Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Interest rate9.40%–10.25% p.a., linked to CIBIL/
The official page gives -linked effective rates from 9.40% to 10.25% and the corresponding spreads.
- Source
- Baroda Portfolio backed Approved Limit ()
- Page / section
- Interest rates & charges
- Accessed
- 21 Aug 2026
- Confidence
- high
Maximum finance₹1 crore against equity shares; ₹5 crore against equity mutual funds, debentures, bonds, sovereign gold bonds and debt mutual funds, in dematerialised form.View source
The security table distinguishes ₹1 crore equity-share and ₹5 crore debt/other approved-security limits and a ₹1 lakh minimum.
- Source
- Baroda Portfolio backed Approved Limit ()
- Page / section
- Features — Maximum Limit per Individual
- Accessed
- 21 Aug 2026
- Confidence
- high
Maximum tenure12 months for the overdraft limit, extendable after satisfactory conduct and review.View source
The official states the facility is granted for 12 months and may be extended after satisfactory review.
- Source
- Baroda Portfolio backed Approved Limit ()
- Page / section
- — duration
- Accessed
- 21 Aug 2026
- Confidence
- high
Processing fee₹1,999 + GST at sanction and ₹499 + GST at annual review.View source
The page publishes unified sanction and annual-review charges.
- Source
- Baroda Portfolio backed Approved Limit ()
- Page / section
- Processing Charges
- Accessed
- 21 Aug 2026
- Confidence
- high
EligibilityIndividuals resident or non-resident with a regular source of income and approved dematerialised securities; age 21–70 and minimum CIBIL 701, with −1/
The page lists resident/non-resident individual eligibility, age and rules.
- Source
- Baroda Portfolio backed Approved Limit ()
- Page / section
- Eligibility /
- Accessed
- 21 Aug 2026
- Confidence
- high
TenureBOB-PAL overdraft is granted for 12 months and may be extended after satisfactory conduct and review. The KVP/
The states a 12-month facility extendable after review; no tenure is printed on its reviewed page.
- Source
- Bank of Baroda and product pages
- Page / section
- — Duration;
- Accessed
- 29 Aug 2026
- Confidence
- high
Income eligibilityNo minimum income amount is published. At least one applicant or co-applicant must be engaged in gainful activity and have a regular source of income; the page separately publishes a minimum facility of ₹1 lakh and a minimum CIBIL score of 701 (−1/
The issuer requires gainful activity with regular income but publishes no minimum rupee income; it does publish the ₹1 lakh minimum facility and cutoff.
- Source
- Baroda Portfolio backed Approved Limit ()
- Page / section
- Eligibility; Features; cutoff
- Accessed
- 29 Aug 2026
- Confidence
- high
Prepayment / foreclosureFor a fixed-rate Advance Against Securities, the Bank of Baroda service-charge schedule publishes 1% + GST on the amount outstanding. The product page does not publish a different prepayment rule for BOB-PAL.View source
The schedule states fixed-rate prepayment charges of 1% + on the amount outstanding for Advance Against Securities.
- Source
- Bank of Baroda service charges — Advance Against Securities
- Page / section
- Pre-Payment Charges under Fixed Rate Retail Loans — Advance Against Securities
- Accessed
- 29 Aug 2026
- Confidence
- high
Loan typeOverdraft limit secured by approved dematerialised securities (BOB-PAL)View source
The page presents as a portfolio-backed approved overdraft limit against approved securities.
- Source
- Baroda Portfolio backed Approved Limit () — official page
- Page / section
- Product title and Features
- Accessed
- 29 Aug 2026
- Confidence
- high
Minimum facilityBOB-PAL minimum amount is ₹1 lakh. For KVP/
The official page states a ₹1 lakh minimum; the page states ₹3,000 for term/demand loans and ₹20,000 for overdraft.
- Source
- Bank of Baroda and product pages
- Page / section
- Features — Minimum Amount / — Minimum Loan Limit
- Accessed
- 29 Aug 2026
- Confidence
- high
Maximum facilityBOB-PAL permits up to ₹1 crore against equity shares and up to ₹5 crore against equity mutual funds, debentures, bonds, sovereign gold bonds and debt mutual funds in dematerialised form. The KVP/
The feature table differentiates equity-share and other-security caps; the page explicitly says maximum loan amount is no ceiling.
- Source
- Bank of Baroda and product pages
- Page / section
- Benefits — Up to ₹5 crore; Features — Maximum Limit per Individual; Features
- Accessed
- 29 Aug 2026
- Confidence
- high
MarginBOB-PAL margin is 50% for equity shares/
The publishes 50%/25% security margins; the states 80–85% of face value.
- Source
- Bank of Baroda and product pages
- Page / section
- — Margins; — loan against face value
- Accessed
- 29 Aug 2026
- Confidence
- high
Credit-score requirementBOB-PAL minimum/
The states a minimum/cut-off CIBIL score of 701 and separately allows −1/ 0 scores.
- Source
- Baroda Portfolio backed Approved Limit () — official product page
- Page / section
- — Cutoff
- Accessed
- 29 Aug 2026
- Confidence
- high
Overdue chargeOverdue interest of 2% above the sanctioned rate applies to the overdue amount under BOB-PAL.View source
The specifies 2% above the sanctioned rate on overdue amounts.
- Source
- Baroda Portfolio backed Approved Limit () — official product page
- Page / section
- — Overdue Interest
- Accessed
- 29 Aug 2026
- Confidence
- high
Benchmarkspread is BRLLR + SP +1View source
The manually reviewed product record states: “9.40%–10.25% p.a., linked to /internal score; the published spread is + +1.25% to +2.10%.”.
- Source
- Baroda Portfolio backed Approved Limit () — official product page
- Page / section
- Published product metadata
- Accessed
- 15 Aug 2026
- Confidence
- high
Benefits and features
- Loan for personal needs without selling the pledged securities.
- High-value loans against approved securities, with up to ₹5 crore outstanding stated on the page.
- Easy repayment and transparent processing.
- Individuals with a Demat account with any depository participant are eligible to apply.
- Interest is charged only on the amount used from the overdraft limit.
Eligibility
- Individuals resident or non-resident, including staff members, who are engaged in gainful activity and have a regular source of income can apply.
- For a joint application, all security holders must be applicants or co-applicants; a co-applicant who is not a security holder must be a close relative of the holder.
- At least one applicant or co-applicant must be engaged in gainful activity with a regular source of income.
- The total outstanding per individual must remain within the ticket-size limits across the banking system.
- Approved securities must be held in dematerialised form and be on the bank's approved list.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Identity proof.
- Address proof.
- Income proof.
- Security details.
Related official documents
Approved Securities List 2026 24 26eligibility-list · current · accessed 15 Aug 2026
↗Bank of Baroda service charges — retail processing and prepayment scheduleofficial-service-charge-page · current · accessed 29 Aug 2026
↗Bank of Baroda loan product pages — eligibility, limits and chargesofficial-product-pages · current-at-review · accessed 29 Sept 2026
↗Baroda Portfolio backed Approved Limit (BOB-PAL) — official pageofficial-product-page · current · accessed 29 Aug 2026
↗Baroda Portfolio backed Approved Limit (BOB-PAL) — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗Baroda Portfolio backed Approved Limit (BOB-PAL) — current complete product-page reviewofficial-product-page · current; complete rendered page review · accessed 28 Sept 2026
↗Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
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