Bank of Baroda Home Loan Interest Rate 2026
Last updated:
Quick Answer
Bank of Baroda home loan interest rates start at 8.4% p.a. and go up to 9.75% p.a. (as of early 2026). Rates are linked to the repo rate and vary based on loan amount, tenure, and borrower profile.
Bank of Baroda Home Loan Rate — Rates at a Glance
| Salaried (Lowest Rate) | 8.4% p.a.(Excellent credit score (750+)) |
| Salaried (Standard) | 9.07% p.a. |
| Self-employed | 8.65–9.75% p.a. |
| Women borrower discount | 0.05% concession(Applicable on applicable rate) |
| Processing fee | 0.25–0.50% of loan amount |
| Prepayment charges | Nil for floating rate loans |
Rates are indicative as of 2026-04-07. Verify with Bank of Baroda official website before investing.
Key Things to Know
- 1Starting rate: 8.4% p.a. (repo-rate linked, varies with RBI policy)
- 2Maximum loan-to-value (LTV): 75–90% depending on property value
- 3Repayment tenure up to 30 years
- 4Women co-borrowers get 0.05% rate concession
- 5Home loan interest deduction: up to ₹2 lakh/year under Section 24(b)
- 6Principal repayment: up to ₹1.5 lakh under Section 80C
Calculate Your Returns
Monthly EMI
₹8,678
Total Interest
₹10,82,776
Total Payment
₹20,82,776
Amortization Schedule (Yearly)
| Year | Principal | Interest | Balance |
|---|---|---|---|
| 1 | ₹19,902 | ₹84,236 | ₹9,80,098 |
| 2 | ₹21,661 | ₹82,477 | ₹9,58,436 |
| 3 | ₹23,576 | ₹80,563 | ₹9,34,860 |
| 4 | ₹25,660 | ₹78,479 | ₹9,09,200 |
| 5 | ₹27,928 | ₹76,211 | ₹8,81,272 |
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Frequently Asked Questions
What is Bank of Baroda home loan interest rate today?
Bank of Baroda home loan rates range from 8.4–9.75% p.a. as of early 2026. Rates are floating and linked to the RBI repo rate.
How much EMI for ₹50 lakh Bank of Baroda home loan for 20 years?
At 8.4% p.a., a ₹50 lakh home loan for 20 years has an EMI of approximately ₹43,075. Use our EMI calculator for exact calculations.
Does Bank of Baroda charge prepayment penalty on home loans?
No. RBI mandates that floating-rate home loans cannot carry prepayment penalties. Bank of Baroda does not charge prepayment fees on floating rate home loans.
What is the maximum tenure for Bank of Baroda home loan?
Bank of Baroda offers home loan tenures of up to 30 years for eligible borrowers. The maximum age at loan maturity is typically 70–75 years.