Baroda COVID Personal Loan 2.0

  • Benefit
  • Purpose
  • Eligibility
  • Limit

Baroda COVID Personal Loan 2.0 : Benefit

Low interest rate i.e. 2.00% over BRLLR +SP, irrespective of CIBIL Score. But not lower than the ROI of the linked loan.

Low Processing fee.

NIL prepayment charges

Baroda COVID Personal Loan 2.0 : Purpose

For meeting of expenses for COVID treatment or temporary liquidity mismatch due to COVID- 19, Other than speculations.

Baroda COVID Personal Loan 2.0 : Eligibility

Existing Retail Assets Customers:

Home Loan (all variants) with minimum -6- month’s relationship

Loan against Property with minimum -6- month’s relationship.

Auto Loan with minimum 12 month’s relationship.

Subject to

  • Loan is fully disbursed and moratorium period completed.
  • Min. three instalments paid.
  • Charge on the security is created and registered in CERSAI (Wherever applicable).
  • Account should not be 30+ DPD (Note: Staff members, credit facility given to non-individuals and Borrowers enjoying Over Draft limit are not eligible)

Baroda COVID Personal Loan 2.0 : Limit

Minimum: Rs. 25,000/-

Maximum: Rs. 5.00 Lacs

Subject to Maximum

10% of original sanctioned limit of linked Home Loan.

10% of original sanctioned limit of linked LAP.

For Auto Loan linked accounts,

20% of Original sanctioned limit of linked Auto Loan; and

Total of Present outstanding in linked Auto loan account and proposed sanctioned limit under Baroda Personal Loan COVID 19 Scheme 2.0 should not exceed 85 % latest insured Value* of the underlying asset i.e., Vehicle (Lower of a & b above)

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Select Covid 19 Products Type
  • Loan Guarantee Scheme for Covid Affected Tourism Service Sector
  • Additional Assurance to SHGs- COVID19
  • Baroda Emergency Credit Line for Farmer Producer Organization (FPO / FPC)
  • Baroda Special Scheme for existing Agriculture Investment Credit borrowers
  • Baroda Special Scheme for existing BKCC borrowers impacted by COVID -19
  • Baroda Covi HealthCare Scheme
  • Baroda CoviCare Personal Loan
  • Baroda COVID Personal Loan 2.0
  • BOB Guaranteed Emergency Credit Line Scheme (BGECLS)
  • Loan Guarantee Scheme for COVID Affected Sectors (LGSCAS)
  • Others

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