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Mortgage Loan for

Loan Against Property for - Bank of Baroda offers mortgage Loan for up to Rs. 10 crores for those holding valid Indian Passport. Know more & apply for mortgage loan now!

Floating interest rateFor Baroda Mortgage Loan individuals, the current floating rate is 8.90%–11.50% p.a. (BRLLR + strategic premium + 0.75% to 3.35%), subject to risk rating. The retail rate page notes additional pricing for tenor above 120 months, limits above ₹7.50 crore and overdraft facilities; the NRI product page itself permits term loan or demand loan only.Maximum amountMinimum ₹2 lakh; maximum ₹10 crore at metro branches, ₹5 crore urban, ₹3 crore semi-urban and ₹25 lakh rural.TenureTerm loan: 120 months; overdraft: 12 months, subject to annual review.
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Quick eligibility check

Mortgage Loan for

0 of 9 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.

1Does your annual income meet this requirement: Minimum gross annual income (average of the last three years) ₹5 lakh, including eligible co-applicant income?

Published source: Minimum income

2Do you meet this requirement: Applicant must have regular employment, self-employment or business for at least 2 years and a foreign job contract/work permit valid for at least 2 years?

3Does your annual income meet this requirement: Minimum gross annual income, averaged over the last 3 years, is ₹5 lakh, including co-applicant income counted for the limit?

4Do you meet this requirement: Purpose may be any purpose except RBI-restricted or speculative activity?

5Do you meet this requirement: property developers/dealers/brokers and share/stock brokers are excluded?

6Document checkDo you have this required document or proof: Duly filled and signed application form with photograph?

Published source: Minimum income

7Document checkDo you have this required document or proof: Passport copy with visa stamp?

Published source: Minimum income

8Document checkDo you have at least one of these required documents: Proof of residence in India and abroad (driving licence, ration card, voter ID, passport, Aadhaar or registered rent agreement)?

Published source: Minimum income

9Document checkDo you have this required document or proof: Name, relationship, address and contact details of a local contact person?

Published source: Minimum income
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 15 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.

Loan typeMortgage term loan or demand loan for eligible NRIs against property; speculative purposes and HUFs/trusts/public limited companies are excluded.View source
The official page describes term/demand facilities for and the excluded purposes/entity types.
Source
Mortgage Loan for
Page / section
Eligibility / Terms
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum gross annual income (average of the last three years) ₹5 lakh, including eligible co-applicant income.View source
The eligibility section specifies average gross annual income of at least ₹5 lakh over the last three years.
Source
Mortgage Loan for
Page / section
Eligibility
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Maximum amountMinimum ₹2 lakh; maximum ₹10 crore at metro branches, ₹5 crore urban, ₹3 crore semi-urban and ₹25 lakh rural.View source
The official limit table publishes the location-wise maximums and ₹2 lakh minimum.
Source
Mortgage Loan for
Page / section
Terms and Conditions — Limit
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
TenureTerm loan: 120 months; overdraft: 12 months, subject to annual review.View source
The mortgage page states 120 months for term loans and 12 months for overdrafts.
Source
Mortgage Loan for
Page / section
Terms and Conditions — Repayment Period
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Processing feeTerm loan: 1% of loan amount, maximum ₹1,50,000 and minimum ₹7,500 upfront; overdraft up to ₹3 crore: 0.35% capped at ₹75,000; above ₹3 crore: 0.25% without a maximum, with ₹7,500 upfront minimum.View source
The official processing-charge section publishes the term-loan and overdraft slabs, caps and upfront minimum.
Source
Mortgage Loan for
Page / section
Terms and Conditions — Unified Processing Charges
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Property marginResidential property: 25%; commercial: 35%; industrial: 50%; other non-agricultural property: 50% of realizable value.View source
The current mortgage page publishes margin by property type.
Source
Mortgage Loan for
Page / section
Terms and Conditions — Margin
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Income multipliersSalaried: 30× GMI up to ₹75,000; 48× GMI above ₹75,000 to ₹3 lakh; 60× GMI above ₹3 lakh. Other applicants: 5× GAI up to ₹5 lakh; 6× GAI above ₹5 lakh to ₹8 lakh; 8× GAI above ₹8 lakh.View source
The page publishes separate and GAI multiplier bands.
Source
Mortgage Loan for
Page / section
Terms and Conditions — Income Multipliers
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Repayment capacity50% of GMI up to ₹75,000; 60% above ₹75,000 to ₹3 lakh; 70% above ₹3 lakh.View source
The page gives repayment-capacity percentages by band.
Source
Mortgage Loan for
Page / section
Terms and Conditions — Repayment Capacity
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Post-sanction inspection chargeFrom the second post-sanction inspection onward, ₹100 plus GST per inspection is charged to the borrower.View source
The inspection section states that the bank may inspect at all times and charges ₹100 plus from the second post-sanction inspection.
Source
Mortgage Loan for
Page / section
Terms and Conditions — Inspection
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Property insuranceThe property offered as security must be insured for its full value excluding land cost; the borrower bears the insurance charge.View source
The official page requires insurance of the secured property and assigns the cost to the borrower.
Source
Mortgage Loan for
Page / section
Terms and Conditions — Insurance
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureFor an individual NRI Mortgage Loan, the fixed-rate home/mortgage schedule publishes nil own-source prepayment and 0.50% of outstanding at takeover by another lender. The NRI product page does not publish a separate conflicting rule; floating-rate accounts remain subject to the applicable sanction terms.View source
The schedule lists nil own-source and 0.50% takeover charges for fixed-rate home/mortgage loans; the page does not publish another amount.
Source
Bank of Baroda service charges — Home Loan & Mortgage Loan
Page / section
Pre-Payment Charges under Fixed Rate Retail Loans — Home Loan & Mortgage Loan
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
Floating interest rateFor Baroda Mortgage Loan individuals, the current floating rate is 8.90%–11.50% p.a. (BRLLR + strategic premium + 0.75% to 3.35%), subject to risk rating. The retail rate page notes additional pricing for tenor above 120 months, limits above ₹7.50 crore and overdraft facilities; the NRI product page itself permits term loan or demand loan only.Effective 6 Dec 2025View source
The current Bank of Baroda rate page publishes Baroda Mortgage Loan individual floating rates from 8.90% to 11.50% p.a., with the , strategic-premium and risk-rating spread shown beside the band.
Source
Retail Loans Interest Rates — Baroda Mortgage Loan
Page / section
Baroda Mortgage Loan — Individuals: tenor up to 120 months and facility up to ₹7.50 crore
Accessed
29 Aug 2026
Confidence
high
Open official source ↗
BenchmarkBank of Baroda says BRLLR applies to all retail lending products. The current page lists BRLLR at 7.90% (repo 5.25% + markup/base spread 2.65%) effective 6 December 2025 and 1-year MCLR at 8.75% effective 12 August 2026. Product-specific spreads, CIBIL pricing and scheme conditions determine the applicable rate.Effective 12 Aug 2026View source
The page states that was introduced for all retail lending products and gives the current , repo-plus-spread composition and reference. It does not state that one single spread applies to every product.
Source
Bank of Baroda Retail Loans Interest Rates
Page / section
benchmark; benchmark; retail loan rate tables
Accessed
29 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Use income from an idle property.
  • Deposit surplus money to save interest.
  • Flexibility to withdraw money.
  • Available as a demand loan.
  • Competitive interest rate.
  • Loan available up to ₹25 crore.

Eligibility

  • Applicant must be an holding a valid Indian passport.
  • Applicant must have regular employment, self-employment or business for at least 2 years and a foreign job contract/work permit valid for at least 2 years.
  • Minimum gross annual income, averaged over the last 3 years, is ₹5 lakh, including co-applicant income counted for the limit.
  • Purpose may be any purpose except -restricted or speculative activity; property developers/dealers/brokers and share/stock brokers are excluded.
  • , trusts and public limited companies are not eligible.

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

Documents the bank lists

  • Duly filled and signed application form with photograph.
  • Passport copy with visa stamp.
  • Proof of residence in India and abroad (driving licence, ration card, voter , passport, Aadhaar or registered rent agreement).
  • Name, relationship, address and contact details of a local contact person.
  • savings-account statement for the last 6 months.
  • Overseas bank-account statement for the last 6 months, including salary account where applicable.
  • Statements of all existing loan accounts for the last year; for loans, account number and customer in the application.
  • Overseas credit-bureau report, if already obtained.
  • evidence where applicable: current passport showing Indian birth place, earlier Indian passport, or parent/grandparent passport substantiating status.
  • Salaried applicants: employment contract, certified salary slips for the last 6 months, current-employer identity card, continuous discharge certificate where applicable and latest work permit.
  • Self-employed applicants: balance sheets and profit-and-loss accounts, individual income-tax returns for the last 3 years, business/profession note, business proof (any two valid registrations), place-of-business address proof and continuous discharge certificate where applicable.
  • Property documents as applicable: agreement for sale, approved blueprint, non-agriculture certificate, commencement/completion/occupancy certificates, latest property-tax receipt, society/share certificate, builder/seller payment receipts, development agreement, chain of earlier agreements, advocate title-clearance report and bank-approved valuation report.
  • For takeover: existing loan account statement, property-document list acknowledged by the existing lender, sanction letter and foreclosure letter where available.

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 service charges — retail processing and prepayment scheduleofficial-service-charge-page · current · accessed 29 Aug 2026
↗
Mortgage Loan for NRI — official product pageofficial-product-page · current · accessed 29 Aug 2026
↗
Retail Loans Interest Rates — Baroda Mortgage Loanofficial-interest-rate-page · current · accessed 29 Aug 2026
↗
Bank of Baroda NRI/PIO loan pages — MITC and unified chargesofficial-product-pages · current · accessed 29 Aug 2026
↗
Bank of Baroda loan APR auditofficial-product-pages-and-rate-table · current-at-review · accessed 29 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

Property margin · Published detailResidential 25%; commercial 35%; industrial 50%; other non-agricultural 50% of realizable value

This value is copied from Mortgage Loan for — margin and income multipliers. Check the table notes before relying on it.

Source: Mortgage Loan for — official product page · Eligibility, margin, limit, income criteria and repayment capacity Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 6 rows · 2 columnsMortgage Loan for NRI — margin and income multipliersKey eligibility and security rules transcribed from the current NRI mortgage page.View tableHide table

Scroll sideways to view every column

Mortgage Loan for NRI — margin and income multipliers
RulePublished detail
Property marginResidential 25%; commercial 35%; industrial 50%; other non-agricultural 50% of realizable value
Salaried income multiplierGross monthly income up to ₹75,000: 30×; above ₹75,000 to ₹3 lakh: 48×; above ₹3 lakh: 60×
Other income multiplierGross annual income up to ₹5 lakh: 5×; above ₹5 lakh to ₹8 lakh: 6×; above ₹8 lakh: 8×
Income floorAverage gross annual income of the last three years must be at least ₹5 lakh, including eligible co-applicant income
Repayment capacity50% of up to ₹75,000; 60% above ₹75,000 to ₹3 lakh; 70% above ₹3 lakh
Loan limit₹2 lakh minimum; maximum ₹10 crore metro, ₹5 crore urban, ₹3 crore semi-urban and ₹25 lakh rural branches
  • The rate band is taken from the separate current retail-loan rate page; branch-level pricing and risk assessment can change the final offer.
Mortgage Loan for — official product page · Eligibility, margin, limit, income criteria and repayment capacity · accessed 29 Aug 2026Open official source ↗
Table 2 · 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 3 · 11 rows · 2 columnsMortgage Loan for NRI — limits, repayment and chargesComplete numeric terms transcribed from the current NRI mortgage page.View tableHide table

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Mortgage Loan for NRI — limits, repayment and charges
TermPublished detail
Minimum loan₹2 lakh
Maximum at metro branch₹10 crore
Maximum at urban branch₹5 crore
Maximum at semi-urban branch₹3 crore
Maximum at rural branch₹25 lakh
Term-loan repayment120 months
Overdraft repayment12 months, subject to annual review
Term-loan processing1% of loan amount; maximum ₹1,50,000; minimum ₹7,500 upfront
Overdraft up to ₹3 crore0.35% of limit; maximum ₹75,000
Overdraft above ₹3 crore0.25% of limit without maximum
Second post-sanction inspection₹100 plus per inspection
  • Margins and income-multiplier bands are preserved in the existing margin/income table; final pricing remains subject to sanction terms.
Mortgage Loan for · Terms and Conditions — Margin, Limit, Repayment Period and Unified Processing Charges · accessed 30 Aug 2026Open official source ↗

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