Bank of Baroda Home Loan Interest Rates 9.65% – Check Eligibility Online

Find Bank of Baroda Home Loan Interest rates 2015 ✓ low EMI of Rs.852/lakh ✓ Documents ✓ Eligibility quotes online ✍ E-approval ✓ Calculate EMI with Calculator on BOB home loans through Deal4loans. November 2015

Bank of Baroda Home Loan Overview:

Bank of Baroda invites you to be a proud owner of your own home and offers easy Home Loan with a number of conveniences to suit your budget. As on November 05, 2015 – Bank of Baroda has total number of 5242 branches all over the India. With a customer centric approach of being operational 24 Hours Banking a day, across 24 countries, the bank branches are the last door you will have to knock while on the lookout for an answer to your queries.

Bank of Baroda Home Loan Details

Interest Rates 9.65%
Processing Fees Rs.1000/ to Rs.20000/-
Pre payment Charges Nil
Lowest EMI Rs.852
Min. Income Rs.10500/- p.m
Loan Repayment 1 to 30 years


Get instant Quotes on Home Loan Rates, EMI & Eligibility by Top 10 Banks

Loan Amount


Annual income

location icon

54 ,02 , 013 Loan quotes taken till now

• 54 lakh customers serviced to get best Loan deals with deal4loans. Deal4loans views Published @ yourstory .com
• As RBI cuts rate, should you go for fixed home loan Deal4loans views Published @ Economic Times online

Interest Rates on Advances – Base Rate (per annum) w.e.f. 06.10.2015 – 9.65%

Current Interest Rates of Bank of Baroda Home Loan – Last Updated as on 06 October 2015

Baroda Home Loan to Individuals / NRIs / PIOs
Repayment Period Interest Rates
Upto 5 years 9.65%
Over 5 years & up to 15 years 9.65%
Over 15 years & up to 30 yrs 9.65%

Bank of Baroda Home Loan EMI Calculator

Calculate your home loan EMI. How much will a loan cost you every month? Our EMI calculator for home loan will tell you quickly. Calculate EMI @9.65% Rate of Interest.
• Enter the loan amount you wish to avail in the EMI calculator.
• Then enter the loan tenure (months).
• And the rate of interest (reducing).
• Press “calculate”.
• Our EMI calculator will tell you just how much your EMI amount comes to.

Calculate Loans EMI Online

Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Total Interest Amount
Yearly Interest Amount

✓ Calculated Monthly EMI for 20 Lac loan amount @ 9.65 Percent Rate of Interest for 30 Years – Rs.17036.4
✓ Total Amount with Interest paid by you – Rs.6133104
✓ Flat Interest Rate Per Annum – 6.89%
✓ Flat Interest Rate Per Month – .57%
✓ Total Interest Amount for 20 Years – Rs.4133104
✓ Yearly Interest Amount – Rs.137770.13

Eligibility or How much you can get from Bank of Baroda for your Dream Home

In case of Salaried:

 Monthly Income Modified Criteria
Up to Rs. 20,000/- 36 times of monthly income
More than Rs.20,000/- & up to Rs. 1 lac 48 times of monthly income
More than Rs. 1 lac 54 times of monthly income

In case of others viz. professionals / self-employed / businesspersons etc., 5- times of average annual income (last three years).
Value propositions
Bank offers following benefits with home loan availed by you:
✓ Free Personal Accident Insurance is available for stipulated tenure.
✓ Free Credit Card (BOBCARD – complementary for first year) to all Home Loan borrowers (first borrower) with loan limit of Rs. 2/- Lacs and above.
✓ Concession of 0.25% in rate of interest for Car Loans.
✓ Concession of 0.50% in rate of interest for Loan for consumer durables.
✓ Top up Loan (Baroda Additional Assured Advance – AAA) can be availed 5 times during loan period.
(Minimum Rs.1/- Lac,  Maximum Rs.200/- Lacs or 75% of residual value of house property after deducting 150% of outstanding loan amount of existing Home Loan, whichever is lower).
✓ As per current IT provisions – Interest on loan upto Rs.1.50 lacs per annum is exempt from income tax (Under section 23/24 (1) of the Income Tax Act). An additional deduction of interest upto Rs.1 lac is available to persons taking a loan for their first home upto Rs.25 lacs during March 2013 to Feb 2014.
Download Application Form of Bank Of Baroda Home LoanHere

Here’s Past Trend of Bank of Baroda 5 Years on Base Rates Changes for Customer or Borrowers Prospective:

Date Change by RBI New Repo Rate Date of Change New Base Rate of Bank of Baroda
Rate Cut
29-Sep-15 0.25% - 6.75% 29-Sep-15 9.65%
4-Mar-15 0.25% - 7.50% 13-July-15 9.90%
4-Mar-15 0.25% - 7.50% 6-May-15 10.00%
15-Jan-15 0.25% - 7.75%
28-Jan-14 0.25% + 8.00%
29-Oct-13 0.25% + 7.75%
20-Sep-13 0.25% + 7.50%
3-May-13 0.25% - 7.25%
19-Mar-13 0.25% - 7.50%
29-Jan-13 0.25% - 7.75% 9-Feb-13 10.25%
17-Apr-12 0.50% - 8.00% 1-May-12 10.50%
25-Oct-11 0.25% + 8.50% 1-Aug-11 10.75%
16-Sep-11 0.25% + 8.25%
26-Jul-11 1.25% + 8.00% 12-Jul-11 10.25%
25-Jan-11 - 6.50% 6-May-11 10.00%

Unified Processing Charges :- Unified processing charges (which includes processing charges, documentation charges, document verification charges and pre & one time post sanction inspection charges) to be levied as detailed below :-
Loan up to Rs.25 Lacs : 0.25% Minimum- Rs.1000/-
Above Rs.25 Lacs upto Rs.75 Lacs : 0.25% , Maximum- Rs. 10,000/-
Above Rs.75 Lacs : 0.25% Maximum- Rs. 20,000/-
(service Tax to be recovered separately in addition to the above)
100% waiver of processing charges for Baroda Home Loan and Baroda Car Loan upto 31.03.2016.
Inspection : Bank will have the right to inspect the borrower’s property at all times and from 2nd post sanction Inspection onwards Rs 100 plus service tax per inspection to be charged from borrower.
Legal opinion & Valuation charges : – Title of the property proposed to be purchased is to be clear, absolutely unencumbered and marketable to the satisfaction of the Bank’s solicitor/ advocate. Legal fee is to be paid for legal opinion to be obtained through a lawyer on the Bank’s panel. The fee is payable regardless of the fact that whether clear title is established and whether loan is sanctioned.
Valuation Fee : – Valuation of the property will be done by the empanelled valuer of the Bank for which prescribed fee is payable by the borrower.

Other Expenses : – like stamp duty for execution of documents, registration charges varying from State to State and other related charges/ expenses for the loan shall be borne by the Borrower.

Free Personal Accident Insurance is available for stipulated tenure.

Life Insurance Cover to Home Loan Borrowers : – Optional Life Insurance Cover is available to Home Loan Borrowers from Indiafirst Life Insurance Co Ltd and Kotak Life Insurance co Ltd at the cost of borrower.

Penalty Clause for Full Prepayment/ Premature Closure : – There are no prepayment charges for foreclosure of loan.
Conversion from Fixed Interest Rate to Floating Interest Rate Option : – can be considered by Bank with prospective effect subject to following:-

If the Account is regular
As one time offer from the Bank
Upfront payment of Charges on outstanding balance @0.50% for every year for the residual period of the loan maximum 2% of the amount outstanding on the date of allowing conversion.
Borrower’s request in writing for change of Rate of interest from fixed to floating rate is obtained.
Validity of sanction : – shall be 4 months.
Credit Information Report : Bank is authorized to make enquiries from any of the Credit Information Bureau and get the Credit Information Reports. Bank is also authorized to disclose from time to time any information relating to the loan to any Credit Bureau approved by Got of India or Reserve Bank of India without any notice to the borrower.
Corporate Centre
Bank of Baroda
Baroda Corporate Centre,
Plot No – C-26, G – Block, Bandra – Kurla Complex, Bandra (East), Mumbai-400051
Phone :(022) 6698 5000- 04
Fax :(022) 2652 3500
Debit Cards (India) 24 hours – Toll Free – 1800 22 04 00
Contact Centre (India) – 1800 22 33 44, 1800 102 44 55

Branch Network (as of 6/10/2015)
Area No. of Branches








Total (Indian)


Foreign (Overseas) 105
Total (Global) 5242


Latest Trends about Bank of Baroda November 2015

Search Query Change in percentage Date of updating
bank of baroda home loan interest Rate +200% 24.11.2015
BOB Home loan +160% 20.11.2015
online bank of baroda emi home loan +90% 15.11.2015
bank of baroda home loan eligibility +70% 08.11.2015

Source: Bank of baroda Website

You might find these relevant:


  • WRS Info India Pvt.Ltd.
    Address: E-32, Ground Floor, Sector - 8,
    Noida, Uttar Pradesh, India - 201301
  • Facebook linkedin Twitter Google plus
    © Copyright 2015, Deal4loans, India
  • Disclaimer: Information is sourced from respective Banks websites. We don't provide Loans on our own but ensures your information is sent to bank/agent which you have opted for. We don't do short term loans. Deal4loans has no sales team on its own and we just help you to compare loans .All loans are on discretion of the associated Banks/Agents. Read More