Bank of Baroda Home Loan Interest Rate starts at 7.20%*
Bank of Baroda charges between 7.20% and 10.60% depending on your CIBIL score and profile. If you are an existing Bank of Baroda borrower paying 8.00% or more, you may be overpaying. Check in 60 seconds, with no credit score impact.
Bank of Baroda home loan at a glance
Headline terms for a new Bank of Baroda home loan. Your final rate is set after Bank of Baroda assesses your CIBIL score, income, loan amount and property.
| Interest rate | 7.20% – 10.60% p.a. |
| Lender type | Public Sector |
| Rate benchmark | BRLLR (Baroda Repo Linked Lending Rate) |
| Processing fee | Nil to 0.50% (Max ₹10,000) + GST |
| Maximum loan amount | ₹20 Crore |
| Maximum tenure | 30 years |
| Best suited for | Competitive spread on Baroda Repo Linked Rate (BRLLR) |
How your CIBIL score moves your Bank of Baroda rate
Already paying Bank of Baroda 8.00% or more?
Enter three numbers from your loan statement. We show savings after switching costs, not the inflated gross figure, and tell you honestly if moving is not worth it.
💡 Pro Tip: Tip: before switching, ask Bank of Baroda for a spread reset. If they refuse or charge too much, a transfer is your leverage.
Bank of Baroda home loan EMI for ₹30 lakh to ₹75 lakh
Monthly EMI on a 20-year loan at Bank of Baroda's starting rate, and at 1% higher. That 1% is roughly what a weaker CIBIL score or an old spread costs you.
| Loan amount | EMI @ 7.20% | EMI @ 8.20% | Extra you pay / month |
|---|---|---|---|
| ₹30 lakh | ₹23,620 | ₹25,468 | +₹1,848 |
| ₹40 lakh | ₹31,494 | ₹33,957 | +₹2,463 |
| ₹50 lakh | ₹39,367 | ₹42,446 | +₹3,079 |
| ₹75 lakh | ₹59,051 | ₹63,670 | +₹4,619 |
How Bank of Baroda decides your rate
Bank of Baroda is a bank, so every new floating-rate home loan is linked to an external benchmark, which for most banks is the RBI repo rate.
Repo moves, your rate follows
The RBI repo rate is at 5.25% and the next policy decision is on October 7, 2026. If it changes, Bank of Baroda revises its repo-linked rate and your loan resets within the reset window.
Your spread does not move
The spread set on day one usually stays for the full tenure, even if your CIBIL score improves. That is why older Bank of Baroda borrowers often pay more than new ones.
Lenders stretch tenure, not EMI
When rates go up, most lenders keep your EMI the same and add months to the loan. Your statement may not show the real payoff date.
When a switch makes sense
Rate gap of 0.40% or more, 5+ years left, and a balance above ₹20 lakh. Below that, switching costs can eat the savings.
Bank of Baroda vs lenders with similar rates
The lowest starting rate is not always the lowest rate for your profile. Compare before you sign or switch.
| Lender | Interest rate (p.a.) | Processing fee |
|---|---|---|
| 7.15% – 9.70% | 0.35% (Max ₹15,000) + GST | |
| 7.15% – 10.40% | Nil Processing Fee | |
| 7.15% – 11.00% | 0.50% (Min ₹1,500 to Max ₹10,000) + GST | |
| 7.15% – 12.65% | 0.50% (Max ₹15,000) + GST | |
Bank of BarodaFeatured | 7.20% – 10.60% | Nil to 0.50% (Max ₹10,000) + GST |
| 7.20% – 13.20% | Up to 0.50% of loan amount or ₹3,000 + GST |