Bank of Baroda Loan Against Property Highlights | |
Interest Rate | 10.55%-16.20% p.a. |
Loan Amount | Up to Rs 10 crore |
Tenure | Up to 10 years |
Processing Fees | Up to 1% (Rs 8,500 upfront-Rs 75,000) |
Note: Rates as of 31st January 2023

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Table of Contents
Bank of Baroda Loan Against Property Interest Rates
Tenure up to 10 years
Loan Amount | Interest Rates (p.a.) |
Facility up to Rs 7.5 crore | 10.55%-15.45% |
Facility above Rs 7.5 crore | 10.80%-15.70% |
Tenure above 10 years to 15 years
Loan Amount | Interest Rates (p.a.) |
Facility up to Rs 7.5 crore | 11.05%-15.95% |
Facility above Rs 7.5 crore | 11.30%-16.20% |
Note: Additional 0.50% p.a. above card rates for overdraft facility availed for mortgage loans

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Baroda Mortgage Loan
Purpose: For any purpose other than speculative purposes
Loan Amount:
- Minimum: Rs 2 lakh
- Maximum: Metro branches- Up to Rs 10 crore
Urban branches- Up to Rs 5 crore
Semi-urban branches- Up to Rs 3 crore
Rural branches- Up to Rs 25 lakh
LTV Ratio: 60% on realizable value of immovable property
Tenure: Term Loan- Up to 10 years
Overdraft– Up to 5 years

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Compare Interest Rates on Loan Against Property for Top Banks & HFCs
Name of the Lender | Interest Rate (% p.a.) |
State Bank of India | 10.35-11.05 |
Bank of Baroda | 10.55-16.20 |
PNB Housing Finance | 9.65-13.00 |
IDFC First Bank | 8.75-16.25 |
HDFC | 9.35-12.25 |
L&T Housing Finance | 9.60 onwards |
LIC Housing Finance | 9.10-12.25 |
Godrej Housing Finance | 9.75-14.50 |
ICICI Bank | 9.75-10.90 |
Tata Capital | 9.85 onwards |
Bajaj Housing Finance | 9.85-10.80 |
Axis Bank | 9.90-10.35 |
Kotak Mahindra Bank | 9.15 onwards |

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Fees and Charges of Bank of Baroda Loan Against Property
Processing Charges
Term Loan | Up to 1% (Rs 8,500 upfront-Rs 1,50,000) |
Overdraft | Loan amount up to Rs 3 crore: Up to 0.35% (Rs 8,500 upfront -Rs 75,000)
Loan amount above Rs 3 crore: Up to 0.25% (Rs 8,500 upfront) |

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Eligibility Criteria for Bank of Baroda Loan Against Property
- Indian residents and NRI (individuals)
- Salaried/professionals/business person/agriculturists employed or engaged in business/profession
- NRI having valid Indian passport, regular employment, elf-employed, business
- Work Experience:
Salaried: Minimum 3 years for salaried
NRI: Minimum 2 years with a valid work permit of 2 years in foreign country
- Minimum Gross Annual Income:
Salaried: Rs 3 lakh
NRI: Rs 5 lakh