Personal, home, vehicle & other loans

Baroda Home Suvidha Personal Loan

A linked personal-loan facility for eligible Baroda Home Loan borrowers to fund insurance, registration, stamp duty, and club-membership costs, with separate Category A/B margins.

Interest rateApplicable Home Loan ROI including risk premium where applicable, based on current BRLLR, plus Strategic Premium plus 0.50%. The current retail-rate schedule shows no standalone effective rate and notes an additional 0.10% concession for customers opting for group credit-life insurance.TenureFresh or takeover linked cases follow the maximum term of the sanctioned/proposed Home Loan; existing linked cases follow the residual Home Loan period. The facility is co-terminus with the linked Home Loan.Processing feePublished retail home-loan schedule: 0.50% up to ₹50 lakh (minimum ₹8,500, maximum ₹15,000), 0.25% above ₹50 lakh (minimum ₹8,500, maximum ₹25,000), and ₹8,500 flat for takeover; GST extra.

Official product page ↗Compare category

✓ 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.

PurposePersonal loan for miscellaneous costs connected with purchasing a home, including insurance premiums, stamp duty, registration, GST and club membership fees.View source

Personal loan for miscellaneous costs connected with purchasing a home, including insurance premiums, stamp duty, registration, and club membership fees.

Source: Baroda Home Suvidha Personal Loan
Page / section: Overview / Benefits
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Category A usesGroup credit-life insurance premium; group credit-health insurance premium; and property insurance premium from the listed insurers or another insurer tied up with Bank of Baroda.View source

Group credit-life insurance premium; group credit-health insurance premium; and property insurance premium from the listed insurers or another insurer tied up with Bank of Baroda.

Source: Baroda Home Suvidha Personal Loan
Page / section: Features — Purpose, Category A
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Category B usesStamp duty and registration charges for residential-property purchase, applicable GST, and club membership charges at the time of house purchase.View source

Stamp duty and registration charges for residential-property purchase, applicable , and club membership charges at the time of house purchase.

Source: Baroda Home Suvidha Personal Loan
Page / section: Features — Purpose, Category B
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Reimbursement windowReimbursement is allowed only within 12 months from payment of the cost, and end use must be ensured for all financed expenses.View source

Reimbursement is allowed only within 12 months from payment of the cost, and end use must be ensured for all financed expenses.

Source: Baroda Home Suvidha Personal Loan
Page / section: Features — Purpose
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Category A marginNil margin: 100% finance can be availed against eligible Category A expenses.View source

Nil margin: 100% finance can be availed against eligible Category A expenses.

Source: Baroda Home Suvidha Personal Loan
Page / section: Features — Margin, Category A
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Category B margin25% margin on eligible Category B costs, allowing 75% finance.View source

25% margin on eligible Category B costs, allowing 75% finance.

Source: Baroda Home Suvidha Personal Loan
Page / section: Features — Margin, Category B
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Fresh/takeover tenureFor fresh or takeover linked home loans, the maximum repayment period follows the tenure applicable to the home loan sanctioned or proposed for the borrower.View source

For fresh or takeover linked home loans, the maximum repayment period follows the tenure applicable to the home loan sanctioned or proposed for the borrower.

Source: Baroda Home Suvidha Personal Loan
Page / section: Features — Repayment Period
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Existing linked-loan tenureFor an existing linked home loan, the maximum repayment period is the residual period of that existing home loan.View source

For an existing linked home loan, the maximum repayment period is the residual period of that existing home loan.

Source: Baroda Home Suvidha Personal Loan
Page / section: Features — Repayment Period
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Eligible borrowersProspective Baroda Home Loan borrowers, including takeover borrowers, and existing borrowers under the Baroda Home Loan Scheme.View source

Prospective Baroda Home Loan borrowers, including takeover borrowers, and existing borrowers under the Baroda Home Loan Scheme.

Source: Baroda Home Suvidha Personal Loan
Page / section: Eligibility
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Interest rate formulaApplicable rate is the home-loan rate including risk premium where applicable, based on the current BRLLR, plus Strategic Premium plus 0.50%; the page does not publish a single effective rate.View source

Applicable rate is the home-loan rate including risk premium where applicable, based on the current , plus Strategic Premium plus 0.50%; the page does not publish a single effective rate.

Source: Baroda Home Suvidha Personal Loan
Page / section: Interest rates & charges
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Published processing-fee scheduleThe page’s table, effective 1 April 2025, lists for Baroda Home Loan (all variants): loan up to ₹50 lakh — 50%, minimum ₹8,500 and maximum ₹15,000; above ₹50 lakh — 25%, minimum ₹8,500 and maximum ₹25,000; takeover — flat ₹8,500. The source displays 50%/25% and should be confirmed with the current card-rate schedule because the formatting appears inconsistent with the stated rupee caps.View source

The page’s table, effective 1 April 2025, lists for Baroda Home Loan (all variants): loan up to ₹50 lakh — 50%, minimum ₹8,500 and maximum ₹15,000; above ₹50 lakh — 25%, minimum ₹8,500 and maximum ₹25,000; takeover — flat ₹8,500. The source displays 50%/25% and should be confirmed with the current card-rate schedule because the formatting appears inconsistent with the stated rupee caps.

Source: Baroda Home Suvidha Personal Loan
Page / section: Interest rates & charges — Processing Charges
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Tax treatmentPublished processing charges exclude GST.View source

Published processing charges exclude .

Source: Baroda Home Suvidha Personal Loan
Page / section: Interest rates & charges
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Repayment startEMI repayment starts from the month after disbursement; no moratorium is allowed for this personal-loan component.View source

repayment starts from the month after disbursement; no moratorium is allowed for this personal-loan component.

Source: Baroda Home Suvidha Personal Loan
Page / section
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Co-terminus conditionThe loan is co-terminus: if the linked home loan closes, the Baroda Home Suvidha Personal Loan must also close.View source

The loan is co-terminus: if the linked home loan closes, the Baroda Home Suvidha Personal Loan must also close.

Source: Baroda Home Suvidha Personal Loan
Page / section
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Related home-loan tenureThe FAQ states a home-loan term up to 30 years, not exceeding retirement age or 65 years, whichever is earlier; Home Suvidha follows the linked loan’s permitted term.View source

The states a home-loan term up to 30 years, not exceeding retirement age or 65 years, whichever is earlier; Home Suvidha follows the linked loan’s permitted term.

Source: Baroda Home Suvidha Personal Loan
Page / section: — For how long
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Home-loan tax contextThe FAQ describes up to ₹2 lakh interest deduction under section 24 and up to ₹1.50 lakh principal deduction under section 80C; tax treatment is general guidance and not a specific Home Suvidha benefit.View source

The describes up to ₹2 lakh interest deduction under section 24 and up to ₹1.50 lakh principal deduction under section 80C; tax treatment is general guidance and not a specific Home Suvidha benefit.

Source: Baroda Home Suvidha Personal Loan
Page / section: — Tax saving
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Support contactsDomestic toll-free 1800 5700 and 1800 5000; overseas 24x7 number +91 79-66296009.View source

Domestic toll-free 1800 5700 and 1800 5000; overseas 24x7 number +91 79-66296009.

Source: Baroda Home Suvidha Personal Loan
Page / section: Need Assistance
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

DocumentsThe page directs applicants to the Bank of Baroda home-loan document checklist for KYC, personal-identification, property and income documents.View source

The page directs applicants to the Bank of Baroda home-loan document checklist for , personal-identification, property and income documents.

Source: Baroda Home Suvidha Personal Loan
Page / section: Documents Required
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Terms disclosureThe bank may use agents for product marketing; terms, current rates, credit assessment and linked home-loan conditions apply.View source

The bank may use agents for product marketing; terms, current rates, credit assessment and linked home-loan conditions apply.

Source: Baroda Home Suvidha Personal Loan
Page / section: Page notes and
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Loan typeLinked personal-loan facility for eligible Baroda Home Loan borrowers to finance specified home-purchase costs.View source

The product finances insurance, registration, stamp duty, and club-membership costs connected with purchase of a home.

Source: Baroda Home Suvidha Personal Loan
Page / section: Overview / Benefits
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

The live schedule lists the Home Suvidha linked rate formula and separately states that an additional 0.10% concession is available to customers opting for group credit-life insurance.

Source: Bank of Baroda Retail Loans Interest Rates — current official schedule
Page / section: Baroda Home Suvidha Personal Loan row; group credit-life insurance footnote
Accessed: 29 Sept 2026
Confidence: high

Open official source ↗

BenchmarkCurrent Bank of Baroda BRLLR and the linked home-loan pricing rules.View source

The page links pricing to the applicable home-loan based on current .

Source: Baroda Home Suvidha Personal Loan
Page / section: Interest rates & charges
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

TenureFresh or takeover linked cases follow the maximum term of the sanctioned/proposed Home Loan; existing linked cases follow the residual Home Loan period. The facility is co-terminus with the linked Home Loan.View source

The page gives separate fresh/takeover and existing-loan rules and states that Home Suvidha must close when the linked Home Loan closes.

Source: Baroda Home Suvidha Personal Loan — official product page
Page / section: Features — Repayment Period;
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Processing feePublished retail home-loan schedule: 0.50% up to ₹50 lakh (minimum ₹8,500, maximum ₹15,000), 0.25% above ₹50 lakh (minimum ₹8,500, maximum ₹25,000), and ₹8,500 flat for takeover; GST extra.Effective 1 Apr 2025View source

The page’s processing schedule states 0.50% and 0.25% slabs with the listed minimums, maximums and takeover fee; charges exclude .

Source: Baroda Home Suvidha Personal Loan
Page / section: Processing Charges (effective 01.04.2025)
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

EligibilityProspective Baroda Home Loan borrowers, including takeover cases, and existing borrowers under the Baroda Home Loan scheme.View source

The eligibility section names prospective Baroda Home Loan borrowers including takeovers and existing Baroda Home Loan borrowers.

Source: Baroda Home Suvidha Personal Loan
Page / section: Eligibility
Accessed: 21 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNo separate prepayment or foreclosure charge is published for the Home Suvidha component. The MITC says the facility is co-terminus: when the linked home loan closes, this loan must also close.View source

The complete page states that begins in the month after disbursement, no moratorium is allowed and the facility must close when the linked home loan closes, but gives no prepayment/foreclosure fee.

Source: Baroda Home Suvidha Personal Loan — official product page
Page / section: — repayment start and co-terminus condition; Interest rates & charges
Accessed: 29 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

100% finance for eligible Category A costs
75% finance for eligible Category B costs
Linked repayment period
No separate moratorium
Co-terminus with the linked home loan

Eligibility

Prospective Baroda Home Loan borrowers, including takeover cases, and existing borrowers under the Baroda Home Loan scheme.

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

Documents the bank lists

Bank of Baroda home-loan , identity, property and income documents
Evidence of eligible financed expenses

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

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

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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.

Topic

Purpose — Category A · Published Bank of Baroda termGroup credit-life, group credit-health and property-insurance premiums from listed/tied-up insurers.

This value is copied from Baroda Home Suvidha Personal Loan — published terms. Check the table notes before relying on it.

Source: Baroda Home Suvidha Personal Loan — official product page · Benefits; Features; Eligibility; 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 · 18 rows · 2 columnsBaroda Home Suvidha Personal Loan — published termsComplete source-backed transcription of the official page's purpose, financing, timing, repayment, pricing and documentation terms.View tableHide table

Scroll sideways to view every column

Baroda Home Suvidha Personal Loan — published terms
Topic	Published Bank of Baroda term
Purpose — Category A	Group credit-life, group credit-health and property-insurance premiums from listed/tied-up insurers.
Purpose — Category B	Stamp duty and registration for residential property purchase, applicable and club-membership charges at the time of house purchase.
Reimbursement window	Eligible costs must be reimbursed within 12 months of payment and end use must be ensured.
Category A margin	Nil margin; 100% finance against eligible Category A expenses.
Category B margin	25% margin; 75% finance against eligible Category B expenses.
Fresh/takeover repayment period	Follows the maximum repayment period of the linked Home Loan sanctioned or proposed for the borrower.
Existing linked-loan repayment period	Limited to the residual period of the existing linked Home Loan.
Eligibility	Prospective Baroda Home Loan borrowers, including takeover borrowers, and existing Baroda Home Loan borrowers.
Rate formula	Applicable Home Loan including risk premium where applicable, based on current , plus Strategic Premium plus 0.50%.
Effective rate	The official rate row displays a dash; no single effective rate is published.
Processing schedule	Effective 1 April 2025: Home Loan up to ₹50 lakh — displayed 0.50%, minimum ₹8,500 and maximum ₹15,000; above ₹50 lakh — displayed 0.25%, minimum ₹8,500 and maximum ₹25,000; takeover — flat ₹8,500. Charges exclude .
Repayment start	begins in the month after disbursement; no moratorium is allowed.
Co-terminus condition	If the linked Home Loan closes, the Home Suvidha Personal Loan must also close.
Documents	The page directs applicants to the Bank of Baroda Home Loan document checklist for , identity, property and income documents.
	Not published separately on the reviewed page.
Income threshold	No minimum salary or income amount is published; eligibility is tied to the linked Home Loan relationship.
Prepayment/foreclosure	No separate charge is published; only the co-terminus closure condition is stated.
Related Home Loan context	The states Home Loan financing can reach ₹10 crore per unit depending on area and up to 90% of property cost for newly constructed houses/flats; this is not a Home Suvidha limit.

The page's processing table displays 0.50% and 0.25% alongside rupee caps; those displayed percentages and caps are preserved exactly and should be reconfirmed with the current fee card before application.

Baroda Home Suvidha Personal Loan — official product page · Benefits; Features; Eligibility; Interest rates & charges; Documents Required; ; · effective 1 Apr 2025 · accessed 29 Aug 2026Open official source ↗

Related products

Baroda Advance Against Securities (Kisan Vikas Patra / e KVP)

A demand loan, term loan or overdraft against eligible Kisan Vikas Patra (/e-). The bank states there is no maximum loan ceiling, while its says lending may be up to 80–85% of the certificate face value. Apply at a branch.

View product

Baroda Advance Against Securities( Life Insurance Policies)

A term/demand loan or overdraft against an eligible assigned life-insurance policy. Minimums are ₹3,000 for term/demand and ₹20,000 for overdraft; the bank states no maximum ceiling and an advance of up to 80%–85% of surrender value.

View product

Baroda Advance Against Securities (National Savings Certificate)

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

View product

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

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

View product

Baroda Home Suvidha Personal Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Baroda Advance Against Securities (Kisan Vikas Patra / e KVP)

Baroda Advance Against Securities( Life Insurance Policies)

Baroda Advance Against Securities (National Savings Certificate)

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