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Baroda Yoddha Auto Loan for Defence Personnel

Bank of Baroda offers car loan at specialized rates for defence personnel. Baroda Yoddha Auto Loan is specially designed for Indian armed forces & Central Forces. Apply Now!

Interest rateThe Yoddha page links to the current Baroda Car Loan schedule. New-car fixed rate: 8.50%–11.20% p.a.; floating rate: 7.60%–11.30% p.a. (BRLLR − 0.30% to BRLLR + Strategic Premium + 3.15%). The applicable rate is CIBIL- and scheme-dependent; the Yoddha page does not publish a separate defence-only numeric rate.Maximum financeUp to 90% of the on-road price, with uniform 10% margin; credit-life premium may take total LTV up to 95%.Maximum loan amountUp to ₹3 crore, with up to 90% of the on-road price financed; credit-life premium may take total LTV to 95%.
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Quick eligibility check

Baroda Yoddha Auto Loan for Defence Personnel

0 of 7 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: The actual repayment-capacity rule is numerical: salaried/pensioner GMI below ₹50,000 allows total deductions including the proposed EMI up to 60%?

Published source: Income eligibility

2Do you meet this requirement: ₹50,000–below ₹1,50,000 up to 70%?

Published source: Income eligibility

3Do you meet this requirement: ₹1,50,000 or more up to 80%?

Published source: Income eligibility

4Do you meet this requirement: the last three months' GMI is considered?

Published source: Income eligibility

5Do you meet this requirement: Serving or retired personnel of the Indian Army, Navy, Air Force, Coast Guard, Assam Rifles, BSF, ITBP, SSB, CISF or CRPF?

Published source: Eligibility

6Document checkDo you have this required document or proof: Documents required under the Bank of Baroda Car Loan checklist?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: Additional employment certificate signed by the competent authority/Commanding Officer or Officer Commanding, showing the applicant's name, rank, unit, service number, identity-card number, photograph, signature and purpose?

Published source: Eligibility
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of Baroda

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

Key facts

What the official sources publish

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

Maximum financeUp to 90% of the on-road price, with uniform 10% margin; credit-life premium may take total LTV up to 95%.View source
The official page states uniform 10% margin, 90% on-road financing and the credit-life exception.
Source
Baroda Yoddha Auto Loan for Defence Personnel
Page / section
Margin Norms & Loan to Value
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Maximum tenureUp to 7 years.View source
The features section says repayment can extend up to seven years.
Source
Baroda Yoddha Auto Loan for Defence Personnel
Page / section
Features
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Prepayment / closureFloating-rate: nil. Fixed-rate: 2% + GST on the prepaid amount above ₹40,000 during the first year.View source
The page separates nil floating-rate charges from the first-year fixed-rate threshold and charge.
Source
Baroda Yoddha Auto Loan for Defence Personnel
Page / section
Pre-Closure / part payment Charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Loan typeVehicle loanView source
The official product name identifies this as “Baroda Yoddha Auto Loan for Defence Personnel”.
Source
Baroda Yoddha Auto Loan for Defence Personnel — official product page
Page / section
Official product name and loan classification
Accessed
15 Aug 2026
Confidence
high
Open official source ↗
Interest rateThe Yoddha page links to the current Baroda Car Loan schedule. New-car fixed rate: 8.50%–11.20% p.a.; floating rate: 7.60%–11.30% p.a. (BRLLR − 0.30% to BRLLR + Strategic Premium + 3.15%). The applicable rate is CIBIL- and scheme-dependent; the Yoddha page does not publish a separate defence-only numeric rate.Effective 12 Sept 2026View source
The linked official page publishes the current new-car ranges and formulas; no separate Yoddha defence-personnel range is shown.
Source
Baroda Car Loan and current retail loan rates
Page / section
Interest rates and charges — fixed/floating new-car rows; Yoddha page link
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
BenchmarkBOB's current retail page publishes BRLLR at 7.90% p.a. (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025, and 1-year MCLR at 8.75% effective 12 September 2026. These are reference rates, not a customer-specific Yoddha quote.Effective 12 Sept 2026View source
The current page gives construction, effective date and table; it does not convert these benchmarks into a final sanctioned Yoddha rate.
Source
Bank of Baroda Retail Loans Interest Rates
Page / section
Repo// benchmark section
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Income eligibilityNo fixed minimum income amount is published. The actual repayment-capacity rule is numerical: salaried/pensioner GMI below ₹50,000 allows total deductions including the proposed EMI up to 60%; ₹50,000–below ₹1,50,000 up to 70%; ₹1,50,000 or more up to 80%; the last three months' GMI is considered.View source
The page publishes bands and deduction caps, not a fixed salary floor; the bands are retained as the useful public eligibility fact.
Source
Baroda Yoddha Auto Loan — income and rules
Page / section
— Repayment Capacity:
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Maximum loan amountUp to ₹3 crore, with up to 90% of the on-road price financed; credit-life premium may take total LTV to 95%.View source
The product page publishes ₹3 crore maximum and the publishes 10% margin, 90% on-road financing and the credit-life exception.
Source
Baroda Yoddha Auto Loan — current limit and
Page / section
Maximum Loan Amount; Margin Norms & Loan to Value Ratio
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
TenureUp to 7 years (84 months).View source
The Yoddha page says up to seven years and the linked car page expresses the same maximum as 84 months.
Source
Baroda Yoddha Auto Loan — repayment tenure
Page / section
Features — tenure; linked Car Loan — Repayment Period
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Processing feeNil for Baroda Yoddha Loan customers. The generic linked Car Loan schedule otherwise lists ₹1,500 + GST up to ₹10 lakh and ₹2,000 + GST above ₹10 lakh.Effective 1 Apr 2025View source
The service schedule explicitly states nil for Baroda Yoddha Loan customers and separately lists generic car-loan slabs.
Source
Car Loan and Yoddha processing charges
Page / section
Car Loan & Digital Car Loan service-charge row
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureOfficial wording conflicts by section: the Yoddha benefits block says no prepayment/part-payment charges; its MITC says floating-rate ROI is nil, while fixed-rate loans attract 2% + GST on the amount prepaid above ₹40,000 during the first year. Preserve both statements and confirm the applicable fixed-rate treatment with BOB.View source
The benefit label and are both present on the same current official page but do not state the same fixed-rate scope; no value was silently discarded.
Source
Baroda Yoddha Auto Loan — prepayment terms
Page / section
Benefits; — Pre-Closure / part payment Charges
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
EligibilityServing or retired personnel of the Indian Army, Navy, Air Force, Coast Guard, Assam Rifles, BSF, ITBP, SSB, CISF or CRPF; individuals may borrow singly or jointly as resident Indians. A close relative may co-apply for higher eligibility and the income-counted applicant/co-applicant must be employed, in business or in a profession.View source
The page lists the covered Armed Forces/Central Forces, serving and retired status, resident-individual route and close-relative co-applicant rule.
Source
Baroda Yoddha Auto Loan — eligibility
Page / section
Eligibility Criteria; — Target Group and Eligibility of Borrower(s)
Accessed
29 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsResident Indian individuals are eligible; the official page does not publish a state, city or branch restriction beyond the residency rule and ordinary Bank of Baroda channel availability.View source
The says individuals may borrow singly or jointly as Resident Indians and gives no narrower geographic limit.
Source
Baroda Yoddha Auto Loan — borrower geography
Page / section
— Eligibility of Borrower(s)
Accessed
29 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Exclusive car loan for serving or retired defence and central-force personnel, with lower interest and daily-reducing-balance interest charges.
  • Up to 90% of on-road price can be financed; the published maximum loan amount is ₹3 crore and tenure is up to 7 years.
  • Nil processing charges and no prepayment/part-payment charges for floating-rate loans are published; fixed-rate early part-payment above ₹40,000 attracts 2% plus during the first year.
  • A free close-relative co-applicant can be added for higher eligibility; uniform margin is 10% and credit-life premium may take to 95%.
  • Repayment-capacity thresholds use gross monthly income: 60% deduction cap below ₹50,000, 70% from ₹50,000 to below ₹1,50,000 and 80% at ₹1,50,000 or more.

Eligibility

  • Serving personnel of the Indian Army, Indian Navy, Indian Air Force and Indian Coast Guard.

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

Documents the bank lists

  • Documents required under the Bank of Baroda Car Loan checklist.
  • Additional employment certificate signed by the competent authority/Commanding Officer or Officer Commanding, showing the applicant's name, rank, unit, service number, identity-card number, photograph, signature and purpose.

Related official documents

Bank of Baroda Retail Loans Interest Rates — current BRLLR and MCLR referencesofficial-interest-rate-page · current · accessed 29 Aug 2026
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
↗
Baroda Yoddha Auto Loan — official spotlight image routeofficial-product-image · blocked-cache-miss · accessed 29 Sept 2026
↗
Baroda Yoddha Auto Loan — income and FOIR criteriaofficial-product-page · current · accessed 29 Aug 2026
↗
Baroda Car Loan — linked current rate, eligibility, documents and MITC pageofficial-product-page · current; complete linked-page review · accessed 29 Sept 2026
↗
Baroda Car Loan — official rate and charge table linked from Yoddha Auto Loanofficial-product-page · current · accessed 29 Aug 2026
↗
Baroda Yoddha Auto Loan — official pageofficial-product-page · current · accessed 7 Sept 2026
↗
Baroda Yoddha Auto Loan for Defence Personnel — current official product pageofficial-product-page · current; complete rendered page review · accessed 29 Sept 2026
↗
Retail Loans Interest Rates — current BOB benchmark and auto-loan rowsofficial-interest-rate-page · current; relevant rows fully reviewed · accessed 29 Sept 2026
↗
Service Charges — current car-loan/Yoddha processing rowofficial-service-charge-page · current; relevant rows fully reviewed · accessed 29 Sept 2026
↗

Plan before applying

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

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

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

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

Published tables

Complete rates, limits and schedules

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

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

Scroll sideways to view every column

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

Scroll sideways to view every column

Yoddha Auto Loan — linked Baroda Car Loan rates
OptionVehiclePublished rateConditions
FloatingNew car7.60%–11.30% p.a.; −0.30% to + Strategic Premium +3.15%-based pricing; minimum cut-off 701
FixedNew car8.50%–11.20% p.a.-based pricing; 0.05% concession with Group Credit Life Insurance subject to the published floor
ProcessingYoddha customerNilThe Car Loan page explicitly lists nil processing for Baroda Yoddha Loan customers
PrepaymentFloating Yoddha loanNilThe Yoddha page states nil floating- pre-closure/part-payment charges; fixed-rate conditions are separately published on that page
  • The rate range is the linked standard new-car table; the Yoddha page does not publish a separate numeric defence-only rate.
Baroda Car Loan — Bank of Baroda · Interest rates & charges; Unified Processing Charges · effective 29 Aug 2026 · accessed 29 Aug 2026Open official source ↗
Table 3 · 11 rows · 2 columnsBaroda Yoddha Auto Loan — current published termsDirect transcription and linked-source reconciliation for the defence-personnel car loan.View tableHide table

Scroll sideways to view every column

Baroda Yoddha Auto Loan — current published terms
TopicPublished detail
Target groupServing and retired personnel of the Indian Army, Navy, Air Force, Coast Guard, Assam Rifles, , , , and ; resident individuals singly or jointly.
Co-applicantsClose relatives listed on the may join to improve eligibility; applicant/co-applicant income may be employment, business or profession income.
Finance and marginUp to ₹3 crore; up to 90% of on-road price with a uniform 10% margin. Credit-life premium may take total to 95%.
Tenure and ageUp to 7 years; applicant minimum age 21, co-applicant 18; applicant/co-applicant/guarantor age plus repayment must not exceed 70.
RateLinked Baroda Car Loan rows: fixed 8.50%–11.20% p.a.; floating 7.60%–11.30% p.a., −0.30% to + +3.15%; pricing depends on and scheme conditions.
BenchmarkCurrent retail 7.90% (repo 5.25% + markup/base spread 2.65%), effective 6 December 2025; 1-year 8.75%, effective 12 September 2026.
ProcessingNil for Baroda Yoddha Loan customers; the linked generic car schedule otherwise lists ₹1,500 + up to ₹10 lakh and ₹2,000 + above ₹10 lakh.
PrepaymentYoddha benefits text says no prepayment/part-payment charges; says floating nil but fixed attracts 2% + above ₹40,000 during the first year. Preserve both official statements; confirm applicable fixed-rate treatment.
Repayment capacityFor salaried/pensioner : below ₹50,000 allows deductions up to 60%; ₹50,000–below ₹1,50,000 up to 70%; ₹1,50,000 or more up to 80%; last three months' is averaged.
DocumentsCar-loan checklist: /age proof, application/photos, residence proof, six-month bank statement and income-specific records. Additional commanding/officer certificate must show name, rank, unit, service number, -card number, photo/signature and purpose.
reviewNo product-specific Yoddha Auto , brochure, or download was linked or discoverable in the current official page/catalogue review; the web-page and linked car-loan page are preserved instead.
  • The Yoddha product page does not publish a separate numeric defence-only rate; its interest-rate section links to the generic Car Loan page.
  • The benefits statement and fixed-rate prepayment clause are both official and conflict in scope; no one-sided interpretation was made.
Baroda Yoddha Auto Loan — current published terms · Benefits; Eligibility; Documents Required; ; linked Car Loan and retail rate/service-charge schedules · accessed 29 Sept 2026Open official source ↗

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