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Baroda Max Savings Home Loan

A home loan linked to a Bank of Baroda savings account: end-of-day account balances reduce the balance used to calculate home-loan interest, while the linked savings account itself earns no interest.

Interest rateFloating: 7.20%–8.95% p.a. up to ₹75 lakh and 7.45%–9.20% p.a. above ₹75 lakh, calculated from BRLLR 7.90% and the published spreads. Fixed spreads are BRLLR +1.00% to +2.30%, varying by loan band and salaried status; see the full rate table.Maximum loan amountBy location: Mumbai ₹20 crore; Hyderabad, New Delhi and Bengaluru ₹7.50 crore; other metros and Chandigarh–Panchkula–Mohali ₹5 crore; urban ₹3 crore; semi-urban/rural ₹1 crore. Subject to repayment capacity and LTV/margin rules.Repayment tenureUp to 30 years including a maximum 36-month moratorium. For under-construction homes through the 7th floor, the stated moratorium is 18 months, then 6 additional months per floor, capped at 36 months.
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Quick eligibility check

Baroda Max Savings Home Loan

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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.

1Does your annual income meet this requirement: For NRI/PIO/OCI applicants whose income is counted, combined gross annual income must be at least ₹5 lakh?

Published source: Minimum income

2Does your annual income meet this requirement: The page does not state one resident-applicant minimum salary?

Published source: Minimum income

3Do you meet this requirement: residents are assessed using the published repayment-capacity bands?

Published source: Minimum income

4Are you this type of customer: Resident Indians and eligible NRIs, PIOs and OCIs?

Published source: Eligibility

5Do you meet this requirement: individual applicants may apply singly or jointly, but HUFs are not eligible?

Published source: Eligibility

6Document checkDo you have this required document or proof: The current Max Savings page links to a Home Loan checklist PDF, but that exact official link timed out on 23 September 2026; its detailed checklist contents remain unresolved?

Published source: Eligibility

7Document checkDo you have this required document or proof: The current download-forms listing includes the Home Loan application and generic retail-loan documents. These listing entries do not establish a complete Max Savings-specific document checklist?

Published source: Eligibility
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 23 Sept 2026 · active
Offered byBank of Baroda

India; eligibility, branch and channel availability follow the official product terms

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeHome loan linked to a Bank of Baroda savings account, where each end-of-day credit balance reduces the amount on which home-loan interest is calculated.View source
The sanctioned loan is linked with a savings account; end-of-day account credit is counted against the linked home-loan account for interest reduction.
Source
Baroda Max Savings Home Loan
Page / section
Product overview and Features
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Interest offsetThe daily end-of-day balance in the linked savings account reduces the home-loan balance used for interest calculation; the linked savings account itself earns 0% interest.View source
Any credit in the linked savings account at the end of the day reduces the interest-bearing home-loan balance to the extent of that credit; the linked savings account rate is zero.
Source
Baroda Max Savings Home Loan
Page / section
Overview and Features
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
EMI recoveryThe borrower deposits the monthly instalment into the linked savings account; the product page lists automatic EMI recovery.View source
The borrower remits into the linked savings account and the feature list states automatic recovery .
Source
Baroda Max Savings Home Loan
Page / section
Overview and Benefits
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Interest rateFloating: 7.20%–8.95% p.a. up to ₹75 lakh and 7.45%–9.20% p.a. above ₹75 lakh, calculated from BRLLR 7.90% and the published spreads. Fixed spreads are BRLLR +1.00% to +2.30%, varying by loan band and salaried status; see the full rate table.Effective 6 Dec 2025View source
The current page gives 7.90%, floating spreads −0.70% to +1.05% up to ₹75 lakh and −0.45% to +1.30% above ₹75 lakh; effective widgets show 0.00% and are not valid rates. Endpoints are calculated by adding the spreads.
Source
Retail Loans Interest Rates — and Max Savings Home Loan rows
Page / section
effective 6 December 2025; Home Loan floating and fixed spread tables and footnotes
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Rate benchmarkBank of Baroda Repo Linked Lending Rate (BRLLR), 7.90% p.a. effective 6 December 2025; the Bank's page says pricing also depends on loan limit and CIBIL score.Effective 6 Dec 2025View source
Retail loans applicable is 7.90% effective 6 December 2025; repo 5.25% plus markup/base spread 2.65%.
Source
Retail Loans Interest Rates — current
Page / section
heading and Max Savings rate notes
Accessed
23 Sept 2026
Confidence
high
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Rate conditionsPricing depends on loan limit and CIBIL score. A 0.05% risk premium applies when the borrower does not obtain credit-insurance cover. The Bank says its concessions apply to floating-rate facilities only.Effective 6 Dec 2025View source
Rate depends on loan limit and score; 0.05% risk premium without credit insurance; Bank concessions apply to floating-rate facilities only.
Source
Retail Loans Interest Rates — applicable Home Loan notes
Page / section
Home Loan floating/fixed footnotes
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Maximum loan amountBy location: Mumbai ₹20 crore; Hyderabad, New Delhi and Bengaluru ₹7.50 crore; other metros and Chandigarh–Panchkula–Mohali ₹5 crore; urban ₹3 crore; semi-urban/rural ₹1 crore. Subject to repayment capacity and LTV/margin rules.View source
Maximums are stated for Mumbai, other metros, Hyderabad/New Delhi/Bengaluru, urban, semi-urban/rural and Chandigarh tri-city, subject to income, repayment capacity and /margin.
Source
Baroda Max Savings Home Loan
Page / section
— Maximum Limit
Accessed
23 Sept 2026
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high
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Minimum incomeFor NRI/PIO/OCI applicants whose income is counted, combined gross annual income must be at least ₹5 lakh. The page does not state one resident-applicant minimum salary; residents are assessed using the published repayment-capacity bands.View source
The page requires combined gross annual income equivalent to ₹5 lakh for counted // applicants and separately provides resident repayment-capacity percentages, not a fixed resident income threshold.
Source
Baroda Max Savings Home Loan
Page / section
— // eligibility and repayment capacity
Accessed
23 Sept 2026
Confidence
high
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Repayment tenureUp to 30 years including a maximum 36-month moratorium. For under-construction homes through the 7th floor, the stated moratorium is 18 months, then 6 additional months per floor, capped at 36 months.View source
Maximum initial period 30 years includes a moratorium up to 36 months; 18 months up to seventh floor with 6 more months per additional floor to 36 months.
Source
Baroda Max Savings Home Loan
Page / section
— Repayment Period and Repayment
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
EligibilityResident Indians and eligible NRIs, PIOs and OCIs; individual applicants may apply singly or jointly, but HUFs are not eligible. Resident counted-income applicants need 1 year of salaried employment or 2 years in business/profession (up to 3 months' service break). Counted-income NRI/PIO/OCI applicants need 2 years' qualifying overseas work/business residence and combined gross annual income of ₹5 lakh. Borrower age starts at 21; co-applicant at 18; age may be considered up to 70. Close relatives may co-apply; a non-relative must be a joint property owner.View source
The full published eligibility rules distinguish resident and overseas applicants, income-counted applicants, // criteria, exclusion, age and property co-ownership for non-relatives.
Source
Baroda Max Savings Home Loan
Page / section
Eligibility and — Target Group; borrower; resident and //; co-applicants; age
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Repayment capacityTotal deductions including proposed EMI are capped at 40%–75% of net monthly income for salaried applicants, depending on income band. For other applicants, the cap is 70% of average net annual income up to ₹6 lakh and 80% above ₹6 lakh.View source
Total deductions including proposed must not exceed the listed income-based ceilings: five salaried net monthly-income bands and two other-applicant average net annual-income bands.
Source
Baroda Max Savings Home Loan
Page / section
— Repayment Capacity
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Margin and LTVPublished FAQ LTV: 90% for loans up to ₹30 lakh; 80% above ₹30 lakh up to ₹75 lakh; 75% above ₹75 lakh. The linked MITC says margin/LTV norms are the same as regular Baroda Home Loans.View source
gives 90%, 80% and 75% at the stated loan bands; points to regular Baroda Home Loan margin/ norms.
Source
Baroda Max Savings Home Loan
Page / section
— ; — Margin Norms & Loan to Value Ratio
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNil pre-closure charges are stated for this Max Savings Home Loan. The separate current fixed-rate tariff for retail loans distinguishes own-source prepayment (nil) from takeover by another lender (0.50% of outstanding); the page does not resolve how that separate row applies to this product/borrower.View source
The Max Savings page states 'Nil' under pre-closure. Current fixed-rate tariff has separate own-source and lender-takeover treatment; do not collapse the tariff row into the product page statement.
Source
Baroda Max Savings Home Loan and current service-charge schedule
Page / section
— Pre-Closure Charges; current service-charge fixed-rate retail prepayment row
Accessed
23 Sept 2026
Confidence
medium
Open official source ↗
Work-history conditionCounted-income resident applicants need at least 1 year of salaried employment or 2 years in business/profession; a break in service up to 3 months may be allowed. Counted-income NRI/PIO/OCI applicants need qualifying overseas employment under a valid contract/work permit for at least 2 years, or employment/self-employment/business and residence abroad for at least 2 years.View source
The page gives separate minimum employment/business duration, service-break allowance and overseas applicant tenure/residency criteria.
Source
Baroda Max Savings Home Loan
Page / section
— Resident Indian and // eligibility
Accessed
23 Sept 2026
Confidence
high
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Security and repaymentPrimary security is a mortgage over the property purchased or constructed. If mortgage is not feasible, the Bank may at its discretion accept other listed collateral. Repayment is by monthly instalments; farmers/agriculturists may be allowed half-yearly instalments aligned with harvest/marketing, and moratorium-period interest is recovered when debited.View source
The page specifies mortgage security, discretionary alternate forms, monthly repayment, possible half-yearly agriculturist repayment and recovery of interest as debited during moratorium.
Source
Baroda Max Savings Home Loan
Page / section
— Security and Repayment
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Optional group credit-life coverOptional group credit-life cover is offered through IndiaFirst Life. It is borrower-paid; a one-time premium depends on borrower age, loan amount, interest rate and tenure. At the borrower's request it may be financed and repaid through EMIs subject to LTV. On foreclosure, the insurer may refund part of the premium; exact cover and refund follow the policy schedule.View source
Page calls it optional; one-time premium varies with age/loan/rate/tenure, may be funded within , cover is paid as scheduled, and a portion of premium may be refunded on foreclosure.
Source
Baroda Max Savings Home Loan
Page / section
— Group Credit Life Insurance Cover
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Linked account structureThe sanctioned home loan is linked to a Bank of Baroda savings account. Each end-of-day credit balance in that account is counted against the linked home-loan account for interest reduction.View source
A sanctioned loan is linked with a savings bank account; end-of-day credit in that account counts against the linked home loan for interest reduction.
Source
Baroda Max Savings Home Loan
Page / section
Overview and Features
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Linked savings-account interest0% interest is paid on the linked savings-bank account balance; its benefit is the reduction in the loan balance used to calculate home-loan interest.View source
The rate applicable on the linked savings-bank account is zero; end-of-day balance reduces interest on the linked home loan.
Source
Baroda Max Savings Home Loan
Page / section
Features
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Product benefitsAutomatic EMI recovery; interest benefit from the linked savings balance; use of idle funds; linked savings account; lower effective interest; optional life insurance; savings-account rate of 0%.View source
The Bank lists automatic recovery, interest benefit, best use of idle funds, linked savings account, lower effective interest, optional life insurance and zero savings-account interest.
Source
Baroda Max Savings Home Loan
Page / section
Benefits
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Eligible applicantsResident Indians; NRIs holding Indian passports; PIOs holding foreign passports; and OCIs. The MITC also includes Bank staff availing under a public scheme.View source
Target group lists residents, qualifying , , and Bank staff under public scheme.
Source
Baroda Max Savings Home Loan
Page / section
Eligibility; — Target Group
Accessed
23 Sept 2026
Confidence
high
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Permitted purposesPurchase or construction of a house/flat; purchase of a residential plot; purchase of a residential plot with house construction; takeover from another bank, HFC, NBFC or financial institution; extension/additional construction; or reimbursement of house/flat construction expenses paid from own sources.View source
The product page lists six permitted use cases; the residential-plot row is marked with an asterisk but no corresponding footnote was rendered in the reviewed page text.
Source
Baroda Max Savings Home Loan
Page / section
Purpose
Accessed
23 Sept 2026
Confidence
high
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Floating rate spread up to ₹75 lakhUp to ₹75 lakh: BRLLR −0.70% to BRLLR +1.05% for salaried and non-salaried applicants.Effective 6 Dec 2025View source
Both salaried and non-salaried rows publish −0.70% to +1.05% up to ₹75 lakh.
Source
Retail Loans Interest Rates — Max Savings floating bands
Page / section
Home Loan floating rate — up to ₹75 lakh
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Floating rate spread above ₹75 lakhAbove ₹75 lakh: BRLLR −0.45% to BRLLR +1.30% for salaried and non-salaried applicants.Effective 6 Dec 2025View source
Both salaried and non-salaried rows publish −0.45% to +1.30% above ₹75 lakh.
Source
Retail Loans Interest Rates — Max Savings floating bands
Page / section
Home Loan floating rate — above ₹75 lakh
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Fixed rate spread up to ₹75 lakhUp to ₹75 lakh: BRLLR +1.00% to +2.05% for salaried applicants; BRLLR +1.10% to +2.05% for non-salaried applicants.Effective 6 Dec 2025View source
Salaried and non-salaried rows publish distinct lower fixed spreads up to ₹75 lakh.
Source
Retail Loans Interest Rates — Max Savings fixed bands
Page / section
Home Loan fixed rate — up to ₹75 lakh
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Fixed rate spread above ₹75 lakhAbove ₹75 lakh: BRLLR +1.25% to +2.30% for salaried applicants; BRLLR +1.35% to +2.30% for non-salaried applicants.Effective 6 Dec 2025View source
Salaried and non-salaried rows publish distinct lower fixed spreads above ₹75 lakh.
Source
Retail Loans Interest Rates — Max Savings fixed bands
Page / section
Home Loan fixed rate — above ₹75 lakh
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Rate conditionsInterest pricing depends on loan limit and the applicant's CIBIL score; an additional 0.05% risk premium applies if the applicant does not obtain credit-insurance cover. The Bank states concessions apply to floating-rate facilities only.Effective 6 Dec 2025View source
Rate depends on loan limit and score; uninsured borrowers incur 0.05% risk premium; concessions are stated for floating-rate only.
Source
Retail Loans Interest Rates — Home Loan pricing notes
Page / section
Floating and fixed-rate footnotes
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Linked savings account useThe borrower may deposit savings into the linked Bank of Baroda account; end-of-day balances provide the loan-interest offset. The product page does not say that this balance earns savings interest; it explicitly states the linked-account rate is 0%.View source
Borrowers may keep savings in the linked account for maximum home-loan interest benefit; linked savings-account interest is zero.
Source
Baroda Max Savings Home Loan
Page / section
Overview and Features
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Document checklist statusThe product page links to a Home Loan checklist PDF that timed out on review. The current download-forms listing shows a Home Loan application form and generic retail-loan documents, but the Max Savings checklist itself is not readable from the linked source.View source
The exact linked checklist timed out; current generic forms listing does not reveal the entire product checklist.
Source
Home Loan checklist linked by Max Savings product page
Page / section
Documents Required link; current download-forms list
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
NRI, PIO and OCI eligibility definitionsThe Bank's PIO definition covers citizens other than Bangladesh, Pakistan, Sri Lanka, Afghanistan, China, Iran, Nepal and Bhutan who previously held an Indian passport; whose parent or grandparent was an Indian citizen under the stated law; or who are the spouse of an Indian citizen or qualifying person. Its OCI section requires OCI registration and PIO status under the page's description, lists ancestry/territory eligibility paths and minor children, and excludes a person who has ever been a citizen of Pakistan or Bangladesh. These are the Bank page's stated definitions, not independent legal advice.View source
The Bank page specifies and eligibility pathways, ancestry criteria and listed citizenship exclusions.
Source
Baroda Max Savings Home Loan
Page / section
— Person of Indian Origin and Overseas Citizens of India definitions
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Co-applicant rulesClose relatives may join as co-applicants for higher eligibility. A non-close-relative may be considered only if they jointly own the property; in that case, another close relative who is not a joint owner should not be added to raise eligibility. The Bank's listed close relatives are spouse; father; mother (including stepmother); son (including stepson); son's wife; daughter (including stepdaughter); daughter's husband; brother/sister (including stepsiblings); brother's wife; spouse's sister (including stepsister); sister's husband; and spouse's brother (including stepbrother).View source
The page provides the close-relative list and a separate restriction for non-relative joint owners.
Source
Baroda Max Savings Home Loan
Page / section
— Co-Applicants and List of Close Relatives; — Who Can Be Co Applicant
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Sales/marketing disclosureBank of Baroda states that it may use agents for product sales and marketing.View source
The page says the Bank may use agents for sales/marketing of its products or services.
Source
Baroda Max Savings Home Loan
Page / section
Product-page disclosure
Accessed
23 Sept 2026
Confidence
high
Open official source ↗
Tax-related FAQ (Bank page statement)The page FAQ states that home-loan interest paid during the year may be claimed up to ₹2 lakh under section 24 and principal repayment up to ₹1.50 lakh under section 80C. The page does not specify tax year/regime eligibility; verify current tax law before relying on these figures.View source
page statement: interest up to ₹2 lakh under section 24 and principal up to ₹1.50 lakh under section 80C; applicability may depend on current law/tax regime, not stated in this product .
Source
Baroda Max Savings Home Loan
Page / section
— How Much Tax Can Be Saved On Home Loan?
Accessed
23 Sept 2026
Confidence
medium
Open official source ↗
Rate-conversion chargeWhen a borrower opts to switch the rate of interest, the Bank's Home Loan & Mortgage Loan tariff lists 0.10% of the outstanding balance plus any undisbursed portion, with a minimum ₹10,000 and maximum ₹1,00,000 per account for each conversion. Linked Top Up, Suvidha Personal Loan and Home Improvement Loan balances are clubbed for the minimum and maximum charge.View source
The charge applies whenever the borrower opts to switch : 0.10% on outstanding balance plus undisbursed portion, if any; minimum ₹10,000 and maximum ₹1.00 lakh per account at each conversion. The following sentence clubs specified linked loan balances when deciding the cap.
Source
Service Charges — Home Loan rate-conversion charges
Page / section
Conversion Charges — Home Loan & Mortgage Loan; linked-account aggregation
Accessed
23 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Daily end-of-day balance in the linked savings account reduces the home-loan balance used for interest calculation; the linked savings account pays 0% interest.
  • The borrower deposits into the linked account; the page describes automatic recovery and use of otherwise idle funds.
  • Floating-rate bands are linked to . At the published 7.90% , the listed floating spreads calculate to 7.20%–9.20% p.a. depending on loan size and borrower pricing.
  • Optional group credit-life insurance is available to home-loan borrowers; it is borrower-paid and may be financed subject to eligibility and rules.

Eligibility

  • The scheme is for resident Indians and eligible holding Indian passports, holding foreign passports, and ; the also identifies Bank staff availing under a public scheme.
  • Applicants may apply singly or jointly; are excluded. Resident income-counted applicants need at least 1 year in salaried employment or 2 years in business/profession; up to a 3-month service break may be allowed.
  • For an // whose income is counted, the page requires at least 2 years of eligible overseas employment/business residence and combined counted gross annual income of at least ₹5 lakh.
  • Borrower minimum age is 21 years; co-applicant minimum age is 18 years. The says maximum age may be considered up to 70 years; the standard Home Loan page has a conflicting age-at-maturity/retirement , which is not silently imported as a Max Savings-specific rule.
  • Close relatives may join as co-applicants. A non-relative may be considered only if they are a joint owner of the financed property; the page imposes an additional restriction where another close relative is not a joint owner.
  • Resident applicants have published repayment-capacity limits by net monthly income; this is not a fixed rupee minimum-income threshold.

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

Documents the bank lists

  • The current Max Savings page links to a Home Loan checklist , but that exact official link timed out on 23 September 2026; its detailed checklist contents remain unresolved.
  • The current download-forms listing includes the Home Loan application and generic retail-loan documents. These listing entries do not establish a complete Max Savings-specific document checklist.

Related official documents

Baroda Max Savings Home Loan product pageproduct-page · current · accessed 21 Aug 2026
↗
Home Loan document checklist — current product-page link retryofficial-linked-pdf · inaccessible now; existing linked checklist is 2018-dated and current applicability is not reconfirmed · accessed 23 Sept 2026
↗
Download Forms — Home Loan application and common retail loan documentsofficial-download-forms-page · current document-centre listing; generic linked documents do not replace the unavailable product checklist · accessed 23 Sept 2026
↗
Baroda Home Loan — current official product page reviewofficial-product-page · current page reviewed; internal FAQ conflicts retained explicitly · 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
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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
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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
↗
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
↗
Baroda Max Savings Home Loan — current official product page reviewofficial-product-page · current product page reviewed; checklist, fee display, APR and page-artwork inspection remain explicitly unresolved · accessed 23 Sept 2026
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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
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Bank of Baroda service charges — fixed-rate retail prepayment and two-wheeler rulesofficial-service-charge-page · current · accessed 29 Aug 2026
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Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
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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
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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
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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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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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Linked account · Published ruleHome Loan is linked to a Bank of Baroda savings account

This value is copied from Baroda Max Savings Home Loan — linked savings account mechanics. Check the table notes before relying on it.

Source: Baroda Max Savings Home Loan · Overview; Benefits; Features Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 5 rows · 2 columnsBaroda Max Savings Home Loan — linked savings account mechanicsProduct-specific offset and payment mechanics published by Bank of Baroda.View tableHide table

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Baroda Max Savings Home Loan — linked savings account mechanics
FeaturePublished rule
Linked accountHome Loan is linked to a Bank of Baroda savings account
Interest on linked savings0% interest on the linked savings-bank balance
Interest offsetEnd-of-day credit balance is counted against the linked loan for interest reduction
Use of fundsBorrower may keep savings in the linked account to increase the interest benefit
Borrower remits the into the linked savings account; benefits list automatic recovery
  • This is a linked-account interest-offset arrangement, not a savings-account interest payment or an automatic reduction of principal unless separately applied under the account rules.
Baroda Max Savings Home Loan · Overview; Benefits; Features · accessed 23 Sept 2026Open official source ↗
Table 2 · 4 rows · 4 columnsBaroda Max Savings Home Loan — floating-rate bandsOfficial BRLLR spreads; effective-rate endpoints are calculated at the published BRLLR and are not the page's defective 0.00% widgets.View tableHide table

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Baroda Max Savings Home Loan — floating-rate bands
Loan amountApplicantPublished spreadCalculated rate at 7.90%
Up to ₹75 lakhSalaried −0.70% to +1.05%7.20%–8.95% p.a.
Up to ₹75 lakhNon-salaried −0.70% to +1.05%7.20%–8.95% p.a.
Above ₹75 lakhSalaried −0.45% to +1.30%7.45%–9.20% p.a.
Above ₹75 lakhNon-salaried −0.45% to +1.30%7.45%–9.20% p.a.
  • says pricing depends on loan limit and score.
  • A 0.05% risk premium applies when credit insurance is not obtained.
  • The official rate page currently renders each effective-rate widget as 0.00%; this is inconsistent with the spread and not treated as the borrower rate.
Retail Loans Interest Rates — and Max Savings Home Loan floating rows · effective 6 December 2025; Home Loan floating-rate table and footnotes · effective 6 Dec 2025 · accessed 23 Sept 2026Open official source ↗
Table 3 · 4 rows · 4 columnsBaroda Max Savings Home Loan — fixed-rate spreadsPublished BRLLR spreads by loan band and applicant type; equivalent rates are calculated using BRLLR 7.90%.View tableHide table

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Baroda Max Savings Home Loan — fixed-rate spreads
Loan amountApplicantPublished spreadCalculated rate at 7.90%
Up to ₹75 lakhSalaried +1.00% to +2.05%8.90%–9.95% p.a.
Up to ₹75 lakhNon-salaried +1.10% to +2.05%9.00%–9.95% p.a.
Above ₹75 lakhSalaried +1.25% to +2.30%9.15%–10.20% p.a.
Above ₹75 lakhNon-salaried +1.35% to +2.30%9.25%–10.20% p.a.
  • Fixed-rate spread rows retain the page's salaried/non-salaried distinction.
  • Rate depends on loan limit and score; the page's 0.00% effective-rate widgets are excluded as invalid.
Retail Loans Interest Rates — and Max Savings Home Loan fixed rows · effective 6 December 2025; Home Loan fixed-rate table and footnotes · effective 6 Dec 2025 · accessed 23 Sept 2026Open official source ↗
Table 4 · 6 rows · 2 columnsBaroda Max Savings Home Loan — location-based maximum amountsMaximum scheme amounts shown in the Max Savings MITC, subject to income, repayment capacity and LTV/margin norms.View tableHide table

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Baroda Max Savings Home Loan — location-based maximum amounts
LocationMaximum loan
Mumbai₹20 crore
Hyderabad, New Delhi and Bengaluru₹7.50 crore
Other metros₹5 crore
Chandigarh tri-city (Chandigarh, Panchkula and Mohali)₹5 crore
Urban areas₹3 crore
Semi-urban and rural areas₹1 crore
  • Subject to applicant/co-applicant income, repayment capacity and applicable margin/.
  • The ₹10 crore per-unit conflict found on the standard Baroda Home Loan page was not found on this Max Savings page and is not imported here.
Baroda Max Savings Home Loan · — Maximum Limit · accessed 23 Sept 2026Open official source ↗
Table 5 · 7 rows · 3 columnsBaroda Max Savings Home Loan — repayment-capacity limitsMaximum share of income that may be consumed by total deductions including the proposed EMI.View tableHide table

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Baroda Max Savings Home Loan — repayment-capacity limits
Applicant income bandIncome basisMaximum deductions including proposed
Below ₹25,000Salaried net monthly income40%
₹25,000 to below ₹50,000Salaried net monthly income60%
₹50,000 to below ₹1,00,000Salaried net monthly income65%
₹1,00,000 to below ₹2,00,000Salaried net monthly income70%
₹2,00,000 and aboveSalaried net monthly income75%
Up to ₹6,00,000Other applicants' average net annual income over the last 2 years70%
Above ₹6,00,000Other applicants' average net annual income over the last 2 years80%
  • These are repayment-capacity ratios, not a minimum salary or income threshold.
  • The proposed is included in total deductions.
Baroda Max Savings Home Loan · — Repayment Capacity · accessed 23 Sept 2026Open official source ↗
Table 6 · 3 rows · 3 columnsBaroda Max Savings Home Loan — margin/LTV bandsThe Max Savings FAQ publishes LTV bands; the MITC refers to regular Baroda Home Loan margin/LTV norms.View tableHide table

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Baroda Max Savings Home Loan — margin/LTV bands
Loan amountMaximum Minimum own margin implied
Up to ₹30 lakh90%10%
Above ₹30 lakh up to ₹75 lakh80%20%
Above ₹75 lakh75%25%
  • Margin percentages are arithmetic complements of the explicitly published ratios, not separate quoted margin values.
  • The page says 'same as Regular Baroda Home Loans' for margin/ norms.
Baroda Max Savings Home Loan · — ; — Margin Norms & Loan to Value () Ratio · accessed 23 Sept 2026Open official source ↗
Table 7 · 11 rows · 2 columnsBaroda Max Savings Home Loan — borrower eligibilityPublished applicant, work-history, income and co-applicant conditions.View tableHide table

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Baroda Max Savings Home Loan — borrower eligibility
Applicant / conditionPublished rule
Target groupResident Indians; holding Indian passports; holding foreign passports; ; Bank staff under public scheme
Borrower structureIndividuals singly or jointly; are not eligible
Resident salaried applicant whose income is countedAt least 1 year employed/engaged; service break may be up to 3 months
Resident non-salaried applicant whose income is countedAt least 2 years engaged in business/profession
Counted-income //Qualifying overseas job with valid job contract/work permit for at least 2 years, or employed/self-employed/business and staying abroad for at least 2 years
Counted-income // incomeCombined gross annual income of applicant/co-applicants whose income is counted: minimum ₹5 lakh
Borrower/co-applicant agesBorrower at least 21 years; co-applicant at least 18 years; maximum age may be considered up to 70 years
Close-relative co-applicantMay be added for higher eligibility; page lists spouse, parents, children, siblings and specified in-laws/step-relatives
Non-relative co-applicantMay be considered only when a joint owner of the property; an additional restriction applies where another close relative is not a joint owner
citizenship exclusionsPage excludes citizens of Bangladesh, Pakistan, Sri Lanka, Afghanistan, China, Iran, Nepal and Bhutan from its definition
exclusionsPage states a person who has ever been a citizen of Pakistan or Bangladesh is not eligible for registration under the stated rule
  • The full close-relative relationship list appears in the and ; see eligibility details on this page.
  • The site also contains a separate standard Home Loan age ; it was not used to overwrite this Max Savings-specific age statement.
Baroda Max Savings Home Loan · Eligibility; — Target Group, Resident Indian, //, co-applicants and age · accessed 23 Sept 2026Open official source ↗
Table 8 · 12 rows · 2 columnsBaroda Max Savings Home Loan — purpose and repayment termsPurpose, loan duration, construction moratorium, security and repayment options stated for Max Savings.View tableHide table

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Baroda Max Savings Home Loan — purpose and repayment terms
ParameterPublished detail
House/flatPurchase or construction
Residential plotPurchase of a residential plot; purchase of plot with construction
TransferTakeover from another bank, , or financial institution
Existing propertyExtension or additional construction
ReimbursementConstruction expenses paid from own sources may be reimbursed
Maximum period30 years initially, including moratorium
MoratoriumMaximum 36 months; 18 months for under-construction houses/buildings up to seventh floor, then 6 months per additional floor, subject to the 36-month cap
RepaymentMonthly ; farmers/agriculturists may be allowed half-yearly instalments aligned with harvest/marketing
Moratorium interestRecovered as and when debited
Primary securityMortgage of purchased/constructed property
Alternative securityIf mortgage is not feasible, the Bank may at its discretion accept insurance policies, government promissory notes, shares/debentures, gold ornaments and similar listed security
Pre-closureMax Savings states nil; separate current fixed-rate tariff distinguishes own-source and lender takeover, whose applicability is not resolved by that product-page statement
Baroda Max Savings Home Loan · Purpose; — Repayment Period, Security, Repayment and Pre-Closure Charges · accessed 23 Sept 2026Open official source ↗
Table 9 · 7 rows · 2 columnsBaroda Max Savings Home Loan — optional group credit-life coverThe Max Savings MITC describes the optional Home Loan group life-cover arrangement and its stated financing/refund conditions.View tableHide table

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Baroda Max Savings Home Loan — optional group credit-life cover
FeaturePublished term
Provider relationshipBank of Baroda states a tie-up with IndiaFirst Life Insurance Co.; its page says the borrower may choose an insurance provider through the branch
Optionality and costOptional; premium is at borrower cost
Covered eventGroup insurance protects against the borrower's death; insurer pays the outstanding cover as per schedule/settled claim
Premium basisOne-time premium depends on borrower age, loan amount, interest rate and tenure; no product premium is published
FundingMay be funded with the loan at borrower request and repaid through , subject to borrower eligibility and norms
ForeclosureInsurer may refund a portion of premium; amount and conditions are not given on the Bank page and follow policy terms
Risk premium if no credit insuranceSeparate rate schedule says 0.05% risk premium when credit insurance cover is not obtained
Baroda Max Savings Home Loan · — Group Credit Life Insurance Cover; rate footnote cross-reference · accessed 23 Sept 2026Open official source ↗
Table 10 · 4 rows · 3 columnsMax Savings Home Loan processing-charge evidence and conflictCurrent schedule rendering and older official fee wording are retained without selecting an unconfirmed current decimal value.View tableHide table

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Max Savings Home Loan processing-charge evidence and conflict
Source / itemPublished textStatus for Max Savings
Current Service Charges schedule, effective 1 April 2025Up to ₹50 lakh: '50%', minimum ₹8,500, maximum ₹15,000; above ₹50 lakh: '25%', minimum ₹8,500, maximum ₹25,000; takeover ₹8,500; extraApplies to all Home Loan variants, but decimal point is missing in displayed percentage; unresolved
Official processing-fee explainer/older scheduleUp to ₹50 lakh: 0.50%; above ₹50 lakh: 0.25%; same minimum/maximum caps; takeover ₹8,500Official but underlying tariff is dated 2019; corroborates likely decimal interpretation, not sufficient to resolve newer schedule
Top Up Loan row0.35%, minimum ₹5,000, maximum ₹12,500Not this product; excluded
Yoddha Home Loan rowNil processing charge plus ₹8,500 out-of-pocket per propertyNot this product; excluded
  • Public comparison value remains blank until Bank of Baroda confirms the current decimal placement or publishes a corrected schedule.
Service Charges — Home Loan processing charges and official conflicting references · Home Loan all variants processing charge; compared with official explainer and 2019 tariff · effective 1 Apr 2025 · accessed 23 Sept 2026Open official source ↗
Table 11 · 1 row · 6 columnsBaroda Max Savings Home Loan — rate-conversion chargeThe current Bank service-charge page lists a general Home Loan and Mortgage Loan conversion charge. This is separate from processing and prepayment charges.View tableHide table

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Baroda Max Savings Home Loan — rate-conversion charge
Charge scopeCharge baseRateMinimumMaximumHow linked accounts are treated
Home Loan & Mortgage LoanOutstanding balance plus any undisbursed portion0.10%₹10,000₹1,00,000Per account each time the borrower switches ; specified linked Top Up, Suvidha Personal Loan and Home Improvement Loan balances are clubbed to determine minimum/maximum
  • The page expressly says the charge applies whenever the borrower opts for switching of .
  • The Home Loan conversion row does not print a separate effective date or note; neither is inferred here.
  • The tariff is a general Home Loan row, not a Max Savings-specific rate-conversion concession or separate account cap.
Service Charges — current Home Loan conversion charges · Conversion Charges — Home Loan & Mortgage Loan; linked account aggregation · accessed 23 Sept 2026Open official source ↗
Table 12 · 3 rows · 4 columnsMax Savings Home Loan — MCLR-linked schedule still listed by the Bank (confirm applicability)The current retail-rate page retains an MCLR schedule labelled effective 1 April 2016, separately from the newer BRLLR retail-rate table. It is recorded as published reference material, not represented as the current rate for a new sanction.View tableHide table

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Max Savings Home Loan — MCLR-linked schedule still listed by the Bank (confirm applicability)
Published scopeLoan amount-linked ruleAdditional published condition
Baroda Max Savings Home Loan, sectionUp to ₹75 lakhNormal Home Loan rateThe section says retail loans are linked to 1-year from 1 April 2016; exact Max Savings risk-rated rate is not stated in this row
Baroda Max Savings Home Loan, sectionAbove ₹75 lakh0.25% over Normal Home Loan rateThe section says retail loans are linked to 1-year from 1 April 2016; exact Max Savings risk-rated rate is not stated in this row
All Home Loan variants, including Top Up LoansAll bandsAdditional risk premium of 0.05% over the applicable interest rateThe Bank says it may waive this premium as an incentive when credit insurance covers the full loan tenure
  • The rate page separately publishes a current schedule, says borrowers seeking conversion from to should contact their base branch, and labels this section effective from 1 April 2016.
  • Do not add 0.25% to today's 1-year or present the result as an available/current Max Savings quote: the row says 'Normal Home Loan rate' and current applicability for new sanctions is not confirmed.
  • For the currently published -linked Max Savings terms, see the separate floating and fixed rate tables.
Retail Loans Interest Rates — -linked schedule for Max Savings Home Loan · Rate of Interest for Retail Loans based on w.e.f. 01.04.2016; Max Savings row and Home Loan risk-premium note · effective 1 Apr 2016 · accessed 23 Sept 2026Open official source ↗

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