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Personal, home, vehicle & other loans

Baroda Personal Loan

Explore the benefits of the Baroda Personal Loan offered by Bank of Baroda. Gain quick access to funds with minimal documentation & hassle-free application process. Apply for Baroda Personal Loan now.

Interest rateFloating effective ranges by published category: 10.15%–10.65% government/defence salary account; 10.65%–15.50% Gold; 11.15%–15.50% Category C; 11.90%–15.50% Category B; 13.90%–17.50% Category A.Maximum amountMaximum ₹20,00,000, linked to occupation and account relationship. Minimum ₹1,00,000 in metro/urban branches and ₹50,000 in rural/semi-urban branches.TenureRepayment period is up to 84 months for qualifying government/PSU/autonomous-body and national-repute educational-institution employees with a Bank of Baroda salary account; up to 72 months for the comparable group using another bank; 48–60 months for other eligible employees, agents, professionals and business persons.
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Quick eligibility check

Baroda Personal 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.

1Do you meet this requirement: Eligible applicants include government, PSU, autonomous-body, public/joint-sector, listed public-company, MNC and recognised educational-institution employees with at least one year continuous service?

Published source: Eligibility

2Do you meet this requirement: private-company, trust and LLP employees with at least one year?

Published source: Eligibility

3Do you meet this requirement: insurance agents with at least two years?

Published source: Eligibility

4Are you this type of customer: and self-employed professionals or business persons with at least one year stable practice/business?

Published source: Eligibility

5Does your age meet this requirement: Minimum age is 21?

Published source: Eligibility

6Document checkDo you have this required document or proof: Completely filled loan application, three passport-sized photographs and Form 135 detailing the applicant's assets and liabilities?

Published source: Documents required

7Document checkDo you have this required document or proof: Bank statement for the last six months and updated passbook?

Published source: Documents required

8Document checkDo you have at least one of these required documents: Proof of residence: valid passport, voter ID card, driving licence, postpaid gas/electricity utility bill, updated passbook or bank statement, or registered rent agreement?

Published source: Documents required

9Document checkDo you have at least one of these required documents: Proof of identity: PAN card, Aadhaar card, valid Indian passport, voter ID card, driving licence, relevant government/defence/reputed-corporate employee ID, or photograph-bearing identity document/certificate of practice from a professional body such as ICAI, ICWA or ICFAI?

Published source: Documents required
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Bank of Baroda Personal Loan official product banner
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.

PurposeAny purpose other than speculation.View source
Any purpose other than speculation.
Source
Purpose
Page / section
Eligibility
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
BenefitsEmergency fund; alternative to credit cards; no strict credit limit; payment by cheque, bank transfer or cash; extended repayment timelines; flexible use of funds; higher borrowing through top-up loans.View source
Emergency fund; alternative to credit cards; no strict credit limit; payment by cheque, bank transfer or cash; extended repayment timelines; flexible use of funds; higher borrowing through top-up loans.
Source
Benefits
Page / section
Baroda Personal Loan
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Eligible borrowersCentral/state government, autonomous body, public/joint-sector, public limited/MNC and educational-institution employees with at least 1 year continuous service; private limited, trust and LLP employees with at least 1 year; insurance agents with at least 2 years’ business; self-employed professionals and business persons with at least 1 year stable practice/business.View source
Central/state government, autonomous body, public/joint-sector, public limited/MNC and educational-institution employees with at least 1 year continuous service; private limited, trust and employees with at least 1 year; insurance agents with at least 2 years’ business; self-employed professionals and business persons with at least 1 year stable practice/business.
Source
Eligible borrowers
Page / section
Eligibility Borrowers
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
ExclusionsBank staff and NRI/PIO applicants are not eligible.View source
Bank staff and / applicants are not eligible.
Source
Exclusions
Page / section
Eligibility Borrowers
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Co-applicantIndividual applications only; co-applicants are not permitted.View source
Individual applications only; co-applicants are not permitted.
Source
Co-applicant
Page / section
Co-Applicant
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
AgeMinimum 21 years. Salaried borrower age plus tenure must not exceed retirement age or 60 years, whichever is lower; non-salaried borrower age plus tenure must not exceed 65 years.View source
Minimum 21 years. Salaried borrower age plus tenure must not exceed retirement age or 60 years, whichever is lower; non-salaried borrower age plus tenure must not exceed 65 years.
Source
Age
Page / section
Age
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Loan amountMaximum ₹20 lakh, linked to occupation and account relationship. Minimum ₹1 lakh at metro/urban branches and ₹50,000 at rural/semi-urban branches.View source
Maximum ₹20 lakh, linked to occupation and account relationship. Minimum ₹1 lakh at metro/urban branches and ₹50,000 at rural/semi-urban branches.
Source
Loan amount
Page / section
Quantum of Finance
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Penal interest2% on the outstanding loan amount.View source
2% on the outstanding loan amount.
Source
Penal interest
Page / section
Penal interest
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Repayment capacityFOIR is 75% of GMI for qualifying central/state government, PSU, autonomous-body, A-rated listed-company, joint-sector and nationally reputed educational-institution employees with a Bank of Baroda salary account; 70% of GMI for the same target group using another bank; and 40% to 70% of GMI depending on income for others.View source
is 75% of for qualifying central/state government, , autonomous-body, A-rated listed-company, joint-sector and nationally reputed educational-institution employees with a Bank of Baroda salary account; 70% of for the same target group using another bank; and 40% to 70% of depending on income for others.
Source
Repayment capacity
Page / section
Specific Guidelines for Loan Eligibility
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Repayment period84 months for qualifying salary-account customers; 72 months for the same target group with another bank; 48 to 60 months for others.View source
84 months for qualifying salary-account customers; 72 months for the same target group with another bank; 48 to 60 months for others.
Source
Repayment period
Page / section
Specific Guidelines for Loan Eligibility
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Account relationshipFor loans up to ₹2 lakh for private/public company, trust/LLP employees, insurance agents, self-employed and professionals: satisfactory relationship with another bank for at least 6 months. Above ₹2 lakh: satisfactory relationship with Bank of Baroda for at least 6 months. Government employees may maintain salary account with Bank of Baroda or another bank.View source
For loans up to ₹2 lakh for private/public company, trust/ employees, insurance agents, self-employed and professionals: satisfactory relationship with another bank for at least 6 months. Above ₹2 lakh: satisfactory relationship with Bank of Baroda for at least 6 months. Government employees may maintain salary account with Bank of Baroda or another bank.
Source
Account relationship
Page / section
Specific Guidelines for Loan Eligibility
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Government/defence salary-account floating rateBRLLR + SP +2.00% to BRLLR + SP +2.50%; effective 10.15% to 10.65%, linked to individual CIBIL score.View source
+ +2.00% to + +2.50%; effective 10.15% to 10.65%, linked to individual score.
Source
Government/defence salary-account floating rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Government/defence salary-account fixed rate1-year MCLR + SP +2.00% to 1-year MCLR + SP +2.50%; effective 10.95% to 11.45%, linked to individual CIBIL score.View source
1-year + +2.00% to 1-year + +2.50%; effective 10.95% to 11.45%, linked to individual score.
Source
Government/defence salary-account fixed rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Gold category floating rateBRLLR + SP +2.50% to BRLLR + SP +7.35%; effective 10.65% to 15.50%.View source
+ +2.50% to + +7.35%; effective 10.65% to 15.50%.
Source
Gold category floating rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Gold category fixed rate1-year MCLR + SP +2.25% to 1-year MCLR + SP +5.10%; effective 11.20% to 14.05%.View source
1-year + +2.25% to 1-year + +5.10%; effective 11.20% to 14.05%.
Source
Gold category fixed rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Silver category floating rateBRLLR + SP +3.00% to BRLLR + SP +7.35%; effective 11.15% to 15.50%.View source
+ +3.00% to + +7.35%; effective 11.15% to 15.50%.
Source
Silver category floating rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Silver category fixed rate1-year MCLR + SP +2.75% to 1-year MCLR + SP +5.10%; effective 11.70% to 14.05%.View source
1-year + +2.75% to 1-year + +5.10%; effective 11.70% to 14.05%.
Source
Silver category fixed rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Category B floating rateBRLLR + SP +3.75% to BRLLR + SP +7.35%; effective 11.90% to 15.50%.View source
+ +3.75% to + +7.35%; effective 11.90% to 15.50%.
Source
Category B floating rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Category B fixed rate1-year MCLR + SP +3.80% to 1-year MCLR + SP +6.05%; effective 12.75% to 15.00%.View source
1-year + +3.80% to 1-year + +6.05%; effective 12.75% to 15.00%.
Source
Category B fixed rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Category A floating rateBRLLR + SP +5.75% to BRLLR + SP +9.35%; effective 13.90% to 17.50%.View source
+ +5.75% to + +9.35%; effective 13.90% to 17.50%.
Source
Category A floating rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Category A fixed rate1-year MCLR + SP +5.75% to 1-year MCLR + SP +9.05%; effective 14.70% to 18.00%.View source
1-year + +5.75% to 1-year + +9.05%; effective 14.70% to 18.00%.
Source
Category A fixed rate
Page / section
Interest rates & charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
DocumentsCompleted loan application, three passport photographs, Form 135 with assets/liabilities, six-month bank statement/passbook, residence and identity proof, salary slips and six-month statement for salaried applicants, or one-year financials/ITRs, business proof and tax documents for self-employed applicants.View source
Completed loan application, three passport photographs, Form 135 with assets/liabilities, six-month bank statement/passbook, residence and identity proof, salary slips and six-month statement for salaried applicants, or one-year financials/, business proof and tax documents for self-employed applicants.
Source
Documents
Page / section
Documents Required
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Accepted identity proofPAN, Aadhaar, valid Indian passport, voter ID, driving licence, employee ID, or identity/practice certificate from a professional body.View source
, Aadhaar, valid Indian passport, voter , driving licence, employee , or identity/practice certificate from a professional body.
Source
Accepted identity proof
Page / section
Documents Required
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Sales and marketing disclosureThe bank may use agents for sales and marketing of its products or services.View source
The bank may use agents for sales and marketing of its products or services.
Source
Sales and marketing disclosure
Page / section
Product overview
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Interest rateFloating effective ranges by published category: 10.15%–10.65% government/defence salary account; 10.65%–15.50% Gold; 11.15%–15.50% Category C; 11.90%–15.50% Category B; 13.90%–17.50% Category A.Effective 12 Sept 2026View source
The personal-loan table publishes category/-linked ranges.
Source
Retail Loans Interest Rates
Page / section
Baroda Personal Loan
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
Loan typeUnsecured personal loan for personal needs other than speculation; individual applications only and co-applicants are not allowed.View source
The page describes the facility as a personal loan for any purpose other than speculation and states that applications are considered individually without co-applicants.
Source
Baroda Personal Loan — official product page
Page / section
Purpose; Eligibility
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
BenchmarkFloating pricing is linked to BRLLR plus a CIBIL-score-based spread; fixed pricing is linked to 1 Year MCLR plus a category and CIBIL-score-based spread.View source
The rate table labels the floating benchmark and the fixed benchmark 1 Year , each followed by a spread linked to and category.
Source
Baroda Personal Loan — official product page
Page / section
Interest rates & charges
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Maximum amountMaximum ₹20,00,000, linked to occupation and account relationship. Minimum ₹1,00,000 in metro/urban branches and ₹50,000 in rural/semi-urban branches.View source
The page publishes the ₹20 lakh maximum and the two location-based minimum amounts.
Source
Baroda Personal Loan — official product page
Page / section
Features; Eligibility; — Quantum of Finance
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
TenureRepayment period is up to 84 months for qualifying government/PSU/autonomous-body and national-repute educational-institution employees with a Bank of Baroda salary account; up to 72 months for the comparable group using another bank; 48–60 months for other eligible employees, agents, professionals and business persons.View source
The repayment-capacity table lists 84, 72 and 48–60 months against the three customer/account-relationship groups.
Source
Baroda Personal Loan — official product page
Page / section
Eligibility — Specific Guidelines for Loan Eligibility / Repayment Period
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
EligibilityEligible applicants include government, PSU, autonomous-body, public/joint-sector, listed public-company, MNC and recognised educational-institution employees with at least one year continuous service; private-company, trust and LLP employees with at least one year; insurance agents with at least two years; and self-employed professionals or business persons with at least one year stable practice/business. Minimum age is 21; at repayment end, age must not exceed 60 for salaried or 65 for non-salaried applicants. Staff and NRI/PIO applicants are excluded.View source
The official eligibility section lists the applicant groups, service/vintage rules, age limits and exclusions.
Source
Baroda Personal Loan — official product page
Page / section
Eligibility
Accessed
28 Aug 2026
Confidence
high
Open official source ↗
Documents requiredCompletely filled loan application, three passport-sized photographs and Form 135 detailing assets and liabilities; bank statement for the last six months and updated passbook; residence proof (passport, voter ID, driving licence, postpaid utility bill, updated passbook/bank statement or registered rent agreement); identity proof (PAN, Aadhaar, Indian passport, voter ID, driving licence, relevant employee ID or professional-body identity/certificate of practice); salaried applicants' last three months' salary slips and last six months' account statement; self-employed applicants' last-year balance sheet, profit-and-loss account, income computation, income-tax returns, Form 26AS, TRACES records, business proof and applicable tax assessment/clearance or TDS documents.View source
The official page lists the completed application/Form 135, photographs, six-month bank records, residence and identity proof options, salaried salary slips and statements, and self-employed financial, tax and business evidence.
Source
Baroda Personal Loan — official product page
Page / section
Documents Required
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeProduct page: nil for government/defence borrowers with a Bank of Baroda salary account; otherwise 1%–2% (minimum ₹1,000, maximum ₹10,000) + GST. Conflicting schedules: the linked All-in-Cost PDF says 2%, minimum ₹250 + service tax; the Service Charges table says 2%, minimum ₹1,000 and maximum ₹10,000 (table labelled effective 20 June 2019). Confirm the applicable category and tariff with the Bank.View source
The product-specific page states a nil fee for government/defence applicants with a salary account and 1%–2% plus , minimum ₹1,000 and maximum ₹10,000, for others. The linked older All-in-Cost schedule and service-charge tariff publish different processing terms; neither is silently treated as a current override.
Source
Baroda Personal Loan — processing charge source reconciliation
Page / section
Product page — Interest rates & charges; Service Charges — Mortgages & Retail Asset; All-in-Cost — page 3 English processing-charge table
Accessed
24 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureSources conflict: the Service Charges page lists 3% + GST on fixed-rate Personal Loan amounts prepaid during the first 3 years; the Personal Loan FAQ says no pre-closure charge, and the linked All-in-Cost PDF lists NIL prepayment. The applicable rate/loan-type terms are not reconciled.View source
The fee page has a fixed-rate Personal Loan entry; the product-category says there is no pre-closure charge; the linked generic legacy annexure shows NIL. No current official clarification resolves whether the excludes fixed-rate facilities or supersedes the tariff.
Source
Baroda Personal Loan — prepayment charge source reconciliation
Page / section
Service Charges — Pre-Payment Charges under Fixed Rate Retail Loans; Personal Loans — pre-closure charges; All-in-Cost — page 3 English prepayment table
Accessed
24 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Emergency funding for urgent personal needs and flexible use of funds for purposes other than speculation.
  • The page describes an alternative to credit cards and informal borrowing, with no strict credit-limit wording.
  • Repayment can use cheque, bank transfer or cash, with extended and flexible repayment timelines.
  • Maximum finance is ₹20 lakh; minimum is ₹1 lakh at metro/urban branches and ₹50,000 at rural/semi-urban branches.
  • Floating and fixed interest options are available; processing is nil for eligible government employees maintaining a Bank of Baroda salary account and otherwise 1%–2% plus subject to the published minimum and maximum.

Eligibility

  • Eligible applicants include government, , autonomous-body, public/joint-sector, listed public-company, MNC and recognised educational-institution employees with at least one year continuous service
  • private-company, trust and employees with at least one year
  • insurance agents with at least two years
  • and self-employed professionals or business persons with at least one year stable practice/business. Minimum age is 21
  • at repayment end, age must not exceed 60 for salaried or 65 for non-salaried applicants. Staff and / applicants are excluded.

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

Documents the bank lists

  • Completely filled loan application, three passport-sized photographs and Form 135 detailing the applicant's assets and liabilities
  • Bank statement for the last six months and updated passbook
  • Proof of residence: valid passport, voter card, driving licence, postpaid gas/electricity utility bill, updated passbook or bank statement, or registered rent agreement
  • Proof of identity: card, Aadhaar card, valid Indian passport, voter card, driving licence, relevant government/defence/reputed-corporate employee , or photograph-bearing identity document/certificate of practice from a professional body such as , or ICFAI
  • Salaried applicants: last three months' salary slips and the last six months' account statement from Bank of Baroda or another bank
  • Self-employed applicants: balance sheet, profit-and-loss account and income computation for the last year; last year's income-tax returns, Form 26AS and TRACES records; business proof such as a Gomasta licence, registration certificate or service-tax registration; and income-tax assessment/clearance certificate, tax challans, Form 16A/ certificate or Form 26AS where applicable

Related official documents

Baroda Personal Loan product pageproduct-page · current · accessed 21 Aug 2026
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Baroda Personal Loan — official product pageofficial-product-page · current · accessed 28 Aug 2026
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Common application form for vehicle, personal and consumer loans — exact reviewed version reusedofficial-linked-application-form-pdf · Exact prior reviewed bytes reused; fresh live-link verification unavailable on 2026-09-27 · accessed 24 Sept 2026
↗
Bank of Baroda Personal Loans — official category and FAQ pageofficial-product-category-and-faq-page · Current official category/FAQ content reviewed on 2026-09-24; fee answer conflicts with other official schedules. · accessed 24 Sept 2026
↗
Bank of Baroda — personal-loan forms directoryofficial-document-directory-page · Current directory page reviewed; linked versions and hashes recorded above. · accessed 24 Sept 2026
↗
Baroda Personal Loan — current product page, full reviewofficial-product-page · Current official page reviewed in full on 2026-09-24; no publication/effective date shown for the page terms. · accessed 24 Sept 2026
↗
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
↗
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
↗
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
↗
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
↗
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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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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Government/defence salary account with Bank of Baroda · Floating effective rate10.15%–10.65%

This value is copied from Baroda Personal Loan — published rate and repayment table. Check the table notes before relying on it.

Source: Baroda Personal Loan — official product page · Interest rates & charges; Eligibility — Repayment Period; 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 · 5 columnsBaroda Personal Loan — published rate and repayment tableThe live official page's rate and repayment-capacity tables, transcribed without adding an income threshold that the issuer does not publish.View tableHide table

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Baroda Personal Loan — published rate and repayment table
Customer categoryFloating effective rateFixed effective rateRepayment periodProcessing fee
Government/defence salary account with Bank of Baroda10.15%–10.65%10.95%–11.45%84 monthsNil
Gold category — specified public-sector and national-repute institutions, Bank of Baroda salary account10.65%–15.50%11.20%–14.05%84 months1%–2% + ; ₹1,000–₹10,000 +
Silver category — same target customers, salary account with another bank11.15%–15.50%11.70%–14.05%72 months1%–2% + ; ₹1,000–₹10,000 +
Category B — private/public/trust/ employees, insurance agents, professionals and business persons with Bank of Baroda relationship11.90%–15.50%12.75%–15.00%48–60 months1%–2% + ; ₹1,000–₹10,000 +
Category A — same group with another-bank relationship13.90%–17.50%14.70%–18.00%48–60 months1%–2% + ; ₹1,000–₹10,000 +
  • Rates are linked to or 1 Year plus /category spread.
  • Quantum is maximum ₹20 lakh; minimum is ₹1 lakh metro/urban and ₹50,000 rural/semi-urban.
  • The page does not publish a universal minimum salary or income amount.
Baroda Personal Loan — official product page · Interest rates & charges; Eligibility — Repayment Period; · accessed 28 Aug 2026Open official source ↗
Table 2 · 9 rows · 4 columnsBank of Baroda retail lending benchmarksCurrent benchmark rows from the official retail-loan rates page.View tableHide table

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Bank of Baroda retail lending benchmarks
BenchmarkPublished rateEffective fromContext
repo rate5.25%Current page composition
Overnight 7.85%12 September 2026
1-month 7.95%12 September 2026
3-month 8.30%12 September 2026
6-month 8.50%12 September 2026
1-year 8.75%12 September 2026
for retail loans7.90%6 December 2025Repo 5.25% + markup/base spread 2.65%
Base Rate9.45%12 May 2025Published benchmark
13.75%12 May 2025Published benchmark
Retail Loans Interest Rates · Repo Rate, and · effective 12 Sept 2026 · accessed 12 Sept 2026Open official source ↗
Table 3 · 16 rows · 2 columnsRetail processing and fixed-rate prepayment scheduleRelevant rows from the official service-charge schedule; charges exclude GST unless stated.View tableHide table

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Retail processing and fixed-rate prepayment schedule
Product / rulePublished charge or condition
Home / Home Improvement0.50% up to ₹50 lakh (min ₹8,500, max ₹15,000); 0.25% above (min ₹8,500, max ₹25,000); takeover ₹8,500
Top Up0.35%; min ₹5,000; max ₹12,500
Pre-approved Home Loan0.25%–0.50%; ₹8,500 upfront
Ashray0.20%; upfront ₹8,500; max ₹10,000
Advance Against Securities₹500; staff/ex-staff nil
Car / Digital Car₹1,500 + up to ₹10 lakh; ₹2,000 + above; concessions published
Two-wheeler / Digital2% + ; minimum ₹250 / ₹1,000
Personal Loan2%; minimum ₹1,000; maximum ₹10,000
Pensioner Loan ex-staff nil; others ₹1,000
MortgageTerm 1%; 0.35% or 0.25% slabs
EducationIndia nil; abroad 1% capped ₹10,000 and refundable at first disbursement
Future Rent1% without cap, minimum ₹1,000; escrow ₹10,000/₹25,000 p.a.
Fixed personal prepayment3% + in first 3 years
Fixed car prepaymentNil up to ₹40,000 in first 2 years/after; otherwise 2% +
Fixed two-wheeler prepaymentNil up to ₹10,000 in first 2 years/after; otherwise 2% +
Fixed education / securities / AshrayEducation own source nil/takeover 0.50%; securities 1%; Ashray 1%, plus
Service Charges · Mortgages & Retail Asset; Pre-Payment Charges under Fixed Rate Retail Loans · effective 1 Apr 2025 · accessed 12 Sept 2026Open official source ↗
Table 4 · 3 rows · 3 columnsBaroda Personal Loan — processing fee statements by official sourceThe Bank's current product page and linked fee schedules publish different processing terms. The dated/legacy source context is retained so applicants can identify the conflict.View tableHide table

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Baroda Personal Loan — processing fee statements by official source
Official sourcePublished processing chargeContext
Personal Loan product pageGovernment/defence borrowers with salary account: nil; other applicants: 1%–2%, minimum ₹1,000, maximum ₹10,000 + Product-specific page; page does not display an effective date for the charge
All-in-Cost for Retail Loans , page 32%, minimum ₹250 + service tax; separate pensioner row: ₹100 + service taxLinked generic annexure; undated/legacy wording; do not treat pensioner row as applicable to this product applicant without confirmation
Service Charges page — Mortgages & Retail Asset2%, minimum ₹1,000, maximum ₹10,000; bank-wide note appliesThe fee row is in a table labelled effective 20 June 2019; conflicts with current product-specific percentage range and waiver
  • Do not collapse these into one definitive fee. The current product-specific page is the newest product-specific statement found, but no current dated amendment reconciles the older official schedules.
  • The All-in-Cost annexure also says the charge is collected upfront, describes a 50% refund after sanction where the customer does not avail the loan, and discusses non-sanction/legal/valuation costs; see its English page 3 for the complete conditions. These generic schedule conditions are not represented as a product-page waiver.
  • and legacy service-tax wording are kept source-specific; do not equate service tax to today's tax treatment.
Baroda Personal Loan page, Service Charges page and All-in-Cost for Retail Loans · Product page — Interest rates & charges; Service Charges — Mortgages & Retail Asset; All-in-Cost — page 3 English processing-charge table · accessed 24 Sept 2026Open official source ↗
Table 5 · 3 rows · 3 columnsBaroda Personal Loan — prepayment statements by official sourceOfficial current page, FAQ and linked annexure do not agree; applicability remains unresolved.View tableHide table

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Baroda Personal Loan — prepayment statements by official source
Official sourcePublished prepayment statementScope / caveat
Service Charges — fixed-rate retail prepayment schedule3% + on amount prepaid during the first 3 yearsPersonal Loan entry is under fixed-rate retail loans
Personal Loans No pre-closure chargeCategory ; it does not distinguish fixed from floating in the answer
All-in-Cost for Retail Loans , page 3NILLinked generic undated/legacy annexure; current applicability is not stated
  • No fee is presented as definitively applicable until Bank of Baroda resolves the fixed-rate//legacy-annexure conflict.
Bank of Baroda Service Charges, Personal Loans and All-in-Cost for Retail Loans · Pre-Payment Charges under Fixed Rate Retail Loans; Personal Loans ; All-in-Cost page 3 English prepayment schedule · accessed 24 Sept 2026Open official source ↗
Table 6 · 5 rows · 3 columnsBaroda Personal Loan — product checklist and generic form/checklist contextThe Personal Loan page provides the product-specific evidence list. The linked form and generic checklist support the application workflow but do not establish a minimum salary threshold.View tableHide table

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Baroda Personal Loan — product checklist and generic form/checklist context
Applicant / stageProduct-page documents or form detailsSource qualification
All applicantsCompleted loan application; 3 passport photographs; Form 135 (assets and liabilities); six-month bank statement/passbook; residence and identity proofProduct-specific checklist; current page
SalariedLast 3 months' salary slips and 6-month account statementProduct-specific page; generic checklist's 3-year income-tax documents are additional/general rather than a stated replacement
Self-employedOne-year balance sheet, profit-and-loss account and income computation; income-tax returns; Form 26AS/TRACES records; business proof and applicable tax/ recordsProduct-specific page; generic checklist gives broader three-year/-certified examples and says product-specific documents may be added
Common application formApplicant/co-applicant/guarantor identity, employment or business, income/assets/liabilities, existing facilities, banking and requested loan detailsFive-page generic vehicle/personal/consumer loan form; it states no numeric minimum-income threshold
Generic checklist items not imported as Personal Loan requirementsGeneric checklist includes 2 photos, property-document materials, / supplements, guarantor/employer items and 3-year self-employed papersOnly applicable where the borrower's case/product requires them; this is not the current product-specific mandate
  • For product-page requirements, retain the current page's three photographs and one-year self-employed financial-document period; do not overwrite with the generic checklist examples.
  • The application form asks for financial information to assess the application but does not publish a minimum salary/income value.
  • Property collateral documents in the generic checklist are not represented as a requirement for this unsecured Personal Loan.
Baroda Personal Loan page, common application form and Model Checklist for Retail Loans · Product page — Documents Required; common form pages 1–5; Model Checklist pages 4–6 English generic checklist/self-employed documents · accessed 24 Sept 2026Open official source ↗

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