Bank of Baroda Home Loan Interest Rate 2026

Bank of Baroda offers home loans for buying, building, renovating, or extending a house. Bank of Baroda home loan interest rate starts from 7.20% p.a. and can go up to 9.20% p.a., depending on the loan scheme and the borrower’s profile. The interest rate may vary based on factors such as CIBIL score, income, job or business profile, loan amount, and repayment capacity. This guide covers BOB home loan interest rates, loan schemes, eligibility, processing fees, EMI, required documents, and how to apply for a home loan.

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Bank of Baroda Home Loan Highlights

Interest Rate	From 7.20% to 8.95% p.a.
Minimum Loan Amount	Rs. 30 lakh
LTV Ratio	Up to Rs. 30 Lakh: 90% Rs. 30 Lakh to Rs. 75 Lakh: 80% Above Rs. 75 Lakh: 75%
Loan Tenure	Up to 30 years
Processing Charges	Up to Rs. 25,000

BOB Home Loan Interest Rate for Salaried vs Self-Employed

Borrower Type	Key Eligibility Factors
Salaried	Income, CIBIL, employment profile
Self-Employed	Income, business vintage, CIBIL
Self-Employed Professional	Profession, income & credit profile

How to Qualify for Bank of Baroda’s Lowest Home Loan Rate

Different ways to qualify for BOB's lowest home loan rate are mentioned below:

Strong Credit Profile: A CIBIL score of 760 or above can put you in a better position to qualify for competitive home loan interest rates.
Consistent Income: A steady and reliable income demonstrates your ability to manage EMIs and can strengthen your loan application.
Pay a Higher Upfront Amount: Making a larger down payment reduces the amount you need to borrow, which can lower the lender’s risk and potentially help you secure better terms.
Floating-Rate Loan: Floating-rate home loans may offer more competitive rates than fixed or hybrid options
Keep Your Debt Under Control : Paying off existing loans or reducing outstanding debt can improve your debt-to-income ratio and overall repayment capacity.
Add a Female Co-Applicant: In some cases, having a woman as a co-applicant may make you eligible for a preferential interest rate, subject to BOB’s applicable terms.
Review the Latest Rates: Interest rates and eligibility criteria can change. Checking BOB’s current rates before applying can help you identify the most suitable offer for your profile.

Home Loan Interest Rates - Bank of Baroda

Baroda Housing Loan and Home Improvement Loan

Particulars	Interest Rates
For Salaried	From 7.20% to 8.95%
For Non-Salaried	From 7.20% to 8.95%

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

Particulars	Interest Rates
For Salaried	From 7.20%-8.95% p.a.
For Non-Salaried	From 7.20%-8.95% p.a.

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

Particulars	Interest Rates
For Salaried	From 7.45% to 9.20%
For Non-Salaried	From 7.45% to 9.20%

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 applicable home loan interest rate will depend on the loan amount/limit and the CIBIL score of the applicant(s).

Bank of Baroda Home Loan Fixed Interest Rates

Product Type	Interest Rate (p.a.)
Baroda Housing Loan and Home Improvement Loan	7.20% to 8.95%.
Bank of Baroda Max Savings Home Loan	Up to Rs. 75 lakh: 8.90% to 9.95%; Above Rs. 75 lakh: 9.15% to 10.20%
Bank of Baroda Top Up Home Loan	Applicable ROI on Home Loan + Strategic Premium + 0.50%

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

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Bank of Baroda Home Loan Processing Fees & Charges

Particulars	Amount
Baroda Home Loan (all variants)	For all channels: Loan amount up to Rs. 50.00 lakh- 50%, Min: Rs. 8,500/- and Max: Rs.15,000/- Loan amount greater than Rs. 50.00 lakh: 25%, Min: Rs.8,500/- and Max: Rs.25,000/- Takeover: Flat Rs. 8,500/-
Baroda Top-up Loan	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
Baroda Home Loan to Govt. Employees	For Non- DSA/DST Leads- NIL For Leads sourced by DSA/DST : Loan amount up to Rs. 50.00 lakh- 50%, Min: Rs. 8,500/- and Max: Rs.15,000/- Loan amount greater than Rs. 50.00 lakh- 25%, Min: Rs. 8,500/- and Max: Rs. 25,000/- NOTE: Above Charges are excl of GST.

Bank of Baroda Home Loan EMI for Different Tenures

Interest Rate (p.a.)	Loan Amount	Loan Tenure	EMI
7.20%	Rs. 30 lakh	10 Years	Rs. 35,143
7.20%	Rs. 30 lakh	13 Years	Rs. 29,668
7.20%	Rs. 30 lakh	15 Years	Rs. 27,301
7.20%	Rs. 30 lakh	20 Years	Rs. 23,620
7.20%	Rs. 30 lakh	25 Years	Rs. 21,588

Bank of Baroda Home Loan EMI for Different Loan Amounts

Interest Rate (p.a.)	Loan Amount	Loan Tenure	EMI
7.20%	Rs. 20 lakh	30 Years	Rs. 13,576
7.20%	Rs. 22 lakh	30 Years	Rs. 14,933
7.20%	Rs. 25 lakh	30 Years	Rs. 16,970
7.20%	Rs. 30 lakh	30 Years	Rs. 20,364
7.20%	Rs. 35 lakh	30 Years	Rs. 23,758

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FAQs

What is the Bank of Baroda home loan interest rate?

Bank of Baroda home loan interest rates start from 7.20% p.a. and may go up to 8.95% p.a., depending on the loan scheme, loan amount, CIBIL score, income, and borrower profile.

How does Bank of Baroda determine home loan interest rates?

Bank of Baroda determines its interest rates based on the CIBIL score, job profile, home loan scheme and loan amount offered to the applicants.

Should I choose a floating or fixed rate with Bank of Baroda?

Floating rates are variable and change with the change in the repo rate whereas fixed rates remain constant throughout the loan tenure. Also, floating rates are usually lower than the fixed interest rates. However, applicants can opt for either of the two as per their requirement and affordability.

Are Bank of Baroda home loan interest rates different for women borrowers?

No, Bank of Baroda does not offer any special interest rates for its women borrowers. The female applicants can avail Bank of Baroda home loans at regular interest rates.

What is the maximum Bank of Baroda home loan tenure?

Bank of Baroda offers home loans with a maximum repayment tenure of 30 years. Choosing a longer tenure can reduce monthly EMI but may increase the total interest payable.

What are Bank of Baroda home loan processing charges?

Processing charges can be up to Rs. 25,000, depending on the loan amount. Charges vary by loan type and channel, while GST and applicable out-of-pocket expenses are additional.

What is the maximum LTV ratio for Bank of Baroda home loans?

For loans up to Rs. 30 lakh, LTV can be up to 90%. For Rs. 30 to Rs. 75 lakh, it can reach 80%, while loans above Rs. 75 lakh can have a maximum of 75% LTV.

Can self-employed people apply for Bank of Baroda home loans?

Yes, self-employed applicants can apply, subject to eligibility criteria. The bank considers factors such as income, business vintage, ITRs, financial statements, CIBIL score, and repayment capacity.

How can I get a lower Bank of Baroda home loan rate?

Maintain a strong CIBIL score, stable income, low existing debt, and make a higher down payment. Comparing current rates and choosing suitable loan options can also help.

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Written By

Vandana Punj

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Shamik Ghosh

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