Bank of Baroda Home Loan: Rates, Eligibility & Fees 2026
Bank of Baroda offers home loans to buy, build or renovate a home. Butter Money compares Bank of Baroda's offer with similar lenders for your profile and handles the paperwork with you until disbursal.
Interest Rate
7.35%
p.a. onwards
Processing Fee
₹4,130
+ GST
Max Tenure
30 Years
Max LTV
Up to 75%
Rates updated 11 Aug 2026 from Butter's lender rate data · Bank of Baroda's official rates
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What stands out with Bank of Baroda
- Home loan overdraft option to park surplus funds and save interest
- 0.05% lower rate when a woman is the primary applicant
- Home loans for NRIs buying in India
- Repayment holiday (moratorium) available on under-construction homes
- Tenure up to 30 years
Bank of Baroda home loan at a glance
| Lender type | Public sector bank |
| Starting rate | 7.35% p.a. onwards |
| Products | Home loan, Plot, Construction, Balance transfer, Overdraft home loan |
| Funding (LTV) | Up to 75% of the property's value, within RBI's caps |
| Prepayment | Nil on floating-rate loans |
| NRI loans | Available |
Bank of Baroda Interest Rates, August 2026
By product, CIBIL score & applicant type
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 8.00% onwards | 8.00% onwards |
| 800 and above | 7.45% onwards | 7.45% onwards |
| 700–749 | 7.95% onwards | 7.95% onwards |
| 750–799 | 7.65% onwards | 7.65% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 7.90% onwards | 7.90% onwards |
| 800 and above | 7.35% onwards | 7.35% onwards |
| 700–749 | 7.85% onwards | 7.85% onwards |
| 750–799 | 7.55% onwards | 7.55% onwards |
| CIBIL Score | Salaried | Self Employed |
|---|---|---|
| New to credit | 8.25% onwards | 8.25% onwards |
| 800 and above | 7.70% onwards | 7.70% onwards |
| 700–749 | 8.15% onwards | 8.15% onwards |
| 750–799 | 7.90% onwards | 7.90% onwards |
Starting rates for each CIBIL band. Women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and profile. Updated 11 Aug 2026.
Fees & Charges
Bank of Baroda vs Similar Lenders
Public sector banks with the closest rates
| Lender | Best Suited For | Interest Rate |
|---|---|---|
| Bank of Baroda (this page) | Public sector bank | 7.35% onwards |
| Punjab & Sind Bank | Public sector bank | 7.30% onwards |
| Bank of Maharashtra | Public sector bank | 7.25% onwards |
| Canara Bank | Public sector bank | 7.20% onwards |
Bank of Baroda Home Loan EMI Calculator
Move the sliders to see how the loan amount, interest rate and tenure change your monthly EMI and total interest outgo at Bank of Baroda's rates.
Illustrative calculation based on the selected rate. The rate defaults to 7.35% p.a., the best applicable starting rate. Your actual EMI depends on the rate offered to you.
A ₹50 lakh Bank of Baroda home loan over 20 years at 7.35% costs ₹39,822 a month, or ₹45,57,354 in total interest. Every 0.25% higher adds about ₹764 a month.
Bank of Baroda Home Loan FAQs
What is the Bank of Baroda home loan interest rate?
Bank of Baroda home loan rates start at 7.35% p.a. for the strongest credit profiles and rise for lower CIBIL scores, and women primary applicants get 0.05% lower. Your final rate also depends on the loan amount, property and income.
Can I prepay my Bank of Baroda home loan without charges?
Yes, on a floating-rate home loan. RBI rules do not allow Bank of Baroda to charge individual borrowers for part-prepayment or foreclosure of floating-rate home loans.
How much of the property value will Bank of Baroda fund?
Bank of Baroda funds up to 75% of the property's value, within RBI's caps (up to 90% for loans up to ₹30 lakh, 80% for ₹30–75 lakh and 75% above ₹75 lakh). You pay the rest as your own contribution.
Rates updated 11 Aug 2026 from Butter's lender rate data. Final terms are set by Bank of Baroda at sanction. Source: Bank of Baroda.