Bank of Baroda Home Loan Balance Transfer

Bank of Baroda Home Loan Balance Transfer Highlights
Interest Rate	7.45% – 9.50% p.a.
Loan Amount	Up to Rs 20 crore
Tenure	Up to 30 years
Processing Fees	NIL

Rates as of 21 August 2025

Bank of Baroda Home Loan Balance Transfer 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: 

• Home loan interest rate would depend on loan amount and CIBIL Score of the loan applicants.
• Risk Premium of 0.05% will remain applicable for customers not availing credit insurance cover

Compare Bank of Baroda Home Loan Balance Transfer Interest Rates with Other Lenders

Name of Lender	Loans of Up to Rs. 30 Lakh
Bank of India	7.10% p.a. onwards	Check Eligibility
State Bank of India	7.25% p.a. onwards	Check Eligibility
Punjab National Bank	7.20% p.a. onwards	Check Eligibility
Canara Bank	7.15% p.a. onwards	Check Eligibility
HDFC Bank	7.90% p.a. onwards	Check Eligibility
Bajaj Housing Finance	7.40% p.a. onwards	Check Eligibility
ICICI Bank	7.65% p.a. onwards	Check Eligibility
Axis Bank	*8.25% p.a. onwards	Check Eligibility
Federal Bank	*7.90% p.a. onwards	Check Eligibility
Kotak Mahindra Bank	7.70% p.a. onwards	Check Eligibility
IDFC FIRST Bank	8.85% p.a. onwards	Check Eligibility
IDBI Bank	7.35% 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	*7.20% p.a. onwards	Check Eligibility
Sammaan Capital (Formerly known as Indiabulls Housing Finance)	8.75% p.a. onwards	Check Eligibility
India Shelter Home Loan	8.43% p.a. onwards	Check Eligibility
L&T Finance Limited	*8.40% 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	8.99% p.a. onwards	Check Eligibility
Piramal Capital Housing Finance	*8.25% p.a. onwards	Check Eligibility
Shubham Housing Finance	10.45% p.a. onwards	Check Eligibility
Punjab & Sind Bank	7.30% 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

Eligibility Criteria for Availing Bank of Baroda Home Loan Balance Transfer

• Resident Indians, NRIs and PIOs can avail Bank of Baroda Home Loan Balance Transfer facility.
• Minimum age of the applicant should be 21 years and that of the co-applicant should be 18 years at the time of loan application.
• Maximum age at the time of loan maturity should be 70 years.
• Individuals can apply for Home Loan Balance Transfer singly or jointly.
• Non-individuals can apply as applicant/co-applicant/guarantor along with the individuals.
• Applicants having a minimum CIBIL score of 710 have higher chances of getting their home loan applications approved.
• Individuals should have paid at least 12 EMIs of their existing home loan.

Documents Required for Loan Application

• Duly filled application form with signatures and photographs
• ID Proof- PAN Card (mandatory), Driving License, Passport, Aadhar Card, Voter ID
• Address Proof- Ration card, Voter ID, Passport, Aadhar Card, Registered Rent Agreement
• Proof of assets like LIC/NSC/MF/KVP/Property
• ITR verification report
• Assets and Liabilities statement
• In case of a previous loan, loan account statement for last 1 year along with sanction letter (if loan is from Bank of Baroda, account no. or Customer ID is required)
• Foreclosure letter
• Document list in respect of property submitted to bank, duly acknowledged by the bank.