- Interest rates starting from 10.15% p.a.
- Flexible repayment tenures of up to 7 years.
- Bank of Baroda offers quick personal loans to meet the personal requirements of applicants.
- The bank also offers digital personal loans with online application, paperless process and hassle-free financing.
- Pensioners having their pension accounts in Bank of Baroda are eligible for Baroda Pension Loans to meet their personal requirements.
- The lender also offers pre-approved personal loans with instant loan disbursal and zero documentation.
- The lender does not levy any prepayment charges on personal loans availed at floating interest rates.
Bank of Baroda Personal Loan
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Filters
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
Bank of Baroda Personal Loan - Key Features 2026
Bank of Baroda Personal Loan Interest Rate 2026
Bank of Baroda personal loan interest rate range from 10.15% to 18% p.a., depending on the credit profile of the applicant. The lender offers personal loans at both fixed and floating interest rates. The bank sets its interest rates after factoring in the credit score, loan type, job profile, monthly income and the employer’s profile of its applicants.
Bank of Baroda Personal Loan EMI Calculator
Prospective borrowers can use the online personal loan EMI calculator on Paisabazaar to calculate the EMIs and total interest cost for Bank of Baroda personal loan payable throughout the loan tenure. The calculator works on the following features:
Eligibility for Bank of Baroda Personal Loan
Below-mentioned is the eligibility criteria set by Bank of Baroda for its personal loan applicants.
Prospective borrowers can check their personal loan eligibility through the Personal Loan Eligibility Calculator available on Paisabazaar and increase their approval chances.
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Documents Required During Loan Application
Bank of Baroda has disclosed a detailed list of documents required during a personal loan application.
Bank of Baroda Personal Loan v/s SBI Personal Loan
| Bank of Baroda | State Bank of India |
|---|---|
| Salaried and self-employed applicants are eligible. | Only applicants receiving salaries in SBI salary accounts are eligible. |
| Interest rates starting from 10.15% p.a. | Interest rates starting from 10% p.a. |
| Processing fee ranges up to 2% (max. Rs. 10,000). | Processing fee ranges up to 1.50% (Rs. 1,000 - Rs. 15,000), |
| Comparatively higher EMIs. | Comparatively lower EMIs. |
| Slightly higher loan cost. | Lower loan cost. |
| Digital personal loans offered through bob World app. | Digital personal loans offered through SBI YONO app. |
Bank of Baroda Personal Loan Customer Care
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Overview
Bank of Baroda Personal LoanBank of Baroda Personal Loan Interest RateBank of Baroda Personal Loan EMI CalculatorBank of Baroda Marriage LoanBank of Baroda Personal Loan Customer CareBank of Baroda Personal Loan Foreclosure ChargesBank of Baroda Personal Loan StatusBank of Baroda 10 Lakh Personal LoanBank of Baroda 5 Lakh Personal Loan
FAQs
What is the Bank of Baroda personal loan interest rate for 2026?
As of 2026, Bank of Baroda's personal loan interest rate ranges from 10.15% p.a. to 18.00% p.a, depending on the credit profile of the applicants.
What is the minimum salary for a Bank of Baroda personal loan?
Bank of Baroda has not disclosed the minimum salary for availing a personal loan. However, lenders usually offer personal loans to applicants having a minimum monthly income of Rs. 15,000.
What is BOB personal loan processing fee?
The BOB personal loan processing fee ranges up to 2% (Max. Rs. 10,000).
Is Bank of Baroda personal loan available for non-BOB customers?
Yes, Bank of Baroda personal loan is available for non-BOB customers also.
What is the maximum amount for BOB personal loan?
Bank of Baroda offers a maximum loan amount of Rs. 20 lakh, depending on the repayment capacity of the applicant.
How long does BOB personal loan take to disburse?
Bank of Baroda has not disclosed the time taken for personal loan disbursal. However, lenders usually disburse personal loans in 2 - 7 working days.
What documents are needed for BOB personal loan?
You need an ID proof, address proof, bank statement, salary slip, business proof, ITR, balance sheet and P&L account statement with income computation, etc.
What is BOB personal loan customer care number?
The toll-free numbers for Bank of Baroda personal banking are 18005700/ 18005000.
Can I prepay BOB personal loan?
Yes, you can prepay your BOB personal loan by paying a nominal fee for fixed interest rates and no fee for floating rates.
Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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