वैयक्तिक ऋण ईएमआई कैलकुलेटर
वैयक्तिक ऋण ईएमआई कैलकुलेटर
  • ऋण राशि:

  • ब्‍याज दर (%):

  • ऋण अवधि (मासिक):

  • की एक समान मासिक किश्त (ईएमआई)

  • लाभ
  • विशेषताएं
  • पात्रता मानदंड
  • आवश्यक दस्तावेज़
  • ब्याज दर एवं प्रभार
  • अति आवश्यक नियम व शर्तें

बड़ौदा डिजिटल पूर्व - स्वीकृत वैयक्तिक ऋण : विशेषताएं

पूर्व-स्वीकृत ऋण का प्रयोजन: सट्टेबाजी को छोड़कर किसी भी प्रयोजन के लिए

बड़ौदा डिजिटल पूर्व-स्वीकृत वैयक्तिक ऋण
ऋण राशि रु.50,000/- से अधिक और रु.5,00,000/- तक
चुकौती अवधि 18-36 माह

  • आयु मानदंड
    1. न्यूनतम आयु: 21 years
    2. अधिकतम आयु: Less than 57 years

बड़ौदा डिजिटल पूर्व - स्वीकृत वैयक्तिक ऋण : पात्रता मानदंड

  • वेतनभोगी व्यक्ति
  • स्व नियोजित
  • कृपया नोट करें : एनआरआई/ एसएचजी इसके लिए पात्र नहीं है
  • To check Pre-Approved loan offer: type PAPL <space> last four digits of your debit card and send SMS to 8422009988 from your registered mobile number.

बड़ौदा डिजिटल पूर्व - स्वीकृत वैयक्तिक ऋण : आवश्यक दस्तावेज़

  • वैध मोबाइल नंबर (बैंक ऑफ़ बड़ौदा के खाता संख्या से लिंक)
  • ई-स्टांपिंग एवं ई-हस्ताक्षर के लिए ओटीपी प्राप्त करने हेतु आधार नंबर

बड़ौदा डिजिटल पूर्व - स्वीकृत वैयक्तिक ऋण : ब्याज दर एवं प्रभार

Fixed ROI:

Product Conditions Applicable Rate of Interest Effective Rate of Interest
Baroda Digital Pre-Approved Personal Loan Rate of Interest (based on CIBIL Score and internal score)
Repo Rate + Spread
  • Min: 1 Year MCLR+SP+3.80
  • Max: 1 Year MCLR+SP+7.30
Effective Rate of Interest

Floating ROI:

Product Conditions Applicable Rate of Interest Effective Rate of Interest
Baroda Digital Pre-Approved Personal Loan Rate of Interest (based on CIBIL Score and internal score)
Repo Rate + Spread
  • Min: BRLLR+SP+3.50
  • Max: BRLLR+SP+7.00
Effective Rate of Interest

Unified Processing Charges:

Processing charge @2% of loan amount + Applicable GST

Stamp duty:

As per state stamp act

Penal Charges:
  • Penal Charges @ 2% p.a. will be charged on the amount of default for delayed payment of dues including Principal, interest, service charges etc.,
    NOTE: Penal Charges will be applied solely to overdue payments (instalments and/or interest/service charges etc.), for the period they remain unpaid beyond their due date. Penal Charges will be calculated based on the actual number of days of default but will be debited on a monthly basis.
  • Penal Charges @ 2% p.a. will be charged on the outstanding balance of credit facilities of borrower for the default period for following nature of non-compliance:
    1. Non-Submission of documents as per sanction terms
    2. Non-compliance in security perfection as per sanction terms.
    3. Any other breaches/ non- compliance in material terms of sanction

बड़ौदा डिजिटल पूर्व - स्वीकृत वैयक्तिक ऋण : अति आवश्यक नियम व शर्तें

ऋण सीमा
  • पूर्व-स्वीकृत वैयक्तिक ऋण: रु.50,000/- से अधिक और रु. 5,00,000/- तक
चुकौती अवधि
  • पूर्व-स्वीकृत वैयक्तिक ऋण: 18-36 माह
आयु न्यूनतम -21, Maximum age - “Less than 57 years”
Pre - Payment/ Pre-Closure Charges
Floating ROI Fixed ROI
NIL Any prepayment of EMls in full or part and closure of account before the end of term will attract the prepayment charges of 3%+GST on prepaid amount after paying of one EMI.

अक्सर पूछे जाने वाले प्रश्न

  • What is PAPL?

    PAPL i.e. Preapproved Personal Loan is a personal Loan product of the Bank which is offered to a select set of customers without income assessment.

  • How much time does it take for pre-approved loan approval and disbursal?

    It generally takes about 5-10 minutes to complete the entire process till disbursement.

  • Does pre-approval guarantee a personal loan?

    No, merely qualifying for Pre-approved offer does not guarantee final eligibility for the Personal Loan.

  • Can pre-approved loan be rejected?

    Yes, pre-approved offers can be rejected basis non fulfilment of criteria set by the bank.

  • How does the pre-approval process work for personal loans?

    The bank has a set of internal criteria based on which customers are selected for pre approval.

  • Is it safe to accept a pre-approved personal loan offer?

    Yes, it is absolutely safe to accept the pre-approved personal loan offer using bank’s official digital channels. The loan can be used for any bonafied purpose other than speculation.

  • How is the EMI calculated for a pre-approved personal loan?

    EMI is the fixed amount to be repaid by the customers every month for the entire repayment tenure of the loan. Each EMI constitutes a portion of Principal amount as well as the applicable interest over the period of the loan.

  • How to repay the pre-approved loan?

    At the time of loan account opening standing instructions regarding payment of the EMI is applied on the saving account of the customer. Thus, the customer needs to ensure that his/her account has sufficient balance in the account to service the EMI on the due date of every month.

  • Are there any processing fees for pre-approved personal loans?

    Yes, processing fees @ 2% of the loan amount plus GST is levied for PAPL.

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