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Baroda Loan against Future Rent Receivable (Retail Segment)

Bank of Baroda

Interest rateUp to 10 years: floating 10.15% or fixed 12.15% p.a.; above 10 years: floating 10.40% or fixed 12.40% p.a.; 25-basis-point concession for premises leased to Bank of Baroda.Maximum facility sizeThe service-charge schedule identifies the retail Future Rent Receivables facility as covering loans up to ₹100 crore; the product page does not publish a separate universal sanction cap.Maximum tenureLonger repayment period up to 15 years.
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Quick eligibility check

Baroda Loan against Future Rent Receivable (Retail Segment)

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: Eligibility is based on ownership of a commercial property leased to a reputed lessee, minimum CIBIL 650 for an individual or minimum CMR-5 for a non-individual, assignment of future rent and repayment capacity?

Published source: Income eligibility

2Do you meet this requirement: Individual or non-individual owners of commercial property leased to reputed lessees may apply?

3Do you meet this requirement: Individuals need a minimum CIBIL score of 650?

4Do you meet this requirement: non-individuals need a minimum CMR-5 rating?

5Do you meet this product condition: Social-infrastructure property may be accepted with collateral in addition to the leased asset?

6Document checkDo you have this required document or proof: Duly filled and signed application form from applicant and guarantor?

Published source: Income eligibility

7Document checkDo you have this required document or proof: Form 135 for all applicants?

Published source: Income eligibility

8Document checkDo you have this required document or proof: Two passport-size photographs of applicant, co-applicant and guarantor?

Published source: Income eligibility

9Document checkDo you have this required document or proof: Bank-account statement for the last 12 months showing lease-rent credits?

Published source: Income eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 15 Aug 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.

Interest rateUp to 10 years: floating 10.15% or fixed 12.15% p.a.; above 10 years: floating 10.40% or fixed 12.40% p.a.; 25-basis-point concession for premises leased to Bank of Baroda.Effective 12 Sept 2026View source
The table publishes tenor bands and fixed/floating rates.
Source
Retail Loans Interest Rates
Page / section
Future Rent Receivables
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
Maximum tenureLonger repayment period up to 15 years.View source
The product page advertises a longer repayment period up to 15 years.
Source
Baroda Loan against Future Rent Receivable (Retail Segment) — official product page
Page / section
Benefits
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Loan typeSecured loan against investments, deposits or receivablesView source
The official product name identifies this as “Baroda Loan against Future Rent Receivable (Retail Segment)”.
Source
Baroda Loan against Future Rent Receivable (Retail Segment) — official product page
Page / section
Official product name and loan classification
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
TenureThe rate table distinguishes up to 10 years and above 10 years; the applicable tenure is based on the rent-receivable facility terms.View source
The official table publishes the two tenure bands but does not state a hard maximum in that table. This is the issuer-published maximumTenure value shown under the comparison field “Tenure”.
Source
Retail Loans Interest Rates
Page / section
Baroda Loan Against Future Rent Receivables — comparison field: Tenure
Accessed
21 Aug 2026
Confidence
medium
Open official source ↗
SecurityAssignment of future rent and mortgage of the leased property with 1.25× security cover; a debt-service reserve account and escrow account must be maintained with Bank of Baroda.View source
The features section states assignment, mortgage, 1.25× cover and the reserve/escrow accounts.
Source
Baroda Loan against Future Rent Receivable (Retail Segment)
Page / section
Features — Security and escrow
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Dropline overdraftDropline overdraft may be availed up to 10% of the total sanctioned limits.View source
The benefits section publishes the 10% dropline-overdraft allowance.
Source
Baroda Loan against Future Rent Receivable (Retail Segment)
Page / section
Benefits — Dropline overdraft
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Escrow charge₹10,000 per year for loan amounts up to ₹10 crore; ₹25,000 per year above ₹10 crore.View source
The official escrow-charge table publishes both amount bands.
Source
Baroda Loan against Future Rent Receivable (Retail Segment)
Page / section
Interest rates & charges — Escrow Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Fixed-rate optionFixed-rate option is available at 2 percentage points above the applicable floating rate.View source
The product page states that the fixed option is 2% above the applicable floating rate.
Source
Baroda Loan against Future Rent Receivable (Retail Segment)
Page / section
Features — Fixed interest option
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Income eligibilityNo minimum rent or income amount is published. Eligibility is based on ownership of a commercial property leased to a reputed lessee, minimum CIBIL 650 for an individual or minimum CMR-5 for a non-individual, assignment of future rent and repayment capacity.View source
The eligibility section gives property, lessee and credit-score conditions; it does not state a minimum rent or income figure.
Source
Baroda Loan against Future Rent Receivable (Retail Segment)
Page / section
Eligibility
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
BenchmarkBank of Baroda says BRLLR applies to all retail lending products. The current page lists BRLLR at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year MCLR at 8.75% effective 12 August 2026. Product-specific spreads, CIBIL pricing and scheme conditions determine the applicable rate.Effective 12 Aug 2026View source
The page states that was introduced for all retail lending products and gives the current , repo-plus-spread composition and reference. It does not state that one single spread applies to every product.
Source
Bank of Baroda Retail Loans Interest Rates
Page / section
benchmark; benchmark; retail loan rate tables
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Processing fee1.00% without cap, minimum ₹1,000; escrow ₹10,000 per year up to ₹10 crore and ₹25,000 per year above ₹10 crore.Effective 1 Apr 2025View source
The future-rent row publishes processing and escrow charges.
Source
Service Charges
Page / section
Future Rent Receivables
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureFixed-rate Future Rent Receivables up to ₹100 crore: own source nil for individuals and 1% for non-individuals; takeover 0.50% for individuals and 1.50% for non-individuals.Effective 1 Apr 2025View source
The future-rent schedule distinguishes individuals/non-individuals and own-source/takeover.
Source
Service Charges
Page / section
Pre-Payment — Future Rent Receivables
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
Maximum facility sizeThe service-charge schedule identifies the retail Future Rent Receivables facility as covering loans up to ₹100 crore; the product page does not publish a separate universal sanction cap.View source
The official schedule labels the facility as Future Rent Receivables up to ₹100 crore; this is recorded as published scope, not a guaranteed sanction amount.
Source
Bank of Baroda Service Charges — official page
Page / section
Baroda Loan Against Future Rent Receivables
Accessed
29 Aug 2026
Confidence
medium
Open official source ↗

Benefits and features

  • Borrow against future rent from a leased commercial property.
  • Use the funds for general or personal needs except -restricted or speculative activities.
  • Loans up to ₹100 crore.
  • A dropline overdraft of up to 10% of total limits is available.
  • Repayment can extend up to 15 years.
  • Owners of Bank of Baroda branch or office premises receive an additional 25-basis-point interest concession.

Eligibility

  • Individual or non-individual owners of commercial property leased to reputed lessees may apply.
  • Individuals need a minimum CIBIL score of 650; non-individuals need a minimum -5 rating.
  • Social-infrastructure property may be accepted with collateral in addition to the leased asset.
  • Purpose is general or personal needs, excluding -restricted activities and speculation.

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

Documents the bank lists

  • Duly filled and signed application form from applicant and guarantor.
  • Form 135 for all applicants.
  • Two passport-size photographs of applicant, co-applicant and guarantor.
  • Bank-account statement for the last 12 months showing lease-rent credits.
  • Personal identity proof: , Aadhaar, driving licence, passport or voter .
  • Residential address proof: electricity bill, landline telephone bill, voter or passport.
  • For takeover: existing term-loan account statement and sanction letter.
  • Non-individuals: memorandum and articles of association, certificate of incorporation, promoter/partner/guarantor Form 135, returns for the last 4 quarters, lessee profile and brief financials, and any documents specified by the panel advocate for title clearance.
  • Property papers: original ownership/title deeds, latest maintenance/water/municipal-tax receipts, society or development-authority permission where applicable, registered lease deed, Form 26AS, returns for the last 4 quarters and legal/title-clearance documents.

Related official documents

Bank of Baroda Retail Loans Interest Rates — current BRLLR and MCLR referencesofficial-interest-rate-page · current · accessed 29 Aug 2026
↗
Baroda Loan against Future Rent Receivable (Retail Segment) — official product pageofficial-product-page · current · accessed 29 Aug 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
↗
Retail Loans Interest Rates — current BRLLR/MCLR benchmarks and pre-owned auto rate rowsofficial-rate-page · Current official schedule manually rechecked 2026-09-27; dedicated product-page range and GCLI wording conflict with this schedule · accessed 27 Sept 2026
↗
Bank of Baroda Service Charges — official pageofficial-service-charge-page · current · accessed 29 Aug 2026
↗
Service Charges — retail loan rate-conversion and auto-loan prepayment scheduleofficial-service-charge-page · Current official service-charge page manually rechecked 2026-09-27; schedule itself identifies effective date 2025-04-01 · accessed 27 Sept 2026
↗

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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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· Published value7.90% = repo 5.25% + markup/base spread 2.65%

This value is copied from Bank of Baroda retail-lending benchmark reference. Check the table notes before relying on it.

Source: Bank of Baroda Retail Loans Interest Rates · benchmark; benchmark Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 3 rows · 4 columnsBank of Baroda retail-lending benchmark referenceCurrent benchmark values and effective dates from the official retail-loans rate page.View tableHide table

Scroll sideways to view every column

Bank of Baroda retail-lending benchmark reference
ReferencePublished valueEffective dateUse
7.90% = repo 5.25% + markup/base spread 2.65%6 December 2025Benchmark for retail lending; product-specific spread and risk pricing still apply.
1-year 8.75%12 August 2026Reference used by products or fixed/legacy pricing that expressly links to .
Base rate9.45%12 May 2025Reference where a product's published terms expressly use Base Rate.
  • The page says covers retail lending products but also shows product-specific spread tables; the benchmark is not itself the final customer rate.
Bank of Baroda Retail Loans Interest Rates · benchmark; benchmark · effective 12 Aug 2026 · accessed 29 Aug 2026Open official source ↗
Table 2 · 7 rows · 4 columnsFuture Rent Receivable — rate and charge tableComplete rate and charge rows from the current retail Future Rent Receivable page.View tableHide table

Scroll sideways to view every column

Future Rent Receivable — rate and charge table
Band / itemFloating rate or chargeFixed rate or chargeEffective detail
Up to 10 years + Strategic Premium + 2.00% + Strategic Premium + 4.00%Effective floating 10.15%; effective fixed 12.15%
Above 10 years + Strategic Premium + 2.25% + Strategic Premium + 4.25%Effective floating 10.40%; effective fixed 12.40%
Processing chargeOne-time; minimum ₹1,000 and maximum 1% of loan amount—Subject to change
Escrow up to ₹10 crore₹10,000 per year—Escrow charge
Escrow above ₹10 crore₹25,000 per year—Escrow charge
Prepayment — individualNil for own-source; 0.50% for takeover by another lender—Percent of outstanding amount
Prepayment — non-individual1% for own-source; 1.50% for takeover by another lender—Percent of outstanding amount
  • A 25-basis-point concession applies to owners of Bank of Baroda branch/office premises leased to the bank.
Baroda Loan against Future Rent Receivable (Retail Segment) · Interest rates & charges — rate, processing, escrow and prepayment tables · accessed 30 Aug 2026Open official source ↗

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