Bank of Baroda Home Loan

Bank of Baroda (BOB) offers home loan interest rates starting @ 7.45% p.a. for tenures of up to 30 years and loan amount up to Rs 20 crore. It also offers balance transfer facility to existing home loan borrowers of other banks and housing finance companies at lower interest rates. Bank of Baroda also offers pre-approved home loans with in-principle approval prior to the identification of the home property, valid for 4 months.

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Starting 7.40% p.a.

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Competitive Interest Rates

Starting 7.40% p.a.

Handpicked Home Loan Offers

Offers from 25+ Banks & HFCs

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Expert Assistance at Every Step

Transfer Balance & Get a Top-Up Easily

Additional Funds when Required

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Min Loan Amt. ₹15L

Rate of Interest7.9% - 13.2%

Tenure uptoUpto 30 Years

Processing Fee₹ 10,000

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Min Loan Amt. ₹30L

Rate of Interest8.25% - 11.90%

Tenure uptoUpto 30 Years

Processing Fee₹ 14,000

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Min Loan Amt. ₹15L

Rate of Interest8% - 9.8%

Tenure uptoUpto 30 Years

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Bank of Baroda Home Loan Highlights

Interest Rate	Floating rates: 7.45% – 9.50% p.a. Fixed rates: 9.15%-10.50% p.a.
Loan Amount	Up to Rs 20 crore
Loan Tenure	Up to 30 years, including a moratorium period of up to 3 years
Processing Charges	Loan amount up to Rs.50.00 lacs- 50%, Min: Rs.8,500/- and Max: Rs.15,000/- Loan amount greater than Rs.50.00 lacs- 25%, Min: Rs.8,500/- and Max: Rs.25,000/- Takeover: Flat Rs.8,500/- Top-up: 0.35%, Min: Rs.5,000/- and Max: Rs.12,500/-
Prepayment Charges	NIL
Collateral	Constructed or purchased property, insurance policies, shares and debentures, government promissory notes, gold ornaments, etc.

Note: Last Updated on 12th December 2025

Bank of Baroda Home Loan Interest Rates

Baroda Housing Loan and Home Improvement Loan

Particulars	Interest Rates
For Salaried	7.45%-9.20% p.a.
For Non-Salaried	7.45%-9.20% p.a.

Bank of Baroda Max Savings Home Loan - Up to Rs 75 lakh

Particulars	Interest Rates
For Salaried	7.45%-9.20% p.a.
For Non-Salaried	7.45%-9.20% p.a.

Bank of Baroda Max Savings Home Loan - Above Rs 75 lakh

Particulars	Interest Rates
For Salaried	7.70%-9.45% p.a.
For Non-Salaried	7.70%-9.45% p.a.

Bank of Baroda Top Up Home Loan

Particular	Interest Rate
Top-up Home Loan	Applicable ROI on linked Home Loan (Based on BRLLR on the date of availment of Top up Loan) + Strategic Premium (0.25%) + 0.60%

Note:

The interest rate is dependent on the loan limit and CIBIL score of the applicants.
A risk premium of 0.05% will remain applicable for customers not obtaining credit insurance cover.

Bank of Baroda Home Loan Fixed Interest Rates

The below-mentioned Bank of Baroda Fixed Interest rates are linked to RLLR.

Baroda Housing Loan and Home Improvement Loan

Particulars	Interest Rates
For Salaried	9.15%-10.20% p.a.
For Non-Salaried	9.25%-10.20% p.a.

Bank of Baroda Max Savings Home Loan

Loan amount	Interest Rates
Up to Rs 75 lakh	9.15%-10.20% p.a.
Above Rs 75 lakh	9.40%-10.45% p.a.

Bank of Baroda Top Up Home Loan

Particular	Interest Rate
Top-up Home Loan	Applicable ROI on linked Home Loan + Strategic Premium (0.25%) + 0.60%

Note: A risk premium of 0.05% will remain applicable for customers not obtaining credit insurance cover.

BOB Home Loan Interest Rates vs Top Banks & HFCs

Edit
Name of Lender	Loans of Up to Rs. 30 Lakh
Bank of India	7.35% p.a. onwards	Check Eligibility
State Bank of India	7.50% p.a. onwards	Check Eligibility
Punjab National Bank	7.50% p.a. onwards	Check Eligibility
Canara Bank	7.40% p.a. onwards	Check Eligibility
HDFC Bank	7.90% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.45% p.a. onwards	Check Eligibility
ICICI Bank	8.75% p.a. onwards	Check Eligibility
Axis Bank	8.30% p.a. onwards	Check Eligibility
Federal Bank	8.75% p.a. onwards	Check Eligibility
Kotak Mahindra Bank	7.99% p.a. onwards	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	Check Eligibility
IDBI Bank	7.55% p.a. onwards	Check Eligibility
RBL Bank	8.20% p.a. onwards	Check Eligibility
Tata Capital Housing Finance	7.75% p.a. onwards	Check Eligibility
PNB Housing Finance	8.25% p.a. onwards	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards	Check Eligibility
India Shelter Home Loan	10.50% p.a. onwards	Check Eligibility
L&T Finance Limited	8.70% p.a. onwards	Check Eligibility
Godrej Housing Finance	7.75% p.a. onwards	Check Eligibility
Home First Finance	8.00% p.a. onwards	Check Eligibility
Easy Home Finance	11% p.a. onwards	Check Eligibility
Piramal Capital Housing Finance	9.49% p.a. onwards	Check Eligibility
Shubham Housing Finance	10.45% p.a. onwards	Check Eligibility
Punjab & Sind Bank	7.55% p.a. onwards	Check Eligibility
Jio Housing Finance	8.20% p.a. onwards	Check Eligibility
HDFC Sales Pvt Ltd	7.90% p.a. onwards	Check Eligibility

Swipe to see more table data

Types of Bank of Baroda (BOB) Home Loan

Bank of Baroda Home Loan

Purpose:

Bank of Baroda offers regular home loans to its applicants for purchasing flats/houses, construction of homes, plot purchase and extension of existing property.

Loan Amount:

Mumbai- Up to Rs 20 crore
Hyderabad, New Delhi (including National Capital Region) and Bengaluru – Up to Rs 7.50 crore
Other Metros – Up to Rs 5 crore
Urban Areas- Up to Rs 3 crore
Semi-urban and Rural- Up to Rs 1 crore
Chandigarh, Panchkula and Mohali- Up to Rs 5 crore

LTV Ratio:

Particular	Details
Loan amounts up to Rs 30 lakh	90%
Loan amount above Rs 30 lakh-Rs 75 lakh	80%
Loan amount above Rs 75 lakh	75%

Tenure:

Bank of Baroda provides home loans for repayment tenure of up to 30 years, including the maximum moratorium period of 3 years.

BOB Max Savings Home Loan

Purpose:

Consumers can use the Baroda Home Loan Advantage for the purchase and construction of a house/flat, the purchase of residential plots and construction of the home, the extension of existing dwelling units, home loan balance transfer, etc. This facility also comes with a linked overdraft account, opened in the form of a savings account, wherein the home loan borrower can deposit his savings and make withdrawals from it as per his requirements.

The balance maintained in the savings account is deducted from the outstanding home loan amount and thereby, helps in reducing the interest cost for the borrower.

Loan Amount:

Mumbai- Up to Rs 20 crore
Other Metro Cities- Up to Rs 5 crore
Hyderabad, New Delhi, Bengaluru- Up to Rs 7.50 crore
Urban Areas- Up to Rs 3 crore
Semi-urban and Rural- Up to Rs 1 crore
Tri-city in Chandigarh region (Chandigarh, Panchkula and Mohali)- Up to Rs 5 crore

LTV Ratio:

Particular	Details
Loan amounts up to Rs 30 lakh	90%
Loan amount above Rs 30 lakh-Rs 75 lakh	80%
Loan amount above Rs 75 lakh	75%

Tenure:

The repayment tenure of the BOB Max Savings home loan is up to 30 years. The loan tenure also includes the maximum moratorium period of 36 months.

Bank of Baroda Home Loan Takeover Scheme

Purpose:

Existing home loan borrowers of other banks/HFCs can avail Bank of Baroda Home Loan Balance Transfer facility for transferring their existing home loans to Bank of Baroda at lower interest rates.

Loan Amount:

Mumbai- Up to Rs 20 crore
Other Metro Cities- Up to Rs 5 crore
Hyderabad, New Delhi and Bengaluru – Rs 7.50 crore
Urban Areas- Up to Rs 3 crore
Semi-urban and Rural- Up to Rs 1 crore
Chandigarh, Panchkula and Mohali- Up to Rs 5 crore

LTV Ratio:

Particular	Details
Loan amounts up to Rs 30 lakh	90%
Loan amount above Rs 30 lakh-Rs 75 lakh	80%
Loan amount above Rs 75 lakh	75%

Tenure:

Bank of Baroda provides a balance transfer facility for repayment tenure of up to 30 years, including the maximum moratorium period of 3 years.

Bank of Baroda Home Improvement Loan

Purpose:

Consumers can avail Baroda Home Improvement Loan to repair or renovate existing homes including the purchase of new furniture, furnishings and fittings such as fans, geysers, air conditioners, air purifiers, water filters, etc.

Loan Amount:

Up to Rs 50 lakh

LTV Ratio:

Particular	Details
Loan amounts up to Rs 30 lakh	90%
Loan amount above Rs 30 lakh-Rs 75 lakh	80%
Loan amount above Rs 75 lakh	75%

Tenure:

The bank offers a maximum repayment tenure of 15 years for home improvement loans, which includes a moratorium period of 6 months.

BOB Pre-Approved Home Loan

Purpose:

Prospective home buyers who are yet to identify houses/flats/plots for purchase can avail Baroda Pre-approved Home loan. This facility offers an in-principle home loan sanction letter with a 4-month validity to the prospective buyer, subject to his home loan eligibility. A pre-approved home loan sanction letter can help the prospective borrower by providing him with better negotiating powers.

Bank of Baroda Top-up Loan

Purpose:

Existing home loan borrowers including NRIs and PIOs can avail BOB Home Loan Top-up facility over and above the existing home loan to meet their personal requirements.

Loan Amount: Rs 1 lakh- Rs 10 crore

LTV Ratio: 75% of residual value of house property

Tenure: should not exceed 70 years of age

BOB Credit Risk Guarantee Fund Scheme for Low Income Housing

Purpose: Under Credit Risk Guarantee Fund Scheme is an affordable housing scheme wherein the Credit Risk Guarantee Fund Trust offers a credit risk guarantee fund to lenders against their home loans of up to Rs 5 lakh offered to individuals belonging to Economically Weaker Sections and Low Income Groups in urban areas.

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Apply for Bank of Baroda Home Loan

Applicants can apply for Bank of Baroda Home Loan either through the official website of the bank or through the Bank of Baroda mobile app, Bob World. They can also visit the Bank of Baroda branch to apply for a home loan. Prospective borrowers can also apply through online financial marketplace like Paisabazaar to apply for Bank of Baroda Home Loan.

BOB Home Loan Processing Fees & Charges

Loan amount upto Rs.50.00 lacs- 50%, Min: Rs.8,500/- and Max: Rs.15,000/-
Loan amount greater than Rs.50.00 lacs- 25%, Min: Rs.8,500/- and Max: Rs.25,000/-
Takeover- Flat Rs.8,500/-
Top-up- 0.35%, Min: Rs.5,000/- and Max: Rs.12,500/-
Baroda Yoddha Home Loan- NIL , Out of Pocket expenses- Rs.8,500/- per property

Bank of Baroda Home Loan Documents Required

A detailed list of documents required for Bank of Baroda Home Loan for various occupation profiles has been presented below.

List of Common Documents

Duly fill in the application form (with a photograph of the applicant)
Proof of Residence (Aadhaar Card, Voter’s ID Card, Passport, Driving License, Ration Card, etc.)
Proof of Age (PAN card, Aadhaar Card, Voter’s ID Card, Birth Certificate, Passport, Driving License, etc.)
Proof of assets held such as LIC, NSC, KVP, MF, Property
Asset and liability statement
ITR verification report

Additional BOB Home Loan Documents Requirement

For Salaried Individuals

Latest 3 months’ salary slip and 1 month salary slip for a guarantor
Copy of employee ID card issued by the employer
Past 1-year ITR and Form 16 of applicant and guarantor
Bank account statement for the past 6 months or Bank account number if the account is with Bank of Baroda
Appointment letter, confirmation letter, promotion letter or increment letter evidencing the duration of employment

For Self-employed Individuals/Professionals/Others

Balance sheet and profit and loss account with income computation for last 2 years
ITR for last 2 years, 26AS, Traces
IT assessment, clearance certificate, Income Tax challan, TDS certificate (Form 16A), Form 26AS for income declared in ITR
Business Proof: Gumasta license, Service Tax Registration, Registration Certificate, etc.

In case of applicants engaged in business through Partnership Firm/Private Ltd. Company

Address Proof or PAN Card of Firm/Company
ITR and audited results of last 2 years of Firm or Company
Memorandum and AOA of the company
Current account statement for last 1 year

For Farmers or Agriculturists

Talati’s/Gram Sevak/Village Revenue Officer Certificate for income of the past 2 years and Mamladaar’s/Block Revenue Officer certificate for income of the past 2 years
Bank account statement for the past 12 months (individual)
Land revenue records- Form 6, 7/12, 8A

For NRI/PIO/OCI

Duly filled application form with signatures and photographs
Copy of passport with VISA stamped
Details of the individual such as name, address, relation, contact numbers of local contact person
Residence Proof (India and abroad): Driver’s license, ration card, voter ID, passport, Aadhar card, , registered rent agreement, etc.
Overseas bank account statement for the last 6 months
NRE savings bank statement of account for the last 6 months
Account statement for all existing loans for the last 1 year
Credit check reports from Overseas Credit Bureau

For PIO:

Current passport showing birthplace in India or abroad
Indian passport, if held earlier
Passport of parents or grandparents with details substantiating his claim of being a PIO

Salaried Individuals (For NRI/PIO/OCI):

Employment contract copy in vernacular language
Copy of ID card issued by the current employer
Copy of ITR of the individual for the last 2 years (India/abroad)
Latest salary slips for the last 6 months
Continuous discharge certificate, if applicable
Copy of latest work permit

Self-employed Individuals (For NRI/PIO/OCI):

Balance sheet and profit and loss account of business or profession
Copies of individual’s ITR for the last 3 years (India/abroad)
Continuous discharge certificate, if applicable
Business proof, place of business and address proof
A note giving information on the nature of business or profession

Eligibility Criteria for Bank of Baroda Home Loan

Bank of Baroda Home Loan eligibility criteria is set based on the home loan schemes opted by its applicants and their age, credit score, business vintage/work experience and repayment history. The eligibility criteria for various types of BOB home loan schemes are mentioned below.

For BOB Home Loan

Resident Indian, Non-Resident Indian, Person of Indian Origin, Overseas Citizen of India
Age: 21-70 years

For BOB Home Loan Takeover

Age: 21-70 years

For Individual Applicants:

Minimum CIBIL Score- 701
At least 12 EMIs paid already
Satisfactory repayment track record

For Non-Individual Applicants:

An individual applicant/co-applicant should be present in the proposed loan.
At least 18 EMIs should have been paid.
The firm/company should:
- have been incorporated for at least 5 years
- be engaged in business activities for the past 2 years
- be earning cash profits for the past 2 years
- have a positive net worth
- have a satisfactory CIBIL rating
- not have slipped into the SMA2 category for the last 12 months
- not be in the RBI defaulter’s list, ECGC Caution list/SAL, Suit filed/Non-Suit filed CIBIL list, CRILIC, etc.
BOB Credit Risk Guarantee Fund Scheme for Low Income Housing
- New individual borrowers of housing loans of up to Rs 8 lakh under the EWS/LIG category.
- Housing unit size up to 430 sq. ft. carpet area.

Bank of Baroda Home Loan Customer Care Number

Below-mentioned are the toll-freeBank of Baroda Home Loan customer care numbers:-

1800 5700
1800 5000
For NRIs:+91 79-66296009

Bank of Baroda Home Loan for Women

Bank of Baroda does not offer any exclusive home loan scheme exclusively for women. However, as a part of the festive offer, the bank is providing a 0.05% interest concession on home loans to its women. Thus, female individuals seeking to avail home loans from the Bank of Baroda can apply for its existing home loan schemes and avail the interest rate concessions.

What are the benefits of availing Bank of Baroda Home Loan?

The benefits of the Bank of Baroda Home Loan are as follows:

Bank of Baroda offers home loan interest rates starting from 7.45% p.a. onwards, one of the lowest offered by home lenders in India.
Applicants can avail loan amounts of up to Rs 20 crore.
Bank of Baroda offers longer loan tenures of up to 30 years.
Existing home loan borrowers can avail easy top-up loans over and above their existing Bank of Baroda Home Loans.

How Can I Apply for a Home Loan Online?

Get up to ₹5 Crore in 5 Simple Steps

Step 1: Enter your mobile number in the application form.

Step 2: Verify using the OTP sent to your mobile number.

Step 3: Enter details related to your loan requirements.

Step 4: Provide your personal and employment details.

Step 5: Compare offers and apply for the best-suited loan.

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Bank of Baroda Home Loan

Paisabazaar Exclusive Benefits

Home Loan EMI Calculator

Your Monthly EMI Payment

Find Best Home Loan Offers

Quick Links

How Can I Apply for a Home Loan Online?

Bank of Baroda Home Loan Highlights

Bank of Baroda Home Loan Interest Rates

BOB Home Loan Interest Rates vs Top Banks & HFCs

Types of Bank of Baroda (BOB) Home Loan

Bank of Baroda Home Loan

BOB Max Savings Home Loan

Bank of Baroda Home Loan Takeover Scheme

Bank of Baroda Home Improvement Loan

BOB Pre-Approved Home Loan

Bank of Baroda Top-up Loan

BOB Credit Risk Guarantee Fund Scheme for Low Income Housing

Apply for Bank of Baroda Home Loan

BOB Home Loan Processing Fees & Charges

Bank of Baroda Home Loan Documents Required

List of Common Documents

Additional BOB Home Loan Documents Requirement

Eligibility Criteria for Bank of Baroda Home Loan

For BOB Home Loan

For BOB Home Loan Takeover

BOB Credit Risk Guarantee Fund Scheme for Low Income Housing

Bank of Baroda Home Loan Customer Care Number

Bank of Baroda Home Loan for Women

What are the benefits of availing Bank of Baroda Home Loan?

How Can I Apply for a Home Loan Online?

Home Loan Articles

What our customers say

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