✓ Home Loan from ₹2 Lakhs to ₹15 Crores ✓ Interest Rates Starting @ 8.50% Check Eligibility


Own your dream home with the help of Bank of Baroda Home Loans. You can borrow up to ₹20 Crores and finance up to 90% of your property purchase. The interest rates starting from just 8.40% p.a. empowers you to take the loan without having to pay high repayment costs. Furthermore, you are offered a moratorium period of up to 3 years post-disbursal and the flexibility to repay the loan over tenures ranging up to 30 years.

Interest Rates and Charges

The interest rates and charges applicable to home loans offered by Bank of Baroda are as follows:

Interest Rate

8.40% to 11.60% p.a.

Processing Fee

0.35% onwards

Prepayment Charges


*Disclaimer: The aforementioned details are subject to change at the lender’s discretion

Bank Of Baroda Home Loan EMI Calculator

Loan Amount
Rate of Interest
Home Loan
Your Monthly Home Loan EMI
Principle Amount
Total Interest
Total Amount Payable
Amortization Schedule
Download Amortization Schedule Download
Expand Amortization Schedule
Year EMI Principal Interest Balance

A Home Loan EMI calculator is an algorithm-based tool that can help you get instant estimates of your house loan EMI amount. All you need to do is enter your loan amount, expected interest rate, and preferred repayment tenure.


The online tool will show you your overall EMI outflow within seconds. A housing loan calculator can also help you compare loan options by simply altering the numbers you fed into the tool originally. This way, you will be able to decide which offer suits you the best.

Features and Benefits

High Loan Amounts

Borrow amounts as high as ₹20 Crores and fund your house purchase

Affordable Interest Rates

Enjoy interest rates starting from as low as 8.40% p.a.

Free Credit Card

Opting for this loan from the Bank of Baroda makes you eligible for a free credit card

Low Processing Fee

Save on overall loan costs with a low processing fee starting from 0.35% 

Flexible Tenures

Repay the loan over long tenures ranging up to 30 years 

Zero Prepayment Charges

Prepay and close the loan sooner without having to pay any additional charges

Eligibility Criteria and Documents Required

The Baroda Home Loan eligibility criteria are as listed below:

  • You should fall under the age bracket of 21 to 70 years

  • You should be either a salaried or a self-employed professional with a stable income

  • If salaried, you must have a work experience of at least 2 to 3 years

  • If self-employed, your business must have a minimum vintage of 2 to 3 years

Alongside fulfilling these requirements, you must also furnish the following documents:


1. Identity proof: Any one of the following

  • Passport

  • PAN card

  • Driving licence

  • Voter ID

  • Aadhaar card


2. Address proof: Any one of the following

  • Aadhaar Card

  • Voter ID

  • Driving licence

  • Passport

  • Utility bills


3. Age proof: Any one of the following

  • Birth certificate

  • Voter ID

  • Passport

  • Aadhaar ca


4. Income proof:

For salaried applicants: 

  • Salary slips of the last 3 months for the main applicant and 1 month for guarantors

  • Form 16

  • ITR filings

  • Employee ID card 

For self-employed applicants: 

  • Balance sheet and Profit & Loss A/c

  • Income computation and ITR filings of the last 2 years

  • 26 AS

  • Registration Certificate

  • Service Tax Registration, etc.

Note: Check the list of documents required for a home loan on Bank of Baroda’s official website or mobile app.

Read More

How to Apply?

Here is how you can apply for a home loan offered by Bank of Baroda:

  • Visit the official website of the Bank of Baroda

  • Navigate to the ‘Loans’ option and select ‘Baroda Home Loan’

  • Click on ‘Apply Online’

  • Enter your full name and email ID to sign up

  • Select your preferred Bank of Baroda branch

  • Provide your phone number and enter the generated OTP to verify your identity

  • Agree to the terms and conditions, then click on proceed

  • Following this, a bank representative will contact you for further proceedings.

How to Apply for home loan


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

Read More


What is the maximum loan amount I can get with a Baroda Home Loan?

You can borrow amounts of up to ₹20 Crores with the help of this home loan.

How can one check the Baroda Home Loan status?

If you have applied online, you can track your Bank of Baroda Home Loans application status by logging in to the bank's official website. If you have applied offline, you can track the status by contacting your relationship manager.

What is the maximum repayment period of a Baroda Home Loan?

You can repay the loan over repayment tenures ranging up to 30 years.

Can I get a top-up loan from the Bank of Baroda on my existing home loan without pledging extra collateral?

Yes, you can get a top-up loan on your current Baroda Home Loan if your eligibility matches the bank’s predefined terms and conditions.

Loan Offer
Download App