Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
FacilityLoan against immovable property, available as a term/demand loan or overdraft; NRIs receive loan only, not overdraft.View source
Loan against immovable property, available as a term/demand loan or overdraft; receive loan only, not overdraft.
- Source
- Facility
- Page / section
- Baroda Mortgage Loan
- Accessed
- 21 Aug 2026
- Confidence
- high
BenefitsIncome from idle property; deposit surplus money to save interest; flexible withdrawals; overdraft or demand-loan choice; competitive rate; loan up to ₹25 crore.View source
Income from idle property; deposit surplus money to save interest; flexible withdrawals; overdraft or demand-loan choice; competitive rate; loan up to ₹25 crore.
- Source
- Benefits
- Page / section
- Baroda Mortgage Loan
- Accessed
- 21 Aug 2026
- Confidence
- high
Eligible applicantsResident individuals, NRIs, proprietorships, partnerships, private limited companies, LLPs and eligible unlisted public limited companies.View source
Resident individuals, , proprietorships, partnerships, private limited companies, and eligible unlisted public limited companies.
- Source
- Eligible applicants
- Page / section
- Features / Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
PurposeAny purpose except financial speculation, including purchase of commercial property; real-estate developers, property dealers/brokers, share/stock brokers and speculative activities are excluded.View source
Any purpose except financial speculation, including purchase of commercial property; real-estate developers, property dealers/brokers, share/stock brokers and speculative activities are excluded.
- Source
- Purpose
- Page / section
- Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
SecurityMortgage of residential property, commercial property or non-agricultural plot; industrial property is subject to approval for creation of equitable mortgage.View source
Mortgage of residential property, commercial property or non-agricultural plot; industrial property is subject to approval for creation of equitable mortgage.
- Source
- Security
- Page / section
- — Security
- Accessed
- 21 Aug 2026
- Confidence
- high
Minimum loan amountIndividuals: ₹2 lakh. Non-individual entities: ₹5 lakh.View source
Individuals: ₹2 lakh. Non-individual entities: ₹5 lakh.
- Source
- Minimum loan amount
- Page / section
- Features
- Accessed
- 21 Aug 2026
- Confidence
- high
Maximum loan amountMetro ₹25 crore, urban ₹10 crore, semi-urban ₹5 crore and rural ₹25 lakh.View source
Metro ₹25 crore, urban ₹10 crore, semi-urban ₹5 crore and rural ₹25 lakh.
- Source
- Maximum loan amount
- Page / section
- — Limit
- Accessed
- 21 Aug 2026
- Confidence
- high
TenureTerm loan up to 180 months; overdraft is for 12 months subject to annual review.View source
Term loan up to 180 months; overdraft is for 12 months subject to annual review.
- Source
- Tenure
- Page / section
- — Repayment Period
- Accessed
- 21 Aug 2026
- Confidence
- high
MarginResidential 25%, commercial 35%, industrial 50% and other non-agricultural properties 50% of realizable value.View source
Residential 25%, commercial 35%, industrial 50% and other non-agricultural properties 50% of realizable value.
- Source
- Margin
- Page / section
- — Margin
- Accessed
- 21 Aug 2026
- Confidence
- high
Resident eligibilitySalaried/
Salaried/professional, self-employed, business person, agriculturist or other applicant engaged for at least 3 years; service break up to 3 months allowed; minimum average GAI of the last 3 years ₹3 lakh.
- Source
- Resident eligibility
- Page / section
- Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
NRI eligibilityNRI holding an Indian passport with a regular overseas job/
holding an Indian passport with a regular overseas job/business, valid contract or work permit for at least 2 years and overseas residence for at least 2 years; minimum average GAI of the last 3 years ₹5 lakh.
- Source
- eligibility
- Page / section
- Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
AgeMinimum 21 and maximum 60 years; applicant/
Minimum 21 and maximum 60 years; applicant/co-borrower age plus tenure must not exceed retirement age for salaried applicants and 65 years for and others.
- Source
- Age
- Page / section
- Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
Co-applicantClose relatives may be added for higher eligibility with or without property ownership; non-relatives must own or jointly own the collateral property.View source
Close relatives may be added for higher eligibility with or without property ownership; non-relatives must own or jointly own the collateral property.
- Source
- Co-applicant
- Page / section
- Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
Takeover without income documentsIndividual takeover up to ₹2 crore may be considered with residential/
Individual takeover up to ₹2 crore may be considered with residential/commercial security, average CIBIL at least 750, at least 18 paid, satisfactory repayment and no more than 30 days past due in the last 12 months.
- Source
- Takeover without income documents
- Page / section
- Takeover of loan
- Accessed
- 21 Aug 2026
- Confidence
- high
Non-individual eligibilityEntity established in its line of activity for at least 3 years, minimum audited turnover ₹1 crore and cash profit for the last 3 years; HUF, trust, society and public limited companies are not eligible.View source
Entity established in its line of activity for at least 3 years, minimum audited turnover ₹1 crore and cash profit for the last 3 years; , trust, society and public limited companies are not eligible.
- Source
- Non-individual eligibility
- Page / section
- Non-Individual Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
Individual floating rateFor tenor up to 120 months and facility up to ₹7.5 crore: BRLLR + SP +0.75% to BRLLR + SP +3.35%; effective 8.90% to 11.50%.View source
For tenor up to 120 months and facility up to ₹7.5 crore: + +0.75% to + +3.35%; effective 8.90% to 11.50%.
- Source
- Individual floating rate
- Page / section
- Interest rates & charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Rate adjustmentsAdd 0.25% above card rates for tenor over 120 months or facility above ₹7.5 crore; add 0.50% for overdraft; if both apply add 0.50%; overdraft limit is 1.00% above card rates; fixed ROI is 2% above applicable ROI.View source
Add 0.25% above card rates for tenor over 120 months or facility above ₹7.5 crore; add 0.50% for overdraft; if both apply add 0.50%; overdraft limit is 1.00% above card rates; fixed is 2% above applicable .
- Source
- Rate adjustments
- Page / section
- Interest rates & charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Non-individual floating rateFor tenor up to 120 months and facility up to ₹7.5 crore: BRLLR + SP +1.05% (9.20% currently) when margin is above 50%, and BRLLR + SP +1.55% (9.70% currently) when margin is up to 50%.View source
For tenor up to 120 months and facility up to ₹7.5 crore: + +1.05% (9.20% currently) when margin is above 50%, and + +1.55% (9.70% currently) when margin is up to 50%.
- Source
- Non-individual floating rate
- Page / section
- Interest rates & charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Unified processing chargesTerm loan: 1%, minimum ₹8,500 upfront per property and maximum ₹1,50,000. Overdraft up to ₹3 crore: 0.35%, minimum ₹8,500 and maximum ₹75,000; above ₹3 crore: 0.25%, minimum ₹8,500 and no maximum. Charges exclude GST.View source
Term loan: 1%, minimum ₹8,500 upfront per property and maximum ₹1,50,000. Overdraft up to ₹3 crore: 0.35%, minimum ₹8,500 and maximum ₹75,000; above ₹3 crore: 0.25%, minimum ₹8,500 and no maximum. Charges exclude .
- Source
- Unified processing charges
- Page / section
- Service Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Processing charge componentsProcessing, documentation, document verification, pre-sanction CPV, one-time post-inspection, advocate, valuer, bureau, CERSAI and ITR-verification charges are included; stamp duty and equitable-mortgage charges are separate actual costs.View source
Processing, documentation, document verification, pre-sanction CPV, one-time post-inspection, advocate, valuer, bureau, CERSAI and -verification charges are included; stamp duty and equitable-mortgage charges are separate actual costs.
- Source
- Processing charge components
- Page / section
- Documents / Service Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Review chargesNo review charge for term/demand loans. Overdraft reviews use the applicable processing charge annually; enhancement charges cover the full enhanced limit and proportionate periods where applicable.View source
No review charge for term/demand loans. Overdraft reviews use the applicable processing charge annually; enhancement charges cover the full enhanced limit and proportionate periods where applicable.
- Source
- Review charges
- Page / section
- Service Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Inspection chargeFrom the second post-sanction inspection, ₹100 plus GST per inspection is charged.View source
From the second post-sanction inspection, ₹100 plus per inspection is charged.
- Source
- Inspection charge
- Page / section
- Service Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Prepayment2% within 12 months after initial sanction; nil after 12 months. For term loans, charges use the higher of scheduled amortisation balance or outstanding balance.View source
2% within 12 months after initial sanction; nil after 12 months. For term loans, charges use the higher of scheduled amortisation balance or outstanding balance.
- Source
- Prepayment
- Page / section
- — Pre-Payment Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Commitment chargeIf quarterly average utilisation is below 60% of the sanctioned limit, 0.50% p.a. applies to the entire unutilised portion; no charge at 60% or more utilisation.View source
If quarterly average utilisation is below 60% of the sanctioned limit, 0.50% p.a. applies to the entire unutilised portion; no charge at 60% or more utilisation.
- Source
- Commitment charge
- Page / section
- — Commitment Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Penal interest2% p.a. on overdue amount.View source
2% p.a. on overdue amount.
- Source
- Penal interest
- Page / section
- — Penal Interest
- Accessed
- 21 Aug 2026
- Confidence
- high
Property insuranceProperty offered as security must be insured for full value excluding land cost; borrower bears the charge.View source
Property offered as security must be insured for full value excluding land cost; borrower bears the charge.
- Source
- Property insurance
- Page / section
- — Insurance
- Accessed
- 21 Aug 2026
- Confidence
- high
DocumentsApplication and photographs; six-month bank statement; identity and address proof; salary slips/
Application and photographs; six-month bank statement; identity and address proof; salary slips/Form 16 or ; audited financials for businesses; contract, work permit, visa, and overseas statements; title deeds, tax receipts, non-encumbrance letter and equitable-mortgage permissions.
- Source
- Documents
- Page / section
- Documents Required
- Accessed
- 21 Aug 2026
- Confidence
- high
Co-applicant/guarantor requirementsPartners, promoter directors and shareholders with 20% or more shareholding and certain close relatives providing property security must stand as co-applicant or guarantor.View source
Partners, promoter directors and shareholders with 20% or more shareholding and certain close relatives providing property security must stand as co-applicant or guarantor.
- Source
- Co-applicant/guarantor requirements
- Page / section
- Non-Individual Eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
Sales and marketing disclosureThe bank may use agents for sales and marketing of the product.View source
The bank may use agents for sales and marketing of the product.
- Source
- Sales and marketing disclosure
- Page / section
- Product overview
- Accessed
- 21 Aug 2026
- Confidence
- high
Interest rate8.90%–11.50% p.a. for individual floating-rate facilities up to ₹7.50 crore and tenor up to 120 months; additional spreads apply above those limits or for overdraft facilities.View source
The current official rate table publishes 8.90%–11.50% for individual mortgage facilities up to ₹7.50 crore and 120 months.
- Source
- Retail Loans Interest Rates
- Page / section
- Baroda Mortgage Loan — Individuals
- Accessed
- 21 Aug 2026
- Confidence
- high
Maximum financeMetro ₹25 crore; urban ₹10 crore; semi-urban ₹5 crore; rural ₹25 lakh.View source
The product page lists location-specific maximum mortgage limits.
- Source
- Baroda Mortgage Loan
- Page / section
- Maximum loan amount
- Accessed
- 21 Aug 2026
- Confidence
- high
Maximum tenureTerm loan up to 180 months; overdraft is sanctioned for 12 months subject to annual review.View source
The official product page distinguishes term-loan tenure from the annually reviewed overdraft facility.
- Source
- Baroda Mortgage Loan
- Page / section
- Features and eligibility
- Accessed
- 21 Aug 2026
- Confidence
- high
Processing feeTerm loan 1% (minimum ₹8,500, maximum ₹1,50,000); overdraft up to ₹3 crore 0.35% (minimum ₹8,500, maximum ₹75,000); above ₹3 crore 0.25% (minimum ₹8,500, no maximum).Effective 1 Apr 2025View source
Mortgage processing is split between term loan and overdraft slabs.
- Source
- Service Charges
- Page / section
- Baroda Mortgage Loan
- Accessed
- 12 Sept 2026
- Confidence
- high
Prepayment / closure2% within 12 months after initial sanction; nil after 12 months, subject to the product’s balance-calculation rule for term loans.View source
The current product terms state 2% during the first 12 months and nil afterward.
- Source
- Baroda Mortgage Loan
- Page / section
- Prepayment
- Accessed
- 21 Aug 2026
- Confidence
- high
Loan typeLoan against property / mortgageView source
The official product name identifies this as “Baroda Mortgage Loan”.
- Source
- Baroda Mortgage Loan — official product page
- Page / section
- Official product name and loan classification
- Accessed
- 21 Aug 2026
- Confidence
- high
BenchmarkBRLLR + SP +0View source
The manually reviewed product record states: “For tenor up to 120 months and facility up to ₹7.5 crore: + +0.75% to + +3.35%; effective 8.90% to 11.50%.”.
- Source
- Baroda Mortgage Loan — official product page
- Page / section
- Published product metadata
- Accessed
- 21 Aug 2026
- Confidence
- high
Minimum incomeSalaried/
The manually reviewed product record states: “Salaried/professional, self-employed, business person, agriculturist or other applicant engaged for at least 3 years; service break up to 3 months allowed; minimum average GAI of the last 3 years ₹3 lakh.; holding an Indian passport with a regular overseas job/ business, valid contract or work permit for at least 2 years and overseas residence for at least 2 years; minimum average GAI of the last 3 years ₹5 lakh.; Entity established in its line of activity for at least 3 years, minimum audited turnover ₹1 crore and cash profit for the last 3 years; , trust, society and public limited companies are not eligible.”.
- Source
- Baroda Mortgage Loan — official product page
- Page / section
- Published product metadata
- Accessed
- 21 Aug 2026
- Confidence
- high
Prepayment / foreclosure2% of the applicable balance when prepaid within 12 months after initial sanction; nil after 12 months. For a term loan, the charge is calculated on the higher of the scheduled-amortisation balance or outstanding balance.View source
The current page states: prepayment within 12 months after initial sanction is charged at 2%; prepayment after 12 months is nil. For term loans, the charge is based on the higher of scheduled-amortisation balance or outstanding balance.
- Source
- Baroda Mortgage Loan — current official product page
- Page / section
- Interest rates & charges; — Pre-Payment Charges
- Accessed
- 13 Sept 2026
- Confidence
- high
Benefits and features
- Income from idle property
- deposit surplus money to save interest
- flexible withdrawals
- overdraft or demand-loan choice
- competitive rate
- loan up to ₹25 crore.
Eligibility
- Resident individual applicants whose income is considered for eligibility should have been employed or engaged in business or profession for at least three years; a service break of up to three months may be allowed.
- The minimum average gross annual income for the last three years is ₹3 lakh for resident individuals, including eligible co-applicant income.
- Resident individuals, and eligible proprietorships, partnerships, private companies, unlisted public companies and can apply, subject to the page's separate conditions.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Duly completed and signed application form; separate Form 135 is not required.
- Two passport-size photographs of each applicant, co-applicant and guarantor.
- Bank account statement for the last six months.
- One personal identity proof: employer photo , electoral , passport, driving licence, card or Aadhaar card.
- One residential address proof, such as electricity bill, landline telephone bill, electoral/voter or passport.
- Salaried applicants: latest salary slips for the last three months with breakup, or Income Tax Returns with Form 16 for the last three years.
- Agriculturists: income certificate from the appropriate authority such as Tehsildar, SDO or BDO.
- Other applicants: Income Tax Returns for the last three years acknowledged by the income-tax authorities.
- Self-employed or professional applicants: balance sheets and profit-and-loss accounts with individual Income Tax Returns for the last three years, certified by a chartered accountant, plus a note describing the business or profession, organisation, clients and suppliers.
- applicants: employment contract, latest salary slips or self-employed financials as applicable, employer identity card, work permit, visa, account passbook or statement, overseas account statement for six months, bio-data with supporting proof, guarantor forms with net-worth or income proof, and any required remittance undertaking.
- Property documents: original title deeds with the complete chain of title, latest maintenance/water-tax/municipal-tax receipts, non-encumbrance letter from a cooperative society where applicable, permission to create an equitable mortgage, society confirmation of the bank's lien where applicable, and any document required by the bank's panel advocate.
Related official documents
Baroda Mortgage Loan product pageproduct-page · current · accessed 21 Aug 2026
↗Baroda Mortgage Loan — current official product pageofficial-product-page · current · accessed 13 Sept 2026
↗Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 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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