Bank of Baroda Home Loan Interest Rate — 16th September 2026

Q: What is the current Bank of Baroda home loan interest rate?

Its published starting rate is 7.20% , and its range goes up to 8.95% . We took that from Bank of Baroda’s website on 16 September 2026; Bank of Baroda dates the rate from 6 December 2025. Your own rate is set once Bank of Baroda has assessed your file.

Q: How long can a Bank of Baroda home loan run?

Bank of Baroda publishes a maximum term of 30 years , with an age condition of minimum 21. On ₹50 lakh at 7.20%, stretching to the full term costs ₹33,939 a month, against ₹45,502 over 15 years.

Q: How much is the monthly EMI on ₹50 lakh at Bank of Baroda?

At 7.20%, ₹50 lakh costs ₹39,367 a month over 20 years, or ₹45,502 over 15 years. At the top of Bank of Baroda’s range, 8.95%, the 20-year EMI is ₹44,826.

Public sector bank

Here’s the home loan interest rate Bank of Baroda charges, taken from its own website on 16 September 2026: from 7.20% to 8.95%. We’ve set out the card as published, what decides where you land within it, and the EMI at each end.

Starting rate

7.20%

Top of published range

8.95%

Benchmark

BRLLR 7.90%

Effective from

6 December 2025

Read from Bank of Baroda’s own website on 16 September 2026. Source and method

Bank of Baroda home loan interest rate card

By scheme and loan size

Scheme	Pricing	Rate
Baroda Home Loan / Home Improvement Loan	BRLLR − 0.70% to + 1.05%	7.20% – 8.95%
Baroda Max Savings Home Loan, up to ₹75 lakh	BRLLR − 0.70% to + 1.05%	7.20% – 8.95%
Baroda Max Savings Home Loan, above ₹75 lakh	BRLLR − 0.45% to + 1.30%	7.45% – 9.20%
Baroda CRE Home Loan	BRLLR − 0.45% to + 1.30%	7.45% – 9.20%
Baroda CRE Home Loan (Max Savings), above ₹75 lakh	BRLLR − 0.20% to + 1.55%	7.70% – 9.45%

The bank states that where you fall within each range depends on your loan limit and CIBIL score. It does not publish which score earns which spread.

What Bank of Baroda’s interest rate card tells you

Bank of Baroda prices every home loan off one benchmark — its Baroda Repo Linked Lending Rate, 7.90% since 6 December 2025 — and then places you anywhere from 0.70% below it to 1.05% above it. That 1.75% window is where your credit score and loan size do their work; the bank says so in a footnote but doesn’t say which score earns which spread. Two details are worth knowing before you apply: the Max Savings variant costs 0.25% more once the loan crosses ₹75 lakh, and loans the bank classes as CRE start 0.25% higher too.

On its starting rate, Bank of Baroda ranks 10th of the 48 lenders we track, and 8th of 11 public sector banks. That floor is 1.95 percentage points above the RBI repo rate of 5.25%, the benchmark most floating home loans in India now price against. That range isn’t academic: on ₹50 lakh for 20 years it’s the difference between ₹39,367 and ₹44,826 a month.

EMI at Bank of Baroda’s home loan interest rate

What Bank of Baroda’s 7.20% starting rate costs each month on common loan sizes. Treat these as the lowest EMI Bank of Baroda would charge, not the likely one.

Loan amount	10 years	15 years	20 years	25 years	20 yrs at 8.95%
₹35 lakh	₹41,000	₹31,852	₹27,557	₹25,186	₹31,378
₹50 lakh	₹58,571	₹45,502	₹39,367	₹35,979	₹44,826
₹70 lakh	₹81,999	₹63,703	₹55,114	₹50,371	₹62,756
₹1 crore	₹1,17,142	₹91,005	₹78,735	₹71,959	₹89,651

Reducing-balance EMI, before processing fees and insurance. Run your own numbers →

Bank of Baroda against lenders priced nearby

Bank of Baroda next to the lenders priced nearest to it. EMI is on ₹50 lakh over 20 years at each lender’s starting rate.

Lender	Published rate	EMI, ₹50 lakh / 20 yrs	vs Bank of Baroda
Canara Bank Public sector bank	7.15% – 10.00%	₹39,216	−₹151/mo
Indian Bank Public sector bank	7.15% – 9.15%	₹39,216	−₹151/mo
Bank of Baroda Public sector bank	7.20% – 8.95%	₹39,367	—
PNB Public sector bank	7.25% – 9.15%	₹39,519	+₹152/mo
SBI Public sector bank	7.25% onwards	₹39,519	+₹152/mo

All 48 lenders → Filter and compare → Lowest rates →

What moves your rate at Bank of Baroda

If you want the Max Savings variant and your loan is close to ₹75 lakh, keeping it at or under ₹75 lakh keeps you in the band that starts at 7.20% rather than 7.45%.
Start by matching your purchase to the right scheme. On a card organised by product, the same borrower can be quoted very different rates depending on whether the loan is booked as a standard purchase, a plot, an improvement or a top-up.
If you already bank with the lender, say so. An account the lender can see removes much of the income checking and gives you something to negotiate from.

Processing fee and other Bank of Baroda charges

Processing fee	0.50% up to ₹50 lakh (minimum ₹8,500, maximum ₹15,000) and 0.25% above ₹50 lakh (minimum ₹8,500, maximum ₹25,000), plus GST. Takeover loans pay a flat ₹8,500. On a ₹50 lakh loan, that comes to ₹15,000, before GST.
Prepayment and foreclosure	No pre-closure charge. On fixed-rate loans, nil from your own funds and 0.50% of the outstanding if another lender takes the loan over.
Changing your rate (conversion)	0.10% of the outstanding, minimum ₹10,000, maximum ₹1 lakh
Deviation from lending norms	₹1,500 per deviation, maximum ₹5,000

Bank of Baroda’s current page prints these as “50%” and “25%”. Its earlier schedule shows 0.50% and 0.25% with the same minimums and maximums, so we read them as typos — confirm the figure on your sanction letter.

Source: Bank of Baroda’s own schedule of charges, read on 16 September 2026: https://bankofbaroda.bank.in/loans/home-loan/baroda-home-loan

Bank of Baroda home loan eligibility

Who can apply	Individuals, alone or jointly — resident Indians, NRIs, PIOs and OCIs. Salaried applicants need a year in their job; business owners and professionals two years in business. HUFs aren’t eligible.
Age	Minimum 21
Longest term	30 years
Loan amount	Up to ₹20 crore in Mumbai and ₹7.5 crore in Delhi NCR, Hyderabad and Bengaluru; lower in other cities

Source: Bank of Baroda’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://bankofbaroda.bank.in/loans/home-loan/baroda-home-loan

Bank of Baroda home loan interest rate — common questions

What is the current Bank of Baroda home loan interest rate?

Its published starting rate is 7.20%, and its range goes up to 8.95%. We took that from Bank of Baroda’s website on 16 September 2026; Bank of Baroda dates the rate from 6 December 2025. Your own rate is set once Bank of Baroda has assessed your file.

How much does Bank of Baroda charge to process a home loan?

0.50% up to ₹50 lakh (minimum ₹8,500, maximum ₹15,000) and 0.25% above ₹50 lakh (minimum ₹8,500, maximum ₹25,000), plus GST. Takeover loans pay a flat ₹8,500. On a ₹50 lakh loan, that comes to ₹15,000, before GST. Bank of Baroda’s current page prints these as “50%” and “25%”. Its earlier schedule shows 0.50% and 0.25% with the same minimums and maximums, so we read them as typos — confirm the figure on your sanction letter.

How long can a Bank of Baroda home loan run?

Bank of Baroda publishes a maximum term of 30 years, with an age condition of minimum 21. On ₹50 lakh at 7.20%, stretching to the full term costs ₹33,939 a month, against ₹45,502 over 15 years.

What sets my home loan rate at Bank of Baroda?

Bank of Baroda publishes its rates by scheme and loan size. For example — Baroda Home Loan / Home Improvement Loan: BRLLR − 0.70% to + 1.05% · 7.20% – 8.95%; Baroda Max Savings Home Loan, up to ₹75 lakh: BRLLR − 0.70% to + 1.05% · 7.20% – 8.95%; Baroda Max Savings Home Loan, above ₹75 lakh: BRLLR − 0.45% to + 1.30% · 7.45% – 9.20%. The full card is reproduced above.

How much is the monthly EMI on ₹50 lakh at Bank of Baroda?

At 7.20%, ₹50 lakh costs ₹39,367 a month over 20 years, or ₹45,502 over 15 years. At the top of Bank of Baroda’s range, 8.95%, the 20-year EMI is ₹44,826.

Is the Bank of Baroda home loan interest rate floating or fixed?

The home loan interest rate Bank of Baroda publishes is floating. Bank of Baroda quotes its home loan rates against BRLLR, currently 7.90% (repo 5.25% + 2.65%). When the benchmark moves, floating rates linked to it move with it; the spread Bank of Baroda adds for your profile generally stays the same.

How does Bank of Baroda compare with Canara Bank?

Canara Bank disclosed a lowest rate of 7.15%, against 7.20% at Bank of Baroda — 0.05 points lower. On ₹50 lakh over 20 years that’s ₹151 a month at those rates. Compare the full rate cards and get a written quote from each before deciding.

Where these figures come from

Source: Bank of Baroda’s own interest rate page, read by BankCreds on 16 September 2026: https://bankofbaroda.bank.in/interest-rate-and-service-charges/retail-loans-interest-rates

Bank of Baroda states the rate took effect on 6 December 2025.

This is the first reading in our Bank of Baroda rate history, taken on 16 September 2026, and future changes will be dated from it. The fees and eligibility shown were read from Bank of Baroda’s own schedule of charges and product pages.

Rates are what Bank of Baroda publishes, not an offer: the rate you’re quoted is set by Bank of Baroda after it assesses your application. How we collect and check rates →