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Baroda Home Loan to Corporates / Non Individuals

Baroda Home Loan to Corporates / Non Individuals

Rate8.90%–10.40% p.a., based on borrower rating (BRLLR plus the applicable strategic-premium spread).Maximum amountThe corporate MITC states that the maximum is as per the Baroda Home Loan schedule; it publishes no separate corporate ceiling. The general Home Loan FAQ linked from the page states up to ₹10 crore per individual unit, subject to area and repayment capacity.Repayment periodFresh corporate loans: 15 years including the moratorium. Takeover loans: maximum period is the same as with the existing lender.
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Quick eligibility check

Baroda Home Loan to Corporates / Non Individuals

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: Public limited company, private limited company, partnership firm or LLP incorporated and registered in India?

Published source: Eligible entity

2Does your annual income meet this requirement: No minimum rupee income is published?

Published source: Income eligibility

3Do you meet this requirement: The applicant must be a qualifying public/private company, partnership or LLP incorporated in India for at least 5 years, active for the last 2 years and (for existing borrowers) have at least 6 months' relationship?

Published source: Income eligibility

4Do you meet this requirement: the page instead sets a minimum loan amount of ₹1 crore and requires satisfactory rating/credit assessment?

Published source: Income eligibility

5Do you meet this requirement: For Indian public/private limited companies, partnership firms and LLPs incorporated for at least 5 years and active for the last 2 years?

Published source: Eligibility

6Document checkDo you have this required document or proof: Home-loan application form and documents listed in the official Bank of Baroda home-loan checklist?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: Certificate of incorporation and constitutional documents for the public/private company, partnership firm or LLP?

Published source: Eligibility

8Document checkDo you have this required document or proof: Annual declaration of total borrowings?

Published source: Eligibility

9Document checkDo you have this required document or proof: Undertaking that the property will not be let out; if let out, the page states 2% penal interest from the date of letting?

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.

Rate8.90%–10.40% p.a., based on borrower rating (BRLLR plus the applicable strategic-premium spread).View source
The page publishes + + 0.50% (8.90%) to + + 2.00% (10.40%).
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Based on the Rating
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing fee1% of sanctioned limit, minimum ₹8,500 and maximum ₹1,50,000.View source
The page publishes unified processing charges of 1% with the ₹8,500 minimum and ₹1,50,000 maximum.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Unified Processing Charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosure2% penalty on the amount prepaid if partially or fully prepaid within 3 years; nil after 3 years.View source
The page states 2% within 3 years and nil after 3 years.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Prepayment Charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Loan typeHome loanView source
The official product name identifies this as “Baroda Home Loan to Corporates / Non Individuals”.
Source
Baroda Home Loan to Corporates / Non Individuals — official product page
Page / section
Official product name and loan classification
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosure2% of the amount prepaid when partially or fully prepaid within 3 years; nil after 3 years.View source
The prepayment section states 2% within three years and nil thereafter.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Prepayment Charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Eligible entityPublic limited company, private limited company, partnership firm or LLP incorporated and registered in India.View source
The page lists the eligible entity forms and India registration requirement.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Eligibility — Type of Applicant and Company Profile
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
PurposePurchase of a ready-built house/flat or construction of a dwelling unit for employees, directors, promoters or partners; takeover of an existing loan is also available.View source
The official features section states the purchase/construction and takeover purposes.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Features — Purpose and Takeover
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Property locationResidential property must be within a municipal area at metro and urban centres; the property is held in the company or firm's name.View source
The product page states the municipal-area, metro/urban and ownership conditions.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Features — Property location
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Rating / credit requirementExternally rated applicants need at least BBB; where CMR is available, CMR-5 or better; where neither is available, promoter/director CIBIL must be at least 771.View source
The publishes the rating hierarchy and fallback.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
— Rating
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum LTVMaximum loan-to-value ratio is 75%.View source
The states that maximum should be 75%.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
— Margin
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
SecurityResidential property for which the loan is requested.View source
The names the financed residential property as security.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
— Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
GuaranteePersonal guarantee of all partners of the firm/LLP or promoters/directors of a private or unlisted public limited company.View source
The states the personal-guarantee requirement for the listed entity types.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
— Guarantee
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Income eligibilityNo minimum rupee income is published. The applicant must be a qualifying public/private company, partnership or LLP incorporated in India for at least 5 years, active for the last 2 years and (for existing borrowers) have at least 6 months' relationship; the page instead sets a minimum loan amount of ₹1 crore and requires satisfactory rating/credit assessment.View source
The page specifies entity types, five-year incorporation, two years of activity and a ₹1 crore minimum loan, but no minimum income or turnover amount.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Eligibility; loan limit and company profile
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Maximum amountThe corporate MITC states that the maximum is as per the Baroda Home Loan schedule; it publishes no separate corporate ceiling. The general Home Loan FAQ linked from the page states up to ₹10 crore per individual unit, subject to area and repayment capacity.View source
The corporate says “Maximum — As per Home Loan”; the linked general gives ₹10 crore per unit for an individual applicant. The corporate page does not state a separate corporate numeric ceiling.
Source
Baroda Home Loan to Corporates / Non Individuals — official page
Page / section
— Loan Limit; linked Home Loan
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Repayment periodFresh corporate loans: 15 years including the moratorium. Takeover loans: maximum period is the same as with the existing lender.View source
The states 15 years including moratorium for fresh loans and the existing lender's period for takeovers.
Source
Baroda Home Loan to Corporates / Non Individuals — official page
Page / section
— Repayment Period
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
BenchmarkBRLLR plus a borrower-rating-based strategic premium spread; the published effective range is 8.90%–10.40% p.a.View source
The rating table expresses pricing as plus strategic premium and rating-linked spreads.
Source
Baroda Home Loan to Corporates / Non Individuals
Page / section
Based on the Rating
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityFor Indian public/private limited companies, partnership firms and LLPs incorporated for at least 5 years and active for the last 2 years; an existing borrower must also have at least 6 months' relationship with the bank. Credit requirement: external rating BBB or better, or CMR-5 or better where available; if neither is available, promoter/director CIBIL must be at least 771. The published minimum loan is ₹1 crore; no minimum rupee-income threshold is stated.View source
The eligibility statement preserves the actual entity-age/activity and credit-rating conditions; ₹1 crore is the minimum loan amount, not an income requirement.
Source
Baroda Home Loan to Corporates / Non Individuals — official page
Page / section
Eligibility; interest rates & charges; loan limit and repayment period
Accessed
7 Oct 2026
Confidence
high
Open official source ↗

Benefits and features

  • Low interest rates.
  • Low processing charges.
  • Higher loan amount.
  • Takeover facility.
  • Top-up facility.

Eligibility

  • Eligible applicants are public limited companies, private limited companies, partnership firms and incorporated and registered in India.
  • The company or firm must have been incorporated for at least 5 years and actively engaged in business for the last 2 years.
  • The company or firm must be an existing borrower for at least 6 months or a debit-fee company/firm as stated on the page.
  • Company or firm must be satisfactory; where no external or rating is available, promoter/director must be at least 771.
  • Real-estate businesses and are not eligible; the property must be in the company/firm name and within municipal areas of metro or urban centres.
  • The facility finances purchase/construction of a dwelling unit for employees, directors, promoters or partners, and can take over an existing loan.

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

Documents the bank lists

  • Home-loan application form and documents listed in the official Bank of Baroda home-loan checklist.
  • Certificate of incorporation and constitutional documents for the public/private company, partnership firm or .
  • Annual declaration of total borrowings.
  • Undertaking that the property will not be let out; if let out, the page states 2% penal interest from the date of letting.
  • Property and security documents required by the bank's legal/valuation review, including title, approved plan, completion/occupancy evidence and valuation where applicable.

Related official documents

Baroda Home Loan to Corporates / Non Individuals — official pageofficial-product-page · current-at-review · accessed 29 Sept 2026
↗
Bank of Baroda loan product pages — eligibility, limits and chargesofficial-product-pages · current-at-review · accessed 29 Sept 2026
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
↗

Plan before applying

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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.

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Interest rate · Published detail + + 0.50% (8.90%) to + + 2.00% (10.40%), based on rating

This value is copied from Baroda Home Loan to Corporates / Non Individuals — published terms. Check the table notes before relying on it.

Source: Baroda Home Loan to Corporates / Non Individuals · Interest rates & charges; Documents Required; Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 12 rows · 2 columnsBaroda Home Loan to Corporates / Non Individuals — published termsProduct-specific terms transcribed from the corporate home-loan page.View tableHide table

Scroll sideways to view every column

Baroda Home Loan to Corporates / Non Individuals — published terms
TermPublished detail
Interest rate + + 0.50% (8.90%) to + + 2.00% (10.40%), based on rating
Processing charge1% of sanctioned limit; minimum ₹8,500; maximum ₹1,50,000
Prepayment within 3 years2% of amount prepaid
Prepayment after 3 yearsNil
Minimum loan limit₹100 lakh (₹1 crore)
Maximum loan limitAs per Baroda Home Loan schedule; no separate corporate ceiling printed
Maximum 75%
Fresh-loan repayment15 years including moratorium
Takeover repaymentSame maximum period as existing lender
RatingExternal BBB minimum; -5 or better; otherwise promoter/director CIBIL 771 or above
SecurityResidential property for which loan is requested
GuaranteePersonal guarantee of listed partners/promoters/directors
  • The linked general Home Loan individual limit is not substituted for a corporate limit.
Baroda Home Loan to Corporates / Non Individuals · Interest rates & charges; Documents Required; · accessed 30 Aug 2026Open official source ↗

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