Personal, home, vehicle & other loans

bob Green Home Loan

Finance for certified green homes, with a 10 bps concession on eligible Home Loan rates and a 50% concession on card-rate fees; standard Home Loan rules still govern finance and appraisal.

Interest rate and green concession10 bps (0.10 percentage point) concession on the applicable Home Loan rate, subject to the applicable floor. The current standard floating spreads produce base ranges of 7.20%–8.95% p.a. at BRLLR 7.90%; final Green rates depend on the floor, loan limit and CIBIL score. The Bank’s rate-page note says concessions apply to floating-rate facilities.Maximum loan amountLocation table: Mumbai up to ₹20 crore; Hyderabad, New Delhi-NCR and Bengaluru ₹7.5 crore; other metros and Chandigarh/Panchkula/Mohali ₹5 crore; urban areas ₹3 crore; semi-urban/rural ₹1 crore. The same Home Loan FAQ separately says maximum ₹10 crore per unit.TenureUp to 30 years, including the construction moratorium; the Home Loan FAQ says the term cannot go beyond retirement or age 65, whichever is earlier. Green-specific applicant age: 21–60 years.

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✓ 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.

Permitted purposesPurchase or construction of a green residential property, purchase of a completed residential unit, and eligible renovation or improvement under existing home-loan norms; standalone plot purchase is not permitted.View source

Purchase or construction of a green residential property, purchase of a completed residential unit, and eligible renovation or improvement under existing home-loan norms; standalone plot purchase is not permitted.

Source: bob Green Home Loan
Page / section: Purpose and features
Accessed: 21 Aug 2026
Confidence: high

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Green-property interest concession10 basis points (0.10 percentage point) concession on the applicable Baroda Home Loan interest rate for a certified green residential property, subject to the applicable minimum floor rate.View source

10 basis points (0.10 percentage point) concession on the applicable Baroda Home Loan interest rate for a certified green residential property, subject to the applicable minimum floor rate.

Source: bob Green Home Loan
Page / section: Features and interest rate
Accessed: 21 Aug 2026
Confidence: high

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Processing/card-rate fee concession50% concession on the applicable home-loan card-rate fee; any upfront fee remains payable under extant Bank of Baroda guidelines.View source

50% concession on the applicable home-loan card-rate fee; any upfront fee remains payable under extant Bank of Baroda guidelines.

Source: bob Green Home Loan
Page / section: Fees and charges
Accessed: 21 Aug 2026
Confidence: high

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Eligible applicantsIndian citizens, NRIs, PIOs, salaried persons, self-employed persons and businessmen who satisfy the existing Baroda Home Loan eligibility and credit-appraisal norms.View source

Indian citizens, , , salaried persons, self-employed persons and businessmen who satisfy the existing Baroda Home Loan eligibility and credit-appraisal norms.

Source: bob Green Home Loan
Page / section: Eligibility
Accessed: 21 Aug 2026
Confidence: high

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Minimum applicant age21 years.View source

21 years.

Source: bob Green Home Loan
Page / section: Eligibility
Accessed: 21 Aug 2026
Confidence: high

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Maximum applicant age60 years, subject to existing Baroda Home Loan age-at-maturity rules.View source

60 years, subject to existing Baroda Home Loan age-at-maturity rules.

Source: bob Green Home Loan
Page / section: Eligibility
Accessed: 21 Aug 2026
Confidence: high

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Primary banking relationshipA primary banking relationship with Bank of Baroda is required.View source

A primary banking relationship with Bank of Baroda is required.

Source: bob Green Home Loan
Page / section: Eligibility and features
Accessed: 21 Aug 2026
Confidence: high

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House-ownership declarationApplicant must provide a self-declaration regarding house ownership as required under the scheme and existing home-loan process.View source

Applicant must provide a self-declaration regarding house ownership as required under the scheme and existing home-loan process.

Source: bob Green Home Loan
Page / section: Eligibility and documents
Accessed: 21 Aug 2026
Confidence: high

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Carpet-area conditionThe financed residential property must meet the carpet-area limits prescribed under the applicable green-home scheme norms.View source

The financed residential property must meet the carpet-area limits prescribed under the applicable green-home scheme norms.

Source: bob Green Home Loan
Page / section: Eligibility and property conditions
Accessed: 21 Aug 2026
Confidence: high

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Interest-rate basisThe applicable Baroda Home Loan rate and spread are used, with the 10 bps green-property concession applied subject to the scheme floor rate.View source

The applicable Baroda Home Loan rate and spread are used, with the 10 bps green-property concession applied subject to the scheme floor rate.

Source: bob Green Home Loan
Page / section: Interest rate
Accessed: 21 Aug 2026
Confidence: high

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Governing termsCredit appraisal, security, tenure, repayment, documentation and other terms follow Bank of Baroda Home Loan rules and applicable RBI guidelines.View source

Credit appraisal, security, tenure, repayment, documentation and other terms follow Bank of Baroda Home Loan rules and applicable guidelines.

Source: bob Green Home Loan
Page / section: Terms and conditions
Accessed: 21 Aug 2026
Confidence: high

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Certification documentsCurrent green-building certification documents must be submitted along with the normal home-loan KYC, income, property and security documents.View source

Current green-building certification documents must be submitted along with the normal home-loan , income, property and security documents.

Source: bob Green Home Loan
Page / section: Documents
Accessed: 21 Aug 2026
Confidence: high

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Credit appraisalThe facility is subject to Bank of Baroda's credit appraisal, documentation, property verification and sanction conditions.View source

The facility is subject to Bank of Baroda's credit appraisal, documentation, property verification and sanction conditions.

Source: bob Green Home Loan
Page / section: Terms and conditions
Accessed: 21 Aug 2026
Confidence: high

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EligibilityIndian citizens, NRIs and PIOs, including salaried, self-employed professionals and businesspersons, who qualify under the existing Baroda Home Loan scheme; valid IGBC, GRIHA, LEED or other approved green certification is required; minimum age 21 and maximum age 60.View source

The page lists eligible borrower types, certified-green-property requirement and age limits.

Source: bob Green Home Loan
Page / section: Eligible Customer / Certification Requirements
Accessed: 21 Aug 2026
Confidence: high

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Geographic limitsIndian citizens, NRIs and PIOs, including salaried, self-employed professionals and businesspersons, who qualify under the existing Baroda Home Loan scheme; valid IGBC, GRIHA, LEED or other approved green certification is required; minimum age 21 and maximum age 60.View source

The manually reviewed product record states: “Indian citizens, and , including salaried, self-employed professionals and businesspersons, who qualify under the existing Baroda Home Loan scheme; valid IGBC, GRIHA, LEED or other approved green certification is required; minimum age 21 and maximum age 60.”.

Source: bob Green Home Loan — official product page
Page / section: Published product metadata
Accessed: 21 Aug 2026
Confidence: high

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Loan typeGreen-certified residential home loan for purchase or construction, completed units, and eligible renovation or improvement; standalone plot purchase is excluded.View source

The Bank lists purchase/construction of green residential property, completed units and renovation/improvement; standalone plot purchase is not permitted.

Source: bob Green Home Loan — current official product page
Page / section: Purpose and eligible customer
Accessed: 23 Sept 2026
Confidence: high

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Green certificationValid project/building certification from IGBC, GRIHA, LEED or another Indian agency approved by Bank of Baroda.View source

The property must have valid green certification; examples named are IGBC, GRIHA and LEED, plus another Indian agency approved by the Bank.

Source: bob Green Home Loan — current official product page
Page / section: Eligible Customer — Certification Requirements
Accessed: 23 Sept 2026
Confidence: high

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Green page states a 10 bps concession subject to a minimum floor. The rate page gives 7.90% and floating spread −0.70% to +1.05% (base endpoints calculated from those figures); exact floor-adjusted Green range is not published. The rate-page note restricts Bank concessions to floating facilities.

Source: bob Green Home Loan concession and current Home Loan rate schedule
Page / section: Rate of Interest; current Retail Loan Home Loan rates and concessions footnote
Accessed: 23 Sept 2026
Confidence: high

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BenchmarkBRLLR 7.90% p.a., effective 6 December 2025; the Green Home Loan concession is subject to its minimum floor.Effective 6 Dec 2025View source

The rate page states 7.90% from 6 December 2025 (repo 5.25% plus markup/base spread 2.65%).

Source: Retail Loans Interest Rates — current and Home Loan rows
Page / section: Current heading and Home Loan floating rates
Accessed: 23 Sept 2026
Confidence: high

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Minimum incomeNRI/PIO/OCI applicants whose income is counted: combined gross annual income of at least ₹5 lakh. Resident applicants: assessed under the published repayment-capacity bands; the Bank does not give one fixed resident-income threshold.View source

Green Home Loan eligibility follows the existing Baroda Home Loan scheme. Its gives an // combined gross annual income threshold of ₹5 lakh and separate resident repayment-capacity bands.

Source: Baroda Home Loan — current official product page
Page / section: — // income and Repayment Capacity
Accessed: 23 Sept 2026
Confidence: high

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Maximum loan amountLocation table: Mumbai up to ₹20 crore; Hyderabad, New Delhi-NCR and Bengaluru ₹7.5 crore; other metros and Chandigarh/Panchkula/Mohali ₹5 crore; urban areas ₹3 crore; semi-urban/rural ₹1 crore. The same Home Loan FAQ separately says maximum ₹10 crore per unit.View source

Green Home Loan says maximum finance follows the existing Home Loan scheme. Its linked scheme page publishes location ceilings up to ₹20 crore in Mumbai, but the same page says ₹10 crore per unit; both statements are preserved.

Source: Baroda Home Loan — current official product page
Page / section: Maximum Loan Amount table versus
Accessed: 23 Sept 2026
Confidence: high

Open official source ↗

TenureUp to 30 years, including the construction moratorium; the Home Loan FAQ says the term cannot go beyond retirement or age 65, whichever is earlier. Green-specific applicant age: 21–60 years.View source

The existing Home Loan terms publish a maximum 30-year initial term and moratorium up to 36 months; the also applies an earlier-of retirement/65 endpoint. Green page publishes applicant age 21–60.

Source: Baroda Home Loan — current official product page
Page / section: Repayment Period and — maximum term; Green Home Loan age rule
Accessed: 23 Sept 2026
Confidence: high

Open official source ↗

Processing fee50% concession on the applicable Home Loan card-rate fee. The exact payable amount remains unresolved because the current tariff renders 50%/25%, while older Bank tariff material says 0.50%/0.25% with matching caps.Effective 1 Apr 2025View source

Green page states a 50% card-rate concession and upfront recovery under extant guidelines. Current tariff text has a decimal-format conflict against older 0.50%/0.25% Bank material; no rupee charge is calculated.

Source: Green Home Loan fee concession and current service-charge schedule
Page / section: Green Home Loan Fees & Charges; Mortgages & Retail Asset — Home Loan all variants
Accessed: 23 Sept 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureThe linked Home Loan page states nil pre-closure charges. The current tariff separately states nil for fixed-rate prepayment from own funds and 0.50% of outstanding amount for takeover by another lender; confirm rate-type treatment at sanction.Effective 1 Apr 2025View source

The product page and current tariff provide rate/source-specific terms; the general fee schedule's fixed-rate lender-takeover charge is retained rather than describing every repayment as free.

Source: Home Loan pre-closure and fixed-rate retail prepayment schedule
Page / section: Pre-Payment Charges under Fixed Rate Retail Loans; linked Home Loan pre-closure terms
Accessed: 23 Sept 2026
Confidence: high

Open official source ↗

Required documentsExisting Baroda Home Loan KYC, income, property and security documents, plus a valid green-project/building certificate from a Bank-approved agency and the house-ownership self-declaration. The current linked generic Home Loan checklist timed out; the retained 2018 checklist is not confirmed current.View source

The page requires valid green certification in addition to documents under the Bank's existing Home Loan scheme; it also lists a self-declaration of house ownership.

Source: bob Green Home Loan — current official product page
Page / section: Documents Required; Eligibility and Features
Accessed: 23 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

10 bps concession on the applicable Home Loan rate, subject to the scheme floor; Bank rate-page notes limit concessions to floating-rate facilities.
50% concession on applicable processing-fee card rates; the underlying current fee schedule has an unresolved decimal-format conflict.
Financing may cover purchase or construction of certified green residential property, completed residential units and eligible renovation or improvement; standalone plot purchase is excluded.

Eligibility

Indian citizens, and who satisfy the existing Baroda Home Loan rules.
Green project/property must have a valid certificate from IGBC, GRIHA, LEED or another agency approved by the Bank.
Published Green Home Loan age range: 21 to 60 years; a primary Bank of Baroda banking relationship, house-ownership self-declaration and applicable carpet-area norms are also listed.

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

Documents the bank lists

Documents required under the existing Baroda Home Loan scheme.
Valid green-project/building certification from an approved agency.
House-ownership self-declaration, as specified on the Green Home Loan page. The current linked generic Home Loan checklist could not be retrieved; the separately retained checklist is dated 19 April 2018 and is not represented as current.

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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.

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TableRequirement

Eligible applicants · Published conditionIndian citizens, and eligible under the existing Baroda Home Loan scheme

This value is copied from Green Home Loan: eligibility and property conditions. Check the table notes before relying on it.

Source: bob Green Home Loan — current official product page · Eligible Customer; Features; Purpose; Documents Required; Terms & Conditions Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 9 rows · 2 columnsGreen Home Loan: eligibility and property conditionsGreen-scheme-specific conditions from the current BOB product page.View tableHide table