All types of Loans, by Bank of Baroda.
Super quick disbursals and attractive rates of interest.
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- Home purchase
- Loan against mortgage
- Loan against security
- Four wheeler
- Loans Against FCNR Deposits
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Baroda Car Loan for NRI/PIOs
Salaried employees or businessmen can use this loan for purchase of new a car for their private use.
- Higher amount of eligibility upto Rs.100 lakhs.
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Baroda CRE Home Loan for NRI/PIOs
If an individual owns two or more houses, singly or jointly, then the exposure for the third house onwards/purchase of plot is to be considered under this scheme.
- Rate of interest for Baroda CRE Home Loan for NRI/PIOs will be 0.25%.
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Baroda Home Improvement Loan for NRI/PIOs
A loan for home improvement such as repairs, renovation, purchase of furniture, fixtures, other gadgets such as fans, geysers, air conditioners, water filters, air purifiers, heaters, desert coolers, etc.
- Applicant should have minimum gross annual income equivalent to Rs. 5 lakhs per annum.
- Tenure: 30 Years
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Baroda Home Loan
Home loan rates of Bank of Baroda is the best in the market without any differentiation in loan amount or tenure, salaried or self-employed, NRI.
- Free Credit Card
- Longer tenure upto 30 years.
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Baroda Home Loan Advantage for NRI/PIOs
The borrower shall deposit all his savings to the linked SB account to avail maximum benefit of interest in the Home Loan account.
- Eligible for Non-Resident Indians (NRIs) holding Indian passport or Persons of Indian origin (PIOs) holding foreign passport or Overseas Citizens of India (OCI).
- Zero rate of interest
- Tenure: 30 Years
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Loan Against FCNR (B) Deposits in Foreign Currency in India
This plan is ideal for Non-Resident Indians seeking loans in Foreign Currency in India against their own FCNR (B) deposits.
- Margin will be 5% of present value of the deposit.
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Loans Against FCNR (B) Deposits in Rupees
A loan scheme used for personal purposes or for carrying on business activities except for the purpose of re-lending.
- Rate of interest: MCLR plus 100 bps.
- Also used to make direct investment in India on non-repatriation basis by way of contribution.
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Baroda Top Up Loan for NRI/PIOs
Baroda Top-Up Loan is an additional loan facility extended to home loan borrowers for any purpose except speculative/illegal purpose.
- Granted against the security.
- Can be used for any purpose excluding speculative or illegal.
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Loans/Overdrafts Against Security of Non-Resident (Rupee) Fixed Deposits
Avail of credit facilities by unlocking the hidden potential of your fixed deposits.
- The loans/overdrafts shall be in non-repatriable Indian Rupees.

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Can I avail a home loan from Bank of Baroda?
- Yes, you can avail a home loan from Bank of Baroda, if you plan to construct or purchase a house/flat or extend your existing house/flat and, you are:
- A minimum of 21 years
- Employed or self-employed with a regular income.
- Yes, you can avail a home loan from Bank of Baroda, if you plan to construct or purchase a house/flat or extend your existing house/flat and, you are:
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What is the average tenure of a home loan?
- We grant term up to a maximum of 30 years. The term for the loan will under no circumstances exceed the age of retirement or completion of 65 years of age, whichever is earlier.
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Who can be co-applicant?
- The proposed owners of the residential accommodation as per the agreement for sale, in respect of which financial assistance is sought, must be co-applicants. Usually, joint applications are from husband-wife, father-son or mother-son, etc.
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How much does Bank of Baroda lend?
- Loan amount is determined on the basis of the repaying capacity of the applicant/s. Repaying capacity takes into consideration factors such as age, income, dependents, assets, liabilities, stability of occupation and continuity of income, savings, etc.
- The maximum loan would be Rs.10 crores per unit to any individual applicant based on the area where the property is proposed to be constructed/purchased. We will extend a loan of up to 90% (for newly constructed houses/flat) of the cost of property under our Housing Loan Scheme.
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For how long a period can I get the loan?
- We grant a term up to a maximum of 30 years. The term for the loan will under no circumstances exceed the age of retirement or completion of 65 years of age, whichever is earlier.
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But can I prepay the loan ahead of schedule?
- Yes, you have the option to prepay the loan ahead of schedule either in parts or in full from your own sources.
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What is the mode of repayment?
- Equated Monthly Instalment (EMI): It means a uniform lumpsum amount, which includes repayment of a part of the principal amount and payment of interest, calculated on daily product basis.
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- Fixing the monthly/quarterly instalments on the graduated basis is permitted of EMI as requested by customers.
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What is the security for the loan?
- The security for the loan is an equitable mortgage of the property to be financed. The security for the loan is equitable mortgage of the property to be financed.
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What are the supporting documents required while applying for the loan?
Common requirements for all applicants.
- Application form duly filled in (with a photograph of all the applicant).
- Residence and age verification, which may be established from the PAN Card, Election ID, Passport, Drivers Licence and Ration Card, etc.
- Copy of approved plan and sanction letter from local civic authority.
- Copy of NA permission.
- One/two guarantor/s form/s and salary certificates: If a guarantor is in business, copies of I.T. returns or assessment orders for the last three years are required.
- Bank passbook of statements for the last two years.
- Latest salary slip/statement showing all deductions in case of employed applicants.
- Certified copies of Balance Sheets and Profit and Loss accounts, IT acknowledgments, advance tax challans (for both company/firm and personal account) for the last three years in case of self-employed applicants.
- Memorandum/articles of association for companies, partnership deeds for firms and a brief profile of your company/firm in case of self-employed applicants.
Additional requirement.
- In case of purchase from builder
- Copy of agreement for sale.
- Copy of registration receipt.
- Copy of sanctioned plan & sanction letter of the competent authorities.
- Copy of NA permission/ULC order.
- Copies of receipts of payments already made.
- NOC from builders in our format.
- In case of direct allotment in a Co-operative Housing Society
- Allotment letter.
- Share certificate. Society registration certificate.
- Copy of sale/lease deed in favour of the society.
- NOC from society in our format.
- Possession letter in original.
- In case of resale:
- Copy of all the previous vendors’ agreements duly stamped and registered and the registration receipts. (original to be given before disbursement).
- NOC from society/builder in our format.
- Original share certificate.
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Whether you have any housing loan products for NRIs?
- Yes. We have housing loan products for NRIs/PIOs. For details, please visit our website at Housing Loans to NRIs /PIOs