₹75 lakh, non-salaried −0.45% to +1.30%Rate schedule effective 6 December 2025Current shared rate table row; it is not labelled as /-specific.
Max Savings Home Loan fixed row — up to ₹75 lakh, salaried +1.00% to +2.05%Rate schedule effective 6 December 2025Conflicts with / page's statement that its fixed option was withdrawn; not applied to this variant.
Max Savings Home Loan fixed row — up to ₹75 lakh, non-salaried +1.10% to +2.05%Rate schedule effective 6 December 2025Conflicts with / page's statement that its fixed option was withdrawn; not applied to this variant.
Max Savings Home Loan fixed row — above ₹75 lakh, salaried +1.25% to +2.30%Rate schedule effective 6 December 2025Conflicts with / page's statement that its fixed option was withdrawn; not applied to this variant.
Max Savings Home Loan fixed row — above ₹75 lakh, non-salaried +1.35% to +2.30%Rate schedule effective 6 December 2025Conflicts with / page's statement that its fixed option was withdrawn; not applied to this variant.
Pricing footnotesRate depends on loan limit and score; 0.05% risk premium for customers not obtaining credit insurance; Bank says concessions apply to floating facilities onlyCurrent linked rate pageThe source page's effective-rate widgets show 0.00%; those values are defective and were not treated as borrower rates.
  • The exact current benchmark/conversion status for this / product is not resolved by the available public text. Confirm the borrower-specific rate with Bank of Baroda before relying on a quote.
  • The 8.75%–9.75% range is transparent arithmetic from the page's formula plus the latest published , not a bank-issued individual offer.
  • spread effective-rate arithmetic was not inserted into the comparison because the rate-page rows are not labelled for the variant.
Retail Loans Interest Rates — current / and Max Savings Home Loan rows · and benchmark sections; Max Savings floating/fixed rows and footnotes; page Rate of Interest wording · effective 12 Sept 2026 · accessed 23 Sept 2026Open official source ↗
Table 7 · 5 rows · 5 columnsHome Loan processing-charge evidence and date conflictKeeps the current tariff wording separate from older dated and undated generic schedules. Public processingFee remains blank pending Bank clarification.View tableHide table

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Home Loan processing-charge evidence and date conflict
Source / effective datePublished processing-charge band 1Published band 2 / capTakeoverTax / applicability
Current Service Charges page — 1 April 2025Printed as 50%; minimum ₹8,500, maximum ₹15,000Printed as 25%; minimum ₹8,500, maximum ₹25,000Flat ₹8,500 extra; current text omits decimal points; not interpreted as 0.50%/0.25% without confirmation.
Official fee article tariff — effective 20 June 20190.50%; minimum ₹8,500, maximum ₹15,0000.25%; minimum ₹8,500, maximum ₹25,000₹8,500 excluded; older dated schedule and not current precedence.
Home Loan application form p.12 — metadata 17 February 20220.50%; minimum ₹7,500, maximum ₹12,5000.25%; minimum ₹7,500, maximum ₹20,000₹7,500Form says service tax; historical amount/caps differ from both the 2019 and 2025 sources.
Generic All-in-Cost annexure — no effective date printed; metadata created 2008, modified 17 February 20220.35% up to ₹20 lakh; 0.40% above ₹20 lakhMaximum ₹15,000; no separate ₹50-lakh band stated0.10%, maximum ₹5,000Service tax extra; generic/legacy Home Loan row, not Max Savings -specific; not selected as current.
Unified-fee components in product pageProcessing; documentation; document verification/vetting; pre-sanction inspection/CPV; one-time post-inspectionAdvocate legal opinion; valuation; bureau report; CERSAI; verificationNo component-by-component allocationThe product page describes a unified fee and links to the tariff; it does not price each component separately.
  • The 2025 row is the newest dated tariff but its literal percentage is inconsistent with the older decimal schedules and stated caps; the generic 2008/2022-metadata annexure uses different ₹20-lakh bands. No current Max Savings fee is selected.
  • Do not calculate a rupee charge from a presumed decimal. /service-tax wording also differs across these dated or undated sources.
Bank of Baroda Service Charges and official Home Loan processing-fee article/application form · Mortgages & Retail Asset tariff effective 01.04.2025; 2019 article fee table; application p.12; unified components · effective 1 Apr 2025 · accessed 23 Sept 2026Open official source ↗
Table 8 · 20 rows · 3 columnsNRI Home Loan application: documents requested in the listed formPage 12–13 of the 18-page application form, transcribed from visual review. This is a 2022-metadata general NRI Home Loan form, not a complete current Max Savings checklist.View tableHide table

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NRI Home Loan application: documents requested in the listed form
Applicant/caseDocument or evidence requested in formPage / condition
Salaried Employment contractp.12; if not in English, translation plus employer or Indian Embassy attestation is requested.
Salaried Latest 6 months' certified salary slipsp.12; employer certification.
Salaried Employer identity cardp.12.
Salaried , if applicableContinuous Discharge Certificate (CDC)p.12; where applicable.
Salaried Current work permitp.12.
applicantPassport with visa stampp.12.
applicant account passbook or statementp.12.
applicantLatest 6 months' overseas bank statementsp.12.
applicantBiodata with education/qualifications, current job details and supporting proofp.12.
Income evidenceIndian/foreign income-tax returns for 2 yearsp.12.
Income evidenceSalary certificate/income statementp.12; attested by foreign office/competent authority, or notarised where attestation is unavailable.
Where sanction requires remittanceEmployer undertaking to remit loan instalmentsp.12; conditional on sanction requirement.
Guarantor, where applicableGuarantor application/form and net-worth and income proofp.12; not represented as universally required for every case.
Self-employed/business 3 years' business/profession balance sheets and profit-and-loss statements plus individual tax returnspp.12–13; -certified.
Self-employed/business Business profile: nature, organisation, customers and supplierspp.12–13.
identity route card or current passport showing place of birthp.13; as applicable.
ancestry/prior-passport routeEarlier Indian passport and parents'/grandparents' passportsp.13; relevant to the basis claimed.
Property purchase/constructionPurchase-payment receipts; approved drawings; construction permission; applicable Urban Land Ceiling permission; sale agreement/deed or cost estimatep.13; actual papers depend on property transaction.
Co-operative society allotmentSociety allotment letterp.13; where the property is allotted through a co-operative society.
Builder/society/resale/authority/plot constructionScenario-specific builder, society, resale, development-authority or plot-construction papersp.13; form gives different routes; this row does not imply every document applies to every case.
  • Exact current product-page checklist was not readable on 23 September 2026. This table records only the documents on the currently listed but older generic application packet.
  • The also includes Hindi application pages, group-life insurance consent/application pages and a separate credit-card application annexure; these were visually reviewed but are not part of the Home Loan document checklist table.
Bank of Baroda Home Loan application form — 18-page , SHA-256 e7957ed026fba22fd1b6a8427e5dbf9a8d1820113364797b845625da11b98044 · Pages 12–13 — salaried, self-employed, and property documents · accessed 23 Sept 2026Open official source ↗
Table 9 · 9 rows · 2 columnsOptional group credit-life cover termsCoverage and premium mechanics expressly described on the product page; the Bank does not publish a premium amount in this page section.View tableHide table

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Optional group credit-life cover terms
ItemPublished term
Provider relationshipBank states it has a tie-up with IndiaFirst Life Insurance Co.; the page says branches give the borrower an option to choose an insurance provider.
Optional status / payerOptional scheme; cost is borne by the borrower.
Insured eventGroup insurance against unforeseen consequences of borrower death.
Claim effectInsurer pays the outstanding cover amount as per cover schedule; family is not required to repay the loan to the extent of the claim settled.
PremiumOne-time premium; amount depends on borrower age, loan amount, interest rate and tenure.
FinancingAt borrower request, premium may be funded as part of the loan, subject to total eligibility and strict Home Loan compliance; financed premium is recovered with .
ForeclosureThe page says a certain portion of paid premium shall be refunded by the insurer; no refund percentage/formula is published here.
Free accidental cover captionProduct-benefit image caption says “Free Accidental Insurance”; page gives no sum insured, premium payer details, exclusions or eligibility terms in the reviewed section.
Free credit card captionBenefit-image caption says “Free Credit Card”; card identity, network, fees and eligibility are not specified in the reviewed home-loan page section.
  • This optional loan-protection cover does not establish sum insured or premium for a separate insurance product; do not transfer it to other Bank-distributed policies.
Baroda Home Loan Max Savings for / — Group Credit Life terms · — Group Credit Life Insurance Cover and salient features; Benefits image captions · accessed 23 Sept 2026Open official source ↗
Table 10 · 13 rows · 3 columnsLegacy generic All-in-Cost annexure: Home Loan charges and conditionsRelevant Home Loan rows from the Bank's four-page generic legacy schedule. The file has no printed effective date, is not NRI Max Savings-specific and conflicts with newer fee evidence.View tableHide table

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Legacy generic All-in-Cost annexure: Home Loan charges and conditions
Charge or eventPublished amount/conditionSource qualification
Unified processing charge up to ₹20 lakh0.35%Generic Baroda Home Loan row; service tax separately recoverable.
Unified processing charge above ₹20 lakh0.40%; maximum ₹15,000Generic Baroda Home Loan row; service tax separately recoverable.
Takeover of Home Loan0.10%; maximum ₹5,000 plus service taxSeparate takeover row in the generic schedule.
When processing fee is collectedRecovered upfrontCondition stated for generic retail-loan processing charges.
Sanctioned but not availed50% of the upfront processing charge may be refundedSource says ‘may be’; not an automatic full refund.
Loan not sanctioned up to ₹5 lakhNo processing chargeSource condition is expressed for loans not sanctioned up to ₹5 lakh.
Legal opinion and valuationActual charges, in addition to unified processing chargesGeneric annexure; no rupee amount or cap stated.
Home Loan prepaymentNilGeneric annexure; older and not Max Savings -specific. page independently says nil pre-closure.
Post-sanction inspectionFirst post-inspection: nil; second and later: ₹100 plus out-of-pocket and conveyance charges per inspection, plus service taxApplies to the legacy generic Home Loan row.
Fixed-to-floating conversionOne-time charge of 0.50% for each residual year; maximum 2% plus service tax of outstanding amount on conversion dateOnly for loans sanctioned under the fixed-rate option in this schedule.
Condition attached to fixed-to-floating conversionSchedule requires the premature-closure charge condition to be stipulated and borrower acceptance obtainedThe annexure links conversion to the next row; not a general current loan charge.
Premature-closure condition for converted fixed-rate loans0.50% plus service tax of outstanding balance for each residual loan year; maximum 3%The schedule requires this condition and borrower acceptance for the fixed-to-floating conversion.
Floating-to-fixed conversionOption not availableAs stated in this undated legacy annexure only; current page says its fixed option was withdrawn effective 1 July 2010.
  • No effective date is printed in the . Metadata shows creation in 2008 and modification on 17 February 2022. The Bank still lists it on the Download Forms page, but that listing does not make its fee values current.
  • Do not apply fixed-rate conversion conditions to the / Max Savings offer: its -specific page says the fixed option was withdrawn effective 1 July 2010. The current fee comparison remains unresolved.
All-in Cost for Retail Loans — four-page , SHA-256 ed72e544fb325bbe49b336256843fdc2254fd32e12bcdeb5938b8029f12dd613 · English p.3: Home Loan processing/prepayment/inspection; p.4: fixed-to-floating conversion · accessed 23 Sept 2026Open official source ↗
Table 11 · 41 rows · 3 columnsGeneric Retail Loan Model Checklist: applicant, property, NRI, PIO and self-employed documentsComplete English checklist transcription from the Bank's currently listed six-page generic form. It is not a Max Savings-specific mandate; the source expressly allows added product-specific items.View tableHide table

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Generic Retail Loan Model Checklist: applicant, property, NRI, PIO and self-employed documents
Checklist scope / conditionDocument or evidence listedPage / qualification
General applicationCompleted and signed application formp.4; generic retail-loan checklist.
General applicationTwo passport-size photographsp.4.
Identity proof; any oneCurrent employer photo identity card; Electoral card; passport; driving licence; card, etc.p.4; alternatives as listed.
Residence proof; any oneElectoral card; passport; electricity bill; landline telephone billp.4; alternatives as listed.
Salaried applicantOriginal or certified copy of latest salary slips for the past 3 monthsp.4; applies to salaried persons.
Non-salaried applicantProof of business addressp.4; applies to non-salaried persons.
General financial informationPersonal asset and liability statement in the Bank's formatp.4.
Account held with another bankBank account statement for the last 6 monthsp.4; the source qualifies this for another-bank accounts.
Existing loan at another bank/financial institutionLoan account statement for the last 6 monthsp.4; only if a loan was availed from another bank/financial institution.
Income-tax evidenceIncome-tax returns for the last 3 years acknowledged by the Income Tax Department, or assessment orders, or Form 16p.4; alternatives as stated.
Applicant biodataEducation, age, job experience and nature of profession/business, with necessary proofp.4.
Guarantor, if applicableGuarantor forms with net-worth proof and/or income proofp.4; applicability is conditional in the checklist.
GuarantorGuarantor's income-tax returns for the last 2 yearsp.4; listed as a separate item.
Where feasibleEmployer undertaking to remit monthly instalmentsp.4; source says ‘wherever feasible’.
Residential-unit purchaseReceipt for payments made for purchase of the residential unitp.4–5; property-document section.
Proposed purchase/constructionCopy of approved drawingsp.5.
Flat/house constructionPermission from competent authority for constructionp.5; where applicable to the property.
Land subject to cited statutePermission from competent authority under the Urban Land (Ceiling and Regulation) Act, 1976p.5; conditional on applicability.
Property to be constructedAgreement for sale/sale deed, or detailed cost estimate from an architect/engineerp.5; alternatives/evidence stated for the property to be constructed.
Co-operative society/apartment association propertyAllotment letter from the co-operative society or association of apartment ownersp.5; where applicable.
Property bought directly from builderOther documents for ready or under-construction propertyp.5; scenario listed, but the generic checklist does not name these other documents.
Property in registered co-operative housing societyOther society-specific documentsp.5; scenario listed, but not itemised further.
Resale purchaseOther resale-property documentsp.5; scenario listed, but not itemised further.
Direct sale by development authorityOther development-authority documentsp.5; scenario listed, but not itemised further.
House construction on separate plotOther plot-construction documentsp.5; scenario listed, but not itemised further.
applicantEmployment contractp.5; if not in English, translate into English and attest by employer/Indian Embassy as the source states.
applicantPhoto identity card issued by current employerp.5.
applicant, if applicableContinuous Discharge Certificatep.5; where applicable.
applicantLatest work permitp.5.
applicantVisa stamped on passportp.5.
applicant bank account passbook or statementp.5.
applicant whose salary is credited overseasOverseas bank statement for the last 6 monthsp.5; source specifies the salary-credit account.
income evidenceSalary certificate/income statement attested by the Bank's foreign/subsidiary office or competent authority; source also names chartered/certified accountants, Inland Revenue officials or another specified agency; notarise if attestation is not possiblepp.5–6; alternatives and fallback follow the source wording.
identity; card or listed alternative card, or current passport showing birthplace in India/abroad, or earlier Indian passport, or parents'/grandparents' passport substantiating the claimp.6; alternative identity routes, not a requirement to submit all of them.
property to be constructedAgreement for sale/sale deed, or detailed cost estimate from architect/engineerp.6.
property allotmentAllotment letter from co-operative society, apartment owners' association, development authority or other allotting bodyp.6; where applicable.
Self-employed applicantBusiness/profession balance sheets and profit-and-loss accounts with individual income-tax returns for the last 3 years, certified by a chartered accountantp.6.
Self-employed applicantNote describing nature of business/profession, organisational form, clients and suppliersp.6.
Indicative car/vehicle, consumer or computer loan itemQuotationp.6; not a Home Loan document requirement.
Indicative traders-loan itemSales/turnover documents such as balance sheet/challansp.6; not a Home Loan document requirement.
Indicative education-loan itemMark sheets, admission proof and probable expenditurep.6; not a Home Loan document requirement.
  • This is the generic Model Checklist for Retail Loans, not the Max Savings /-specific checklist. Do not present every row as mandatory for every applicant or property.
  • The Bank says additional product-specific requirements may be listed and given to the applicant. The exact Max Savings checklist linked from its page was inaccessible on 23 September 2026.
  • Pages 1–3 contain the Hindi mirror. All six pages were reviewed; these rows transcribe the English pages 4–6.
Model Checklist for Retail Loans — six-page , SHA-256 615edef5250417a6ddff86dbdc005e4bac655e0523b5c2484cf12c0c31e1a032 · English pp.4–6: general documents, property documents, /, self-employed and indicative other-product lists · accessed 23 Sept 2026Open official source ↗
Table 12 · 14 rows · 2 columnsBaroda Home Loan Max Savings for NRI/PIOs — current limits, repayment capacity and LTVView tableHide table

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Baroda Home Loan Max Savings for NRI/PIOs — 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 Max Savings for / — current official page · — maximum limit, repayment capacity and margin/ · accessed 29 Sept 2026Open official source ↗
Table 13 · 6 rows · 2 columnsLinked savings-bank account facilitiesView tableHide table

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Linked savings-bank account facilities
FacilityPublished treatment
BalanceWithdrawable on demand
Cheque bookNormal savings-account rules
/debit cardNormal savings-account rules
Internet and mobile bankingNormal savings-account rules
Savings-account interest0% under shared Max Savings mechanism
Daily offsetEnd-of-day linked balance reduces interest-bearing loan balance under shared Max Savings terms
  • The detailed offset mechanics are sourced from the shared Max Savings page, which expressly includes // customers.
Baroda Max Savings Home Loan — shared official offset mechanism · Features — linked account · accessed 29 Sept 2026Open official source ↗
Table 14 · 5 rows · 2 columnsCurrent home-loan processing and conversion chargesView tableHide table

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Current home-loan processing and conversion charges
ChargePublished amount
Home loan up to ₹50 lakh0.50%; minimum ₹8,500; maximum ₹15,000
Home loan above ₹50 lakh0.25%; minimum ₹8,500; maximum ₹25,000
Home-loan takeoverFlat ₹8,500 upfront
Rate conversion0.10% of outstanding plus undisbursed portion; minimum ₹10,000; maximum ₹1,00,000 per account
Tax extra; schedule also notes charges are exclusive of
  • The home-loan tariff is effective from 01.04.2025 in the current service-charge page. The tariff states the unified charge includes inspection, valuation and legal fees.
Bank of Baroda service charges — current home-loan tariff · Mortgages & Retail Asset; Conversion Charges · effective 1 Apr 2025 · accessed 29 Sept 2026Open official source ↗
Table 15 · 3 rows · 2 columnsVariant-specific NRI rate wording versus shared Max Savings scheduleView tableHide table

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Variant-specific NRI rate wording versus shared Max Savings schedule
Source scopePublished benchmark/rate wording
/ Max Savings pageOne-year to one-year +1.00% p.a.; annual reset
Shared Max Savings pageCurrent -linked schedule; expressly lists //
ApplicabilityBank does not publish a conversion/precedence rule; confirm the live sanction quote
  • The page is used for this variant's canonical rate and benchmark fields. The shared schedule remains visible as a documented official-source conflict.
Baroda Home Loan Max Savings — and shared official rate scopes · — Rate of Interest and shared product rate reference · accessed 29 Sept 2026Open official source ↗
Table 16 · 5 rows · 4 columnsNRI Max Savings rate formula and benchmark applicabilityCompares the NRI page's MCLR formula with the shared Max Savings page/rate schedule, which lists NRI/PIO/OCI customers as eligible. Arithmetic ranges are references, not borrower quotes.View tableHide table

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NRI Max Savings rate formula and benchmark applicability
Product/source scopePublished rate wordingCurrent benchmarkApplicability decision
/ Home Loan Max SavingsFloating: 1-year to 1-year +1.00%; annual reset; -linked; daily reducing balance/monthly rests1-year 8.75% effective 12 September 2026Formula arithmetic is 8.75%–9.75%; current borrower applicability not confirmed because the current retail page states applies to all retail lending.
Current retail lending benchmark applies to all retail lending per current rate page; page directs borrowers to contact base branch for conversion 7.90% effective 6 December 2025The page does not state the conversion status of this / variant.
Max Savings floating — up to ₹75 lakh −0.70% to +1.05%; 7.20%–8.95% by arithmetic at 7.90%; add 0.05% risk premium if no credit insurance 7.90% effective 6 December 2025Shared product page expressly lists // as eligible; it does not say whether these floating bands supersede the page's formula.
Max Savings floating — above ₹75 lakh −0.45% to +1.30%; 7.45%–9.20% by arithmetic at 7.90%; add 0.05% risk premium if no credit insurance 7.90% effective 6 December 2025Shared product page expressly lists // as eligible; it does not say whether these floating bands supersede the page's formula.
Fixed-rate option for / versionProduct page says withdrawn effective 1 July 2010Current generic retail table still displays fixed Max Savings rowsConflict retained; generic fixed-rate rows are not applied to this / version.
  • and arithmetic uses the source-published benchmarks/effective dates and is not an approved customer offer. No public source confirms the current conversion state. The page says the fixed option was withdrawn effective 1 July 2010, but the shared Max Savings page/rate schedule still displays fixed bands; do not apply them to the loan without confirmation.
Retail Loans Interest Rates — current / and Home Loan rows · and benchmark sections; Max Savings Home Loan floating/fixed rate rows; page rate wording · effective 12 Sept 2026 · accessed 23 Sept 2026Open official source ↗
Table 17 · 5 rows · 4 columnsBank of Baroda current retail-lending benchmark referenceCurrent published benchmark values; a benchmark is not itself a final customer rate.View tableHide table

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Bank of Baroda current retail-lending benchmark reference
ReferencePublished valueEffective dateUse / variant note
Repo rate5.25% p.a.Current schedule page, accessed 23 September 2026Component of calculation shown on the page.
7.90% p.a. = repo 5.25% + markup/base spread 2.65%6 December 2025Rate page states applies to all retail lending; shared Max Savings page includes //, while -specific page retains its one-year formula.
1-year 8.75% p.a.12 September 2026/ Max Savings page expressly uses one-year ; rate page says borrowers should contact their base branch for -to- conversion.
Base rate9.45% p.a.12 May 2025Listed for products that expressly use the Base Rate; not used for this Max Savings calculation.
Max Savings current benchmark status versus applicability unresolvedRechecked 23 September 2026Public pages do not confirm if/when this variant was converted; borrower must obtain branch confirmation.
  • A benchmark does not determine the final rate without the applicable product spread, date, conversion state and customer pricing.
Retail Loans Interest Rates — current and benchmark table · Repo, and benchmark headings; -to- conversion note · effective 12 Sept 2026 · accessed 23 Sept 2026Open official source ↗
Table 18 · 10 rows · 4 columnsNRI-specific and shared Max Savings loan ceilingsBoth Bank pages include the NRI Max Savings offer, but their published city ceilings differ. Neither page gives a precedence rule; retain the rows separately.View tableHide table

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NRI-specific and shared Max Savings loan ceilings
Source scopeProperty locationMaximum loanConditions / source note
/-specific Mumbai₹10 croreSubject to income, repayment capacity and /margin; current page.
Shared Max Savings (also lists // eligibility)Mumbai₹20 croreSubject to income, repayment capacity and /margin; conflicts with -specific Mumbai cap.
/-specific Other metros*₹5 croreThe asterisk's metro list is not defined on the page.
Shared Max Savings Other metros₹5 croreThe page separately gives named metro cities below; it does not explain overlap or precedence.
Shared Max Savings Hyderabad, New Delhi and Bengaluru₹7.50 croreListed separately from “Other Metros”; the page does not explain the category overlap.
/-specific Urban areas₹3 croreSubject to income, repayment capacity and /margin.
Shared Max Savings Urban areas₹3 croreSubject to income, repayment capacity and /margin.
/-specific Semi-urban and rural₹1 croreSubject to income, repayment capacity and /margin.
Shared Max Savings Semi-urban and rural₹1 croreSubject to income, repayment capacity and /margin.
Shared Max Savings Chandigarh–Panchkula–Mohali tri-city₹5 croreNamed regional ceiling; not separately shown in the -specific page's four-row list.
  • The shared page's eligibility section lists resident Indians, holding Indian passports, holding foreign passports and . Its shared limits are therefore retained as applicable evidence, not assumed resident-only. Ask the Bank which city ceiling governs an application.
Baroda Max Savings Home Loan — shared current page, compared with page · page — Maximum Limit; shared page Eligibility and — Target Group and Maximum Limit · accessed 23 Sept 2026Open official source ↗
Table 19 · 14 rows · 4 columnsRepayment-capacity bands: NRI gross-income and shared net-income rulesThe NRI-specific page uses gross income; the shared Max Savings page expressly lists NRIs but uses net income. Total deductions include the proposed EMI in both tables.View tableHide table

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Repayment-capacity bands: NRI gross-income and shared net-income rules
Page / applicant typeIncome basisIncome bandMaximum total deductions including proposed
-specific page — salariedGross monthly income ()Below ₹20,00050%
-specific page — salariedGross monthly income ()₹20,000 to below ₹50,00060%
-specific page — salariedGross monthly income ()₹50,000 to below ₹2,00,00065%
-specific page — salariedGross monthly income ()₹2,00,000 to below ₹5,00,00070%
-specific page — salariedGross monthly income ()₹5,00,000 and above75%
-specific page — other applicantsAverage gross annual income over the last 2 yearsUp to ₹6,00,00070%
-specific page — other applicantsAverage gross annual income over the last 2 yearsAbove ₹6,00,00080%
Shared Max Savings page — salariedNet monthly incomeBelow ₹25,00040%
Shared Max Savings page — salariedNet monthly income₹25,000 to below ₹50,00060%
Shared Max Savings page — salariedNet monthly income₹50,000 to below ₹1,00,00065%
Shared Max Savings page — salariedNet monthly income₹1,00,000 to below ₹2,00,00070%
Shared Max Savings page — salariedNet monthly income₹2,00,000 and above75%
Shared Max Savings page — other applicantsAverage net annual income over the last 2 yearsUp to ₹6,00,00070%
Shared Max Savings page — other applicantsAverage net annual income over the last 2 yearsAbove ₹6,00,00080%
  • The shared Max Savings page explicitly lists // in its target group. Public sources do not explain whether gross or net income should be used for an application; preserve the distinction and request Bank confirmation.
Baroda Max Savings Home Loan — shared current page, compared with page · page — Repayment Capacity; shared page Target Group and Repayment Capacity · accessed 23 Sept 2026Open official source ↗

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