Bank of Baroda Loan interest rates · November 2026
- Every rate from the bank's own page, with a link to it
- No referral fees, no ads, no “apply now”
- Checked 15 Nov 2026
What will my home loan cost at BoB?
The lowest rate in each band goes to the bank's best-placed borrowers. Before charges and insurance; a floating rate moves with the bank's benchmark.
BoB loan interest rates
Every band the bank publishes, a year. The lowest rate in each band goes to its best-placed borrowers.
Bank's page ↗ · Checked 15 Nov 2026
| Loan and borrower | From | Up to | Linked to | Effective on | Source |
|---|---|---|---|---|---|
Home loan Baroda CRE Home Loan · For Salaried* |
7.65% | 9.40% | BRLLR – 0.50% to BRLLR + 1.25% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda CRE Home Loan · For Non-Salaried* |
7.65% | 9.40% | BRLLR – 0.50% to BRLLR + 1.25% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda CRE Home Loan (Max Savings) - Above Rs.75 lakhs · For Salaried* |
7.90% | 9.65% | BRLLR – 0.25% to BRLLR + 1.50% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda CRE Home Loan (Max Savings) - Above Rs.75 lakhs · For Non-Salaried* |
7.90% | 9.65% | BRLLR – 0.25% to BRLLR + 1.50% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda CRE Home Loan (Max Savings) - Upto Rs.75 lakhs · For Salaried* |
7.65% | 9.40% | BRLLR – 0.50% to BRLLR + 1.25% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda CRE Home Loan (Max Savings) - Upto Rs.75 lakhs · For Non-Salaried* |
7.65% | 9.40% | BRLLR – 0.50% to BRLLR + 1.25% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda Home Loan to Non-Staff members · For Salaried* |
7.40% | 9.15% | BRLLR – 0.75% to BRLLR + 1.00% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda Home Loan to Non-Staff members · For Non-Salaried* |
7.40% | 9.15% | BRLLR – 0.75% to BRLLR + 1.00% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda Max Savings Home Loan – Above Rs.75 lakhs · For Salaried* |
7.65% | 9.40% | BRLLR – 0.50% to BRLLR + 1.25% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda Max Savings Home Loan – Above Rs.75 lakhs · For Non-Salaried* |
7.65% | 9.40% | BRLLR – 0.50% to BRLLR + 1.25% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda Max Savings Home Loan – Upto Rs.75 lakhs · For Salaried* |
7.40% | 9.15% | BRLLR – 0.75% to BRLLR + 1.00% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Baroda Max Savings Home Loan – Upto Rs.75 lakhs · For Non-Salaried* |
7.40% | 9.15% | BRLLR – 0.75% to BRLLR + 1.00% | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property Baroda Mortgage Loan - Individuals · Tenor up to 120 Months · Up to Rs. 7.5 crore |
8.90% | 11.50% | From BRLLR + SP + 0.75% To BRLLR + SP + 3.35% (As per Risk Rating of the applicant/s.) | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Car Loan · New Car |
7.85% | 11.55% | From BRLLR -0.30% to BRLLR + SP + 3.15% | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Car Loan · Pre Owned Car |
10.90% | 13.65% | From BRLLR + SP +2.50% to BRLLR + SP + 5.25% | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Digital Car Loan · New Car |
7.85% | 9.00% | From BRLLR -0.30% to BRLLR + SP + 0.60% | Not stated ✓ verified 15 Nov 2026 |
|
Two-wheeler loan Two Wheeler Loan |
12.65% | 12.65% | BRLLR + SP + 4.25% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Education Loan to Students of Premier Institutions (For Studies in India) · AA |
7.35% | 7.35% | BRLLR - 0.80% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Education Loan to Students of Premier Institutions (For Studies in India) · A |
7.45% | 7.45% | BRLLR - 0.70% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Education Loan to Students of Premier Institutions (For Studies in India) · B |
8.15% | 8.15% | BRLLR + 0.00% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Education Loan to Students of Premier Institutions (For Studies in India) · C |
8.65% | 8.65% | BRLLR + 0.50% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Executive Development Premier Institutions (For Studies abroad) · Upto Rs. 7.5 lakhs |
10.15% | 10.15% | BRLLR + 2.00% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Executive Development Premier Institutions (For Studies abroad) · Above Rs. 7.5 lakhs |
10.50% | 10.50% | BRLLR + 2.35% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Executive Development Premier Institutions (For Studies in India) · Top 100 Institutions |
7.10% | 7.10% | BRLLR - 1.05% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Executive Development Premier Institutions (For Studies in India) · AA |
7.35% | 7.35% | BRLLR – 0.80% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Executive Development Premier Institutions (For Studies in India) · A |
7.45% | 7.45% | BRLLR - 0.70% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Executive Development Premier Institutions (For Studies in India) · B |
8.15% | 8.15% | BRLLR + 0.00% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Executive Development Premier Institutions (For Studies in India) · List C: |
8.65% | 8.65% | BRLLR + 0.50% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Gyan · Upto Rs.7.50 Lakh |
10.15% | 10.15% | BRLLR + 2.00% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Gyan · Above Rs 7.50 lakh |
10.05% | 10.05% | BRLLR + 1.90% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Gyan · (Special rate of Interest for Children of defense personal Under Baroda Yodha education Loan Scheme) |
9.25% | 9.25% | BRLLR + 1.10% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Scholar · Abroad |
8.70% | 8.70% | BRLLR + 0.55% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Scholar · Abroad (for CANADA) |
8.70% | 8.70% | BRLLR + 0.55% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Scholar · Upto Rs.7.50 Lakh |
10.15% | 10.15% | BRLLR + 2.00% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Scholar · Above Rs 7.50 lakh |
9.20% | 9.20% | BRLLR + 1.05% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Scholar · Special rate of Interest for Children of defense personal Under Baroda Yodha education Loan Scheme |
9.20% | 9.20% | BRLLR + 1.05% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Scholar · Above Rs 7.50 lakh |
10.45% | 10.45% | BRLLR+2.55% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Baroda Skill Loan Scheme · Only one slab irrespective of loan amount |
9.65% | 9.65% | BRLLR + 1.50% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM VIDYALAXMI SCHEME · Top 100 Institutions |
7.10% | 7.10% | BRLLR – 1.05% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM VIDYALAXMI SCHEME · AA |
7.35% | 7.35% | BRLLR – 0.80% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM VIDYALAXMI SCHEME · A |
7.45% | 7.45% | BRLLR - 0.70% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM VIDYALAXMI SCHEME · B |
8.15% | 8.15% | BRLLR + 0.00% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan PM VIDYALAXMI SCHEME · C |
8.65% | 8.65% | BRLLR+ 0.50% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Digital Personal Loan |
11.90% | 17.25% | Linked with CIBIL Score of the individual ranges from BRLLR+S.P.+3.50 to BRLLR+S.P.+8.85 | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Govt Employees / defence personnel maintaining salary account with our Bank under scheme code SB 182 & 186 |
10.40% | 10.90% | Linked with CIBIL Score of the individual,ranges from BRLLR + S.P. + 2.00% to BRLLR + SP + 2.50% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Gold: Same target customers as mentioned in Silver Category, however, salary account must be with our Bank. |
10.90% | 15.75% | Linked with CIBIL Score of the individual, ranges from BRLLR + S.P. + 2.50% to BRLLR + SP + 7.35% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Category C: Silver : Employees of Central / State Govt. / PSUs / Autonomous Bodies/ Listed Public Limited Company having external rating “A” & above / Joint Sector Undertakings, & Educational Institutions of National Repute, having salary account with other Bank |
11.40% | 15.75% | Linked with CIBIL Score of the individual ranges from BRLLR + S.P. + 3.00% to BRLLR + SP + 7.35% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Category B : (Employee of Private / Public, Trust, LLP, Insurance Agent, Self Employed Professional and business persons) having account relationship with our Bank |
12.15% | 15.75% | Linked with CIBIL Score of the individual ranges from BRLLR + S.P. + 3.75% to BRLLR + S.P. + 7.35% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Category A :(Employee of Private / Public, Trust, LLP, Insurance Agent, Self Employed Professional and business persons) having account relationship with other Bank |
14.15% | 17.75% | Linked with CIBIL Score of the individual ranges from BRLLR + S.P. + 5.75% to BRLLR + S.P. + 9.35% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Govt Employees / defence personnel maintaining salary account with our Bank under scheme code SB 182 & 186 |
11.00% | 11.50% | Linked with CIBIL Score of the individual, ranges from 1 YEAR MCLR + S.P. + 2.00% to 1 YEAR MCLR + SP + 2.50% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Gold: Employees of Central / State Govt. / PSUs / Autonomous Bodies/ Listed Public Limited Company having external rating “A” & above / Joint Sector Undertakings, & Educational Institutions of National Repute, having salary account with Bank of Baroda |
11.25% | 14.10% | Linked with CIBIL Score of the individual, ranges from 1 YEAR MCLR + S.P. + 2.25% to 1 YEAR MCLR + S.P. + 5.10% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Category C: Silver : Same target customers as mentioned in Gold Category, having salary account with other Bank |
11.75% | 14.10% | Linked with CIBIL Score of the individual, ranges from 1 YEAR MCLR + S.P. + 2.75% to 1 YEAR MCLR + S.P. + 5.10% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Category B : (Employee of Private / Public, Trust, LLP, Insurance Agent, Self Employed Professional and business persons) having account relationship with our Bank |
12.80% | 15.05% | Linked with CIBIL Score of the individual, ranges from 1 YEAR MCLR + S.P. + 3.80% to 1 YEAR MCLR + S.P. + 6.05% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Baroda Personal Loan · Category A :(Employee of Private / Public, Trust, LLP, Insurance Agent, Self Employed Professional and business persons) having account relationship with other Bank |
14.75% | 18.05% | Linked with CIBIL Score of the individual, ranges from 1 YEAR MCLR + S.P. + 5.75% to 1 YEAR MCLR + S.P. + 9.05% | Not stated ✓ verified 15 Nov 2026 |
How BoB compares
Each bank's lowest published rate, and what the same loan would cost a month there. Before charges.
Home loan · EMI on ₹50 lakh over 20 years
Loan against property · EMI on ₹30 lakh over 15 years
Car loan · EMI on ₹8 lakh over 5 years
Two-wheeler loan · EMI on ₹1.5 lakh over 3 years
Education loan · EMI on ₹10 lakh over 7 years
The rates BoB's loans are linked to
A floating loan's rate is one of these plus a spread fixed when you borrow. When it moves, your EMI or your term moves at the next reset.
MCLR by reset period · from 12 Nov 2026
| Reset period | Compared | MCLR |
|---|---|---|
| Overnight | 7.85% | |
| 1 month | 8.00% | |
| 3 months | 8.50% | |
| 6 months | 8.70% | |
| 1 year | 8.85% |
A loan on MCLR resets at the end of its period, most often one year, to the MCLR then plus its spread. If yours is still on MCLR, you can ask to move it to the repo-linked rate.
Official Checked 15 Nov 2026 · Bank's own page
BoB loans: frequently asked questions
What is the BoB home loan interest rate?
As of 15 Nov 2026, Bank of Baroda publishes home loan rates of 7.40% to 9.65% a year (floating). The lowest, 7.40%, is for: For Salaried*. The rate you are offered depends on your credit score, income and the loan amount.
What is the BoB loan against property interest rate?
As of 15 Nov 2026, Bank of Baroda publishes loan against property rates of 8.90% to 11.50% a year (floating). The lowest, 8.90%, is for: Tenor up to 120 Months · Up to Rs. 7.5 crore. The rate you are offered depends on your credit score, income and the loan amount.
What is the BoB car loan interest rate?
As of 15 Nov 2026, Bank of Baroda publishes car loan rates of 7.85% to 13.65% a year (floating). The lowest, 7.85%, is for: New Car. The rate you are offered depends on your credit score, income and the loan amount.
What is the BoB two-wheeler loan interest rate?
As of 15 Nov 2026, Bank of Baroda publishes two-wheeler loan rates of 12.65% a year (floating). The lowest, 12.65%, is for: . The rate you are offered depends on your credit score, income and the loan amount.
What is the BoB education loan interest rate?
As of 15 Nov 2026, Bank of Baroda publishes education loan rates of 7.10% to 10.50% a year (floating). The lowest, 7.10%, is for: Top 100 Institutions. The rate you are offered depends on your credit score, income and the loan amount.
What is the BoB personal loan interest rate?
As of 15 Nov 2026, Bank of Baroda publishes personal loan rates of 10.40% to 18.05% a year (floating). The lowest, 10.40%, is for: Govt Employees / defence personnel maintaining salary account with our Bank under scheme code SB 182 & 186. The rate you are offered depends on your credit score, income and the loan amount.
What is the EMI on a ₹50 lakh home loan from BoB?
At BoB's lowest published rate of 7.40%, a ₹50 lakh home loan over 20 years costs about ₹39,974 a month, or ₹45,93,875 in interest over the loan. Charges and insurance are extra.
Are BoB loans linked to the repo rate?
Bank of Baroda's repo-linked lending rate (BRLLR) is 8.15% from 8 Oct 2026. Floating retail loans are priced from it, plus a spread fixed when you borrow.
What is BoB's MCLR?
Bank of Baroda's 1-year MCLR is 8.85%, effective 12 Nov 2026. Loans taken between 2016 and 2019 and many business loans are linked to it.
Is BoB cheaper than other banks for a home loan?
Of the 8 banks we read for home loans, BoB's lowest published rate (7.40%) ranks number 4; the lowest is 7.25% at Central. Compare the charges as well as the rate.
Does RateScan get paid by BoB?
No. We take no referral fees, show no ads and don't take loan applications. Every figure is read from the bank's own page, which is linked from every row.
More BoB rates
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How we collect loan rates
From the bank's own pages. Every figure is read from the lending-rate page the bank publishes, and links back to it. Benchmarks are re-read every day.
A published rate is not an offer. Banks set your rate from your credit score, income, the loan amount and the property or vehicle. We show the range the bank publishes; "7.60% onwards" means the bank gave no top figure.
Benchmark plus spread. A floating loan's rate is the bank's benchmark (its repo-linked rate, or MCLR for older loans) plus a spread fixed when you borrow. When the benchmark moves, your rate moves with it at the next reset.
The EMI is worked out on a reducing balance with monthly instalments: EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where r is the yearly rate ÷ 12 and n the number of months. It leaves out processing charges and insurance.
No referral fees. We don't take loan applications or get paid by lenders, so the order is the order.
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