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  • IndiaFirst Life e-Term Plus Plan

    Take care of your family’s financial requirement and opt to enhance your cover at key life stages.

    • Get an option to cover for major critical illnesses as well as accidental death and disability.
    • A monthly income in instalments can counter the burden of living expenses for your loved ones.
  • IndiaFirst Life Guaranteed Benefit Plan

    Accomplish your future goals! Choose from Income Benefit or Lumpsum Benefit option as per your need.

    • Tailor the plan to suit your requirements, as you get to choose from 4 varied options under the Income Benefit option.
    • Get three-way boost in the Income Benefit option. Receive Monthly Income, Annual Income as well as Maturity at the end of the policy term.
  • IndiaFirst Life Guaranteed Pension Plan

    Choose from 5 different annuity options as you create the assurance of a lifetime of income

    • Protect your family even in case of an unfortunate event! Avail the Return of Purchase Price facility and protect your nominee(s)as they get back the premium amount
    • Pay for a limited period while enjoying the annuity benefits of your policy for a lifetime
  • IndiaFirst Life Guaranteed Protection Plan

    • Get financial protection for yourself and your family with life cover at an affordable cost with IndiaFirst Life Guaranteed Protection Plan
    • With multiple options, tailor this policy to suit your safety needs as you get a choice of 7 different coverage options to choose from
    • Get covered for whole of life (till age 99) by paying premiums for only a short duration
  • IndiaFirst Life Long Guaranteed Income Plan

    Pay for shorter period and enjoy long-term benefits with this savings plan

    • Guaranteed income to support you in fulfilling your financial goals
    • Give a boost to your lifestyle needs with Definite Income Option. Get guaranteed income for a fixed period of 20 years
  • IndiaFirst Life Money Balance Plan

    You can optimize your savings with the help of our ‘automatic trigger based’ investment strategy. We help you build your savings systematically while securing the earnings through an automatic transfer in relatively safe funds that give consistent returns.

    • You may pay your premium(s) either regularly or for a limited period of time or through a single payment.
    • IndiaFirst Money Balance Endowment Policyoffers a life cover in case of the life assured’s untimely demise.
  • Indiafirst Life Radiance Smart Invest Plan

    • Build a corpus of wealth by investing in market-linked fund options. Get the flexibility to choose from seven different fund options as per your requirement.
    • Choose from 10 fund options and avail unlimited free switches as per your needs.
    • Choose from 3 plan options to meet your
  • IndiaFirst Life Saral Bachat Bima Plan

    Create a long-term protection for your loved ones through life insurance cover of up to 12 or 15 years

    • Pay for a period of 5 or 7 years while benefitting from your policy for an entire policy term
    • Boost your savings with annual guaranteed additions
    • Provide your loved ones with the benefit of lumpsum amount or income over a period of 5 years in case of death of life assured with this savings plan
  • IndiaFirst Life Smart Pay Plan

    Pay for a shorter period with options suiting your time horizon and fulfil your long-term goals.

    • Continue to enjoy life cover benefit even if you miss to pay one premium (applicable after you have paid two full years’ premiums).
    • Enjoy the upside of earnings with an annual bonus (if any).
    • Get 103% of your one annual premium back as survival benefit.
  • IndiaFirst Life Wealth Maximizer Plan

    Grow your money while you participate in market linked fund option. Get the flexibility to choose from seven different fund options as per your requirement. Choose any one of the below investment strategies in your policy to accomplish your financial goals:

    • Automatic Trigger Based Investment Strategy: Build a safety net around your hard-earned money by choosing to transfer your positive returns into relatively safer fund options for steady growth.
    • Fund Transfer Strategy: Park your premiums in the equity and debt market in a systematic manner and make sure you build an organized portfolio.
    • Age Based Investment Strategy: Create a portfolio that not only protects your money but also ensures a well-balanced and stronger portfolio as you grow older.
  • IndiaFirst Smart Save Plan

    You can build your savings systematically, through various fund options

    • This ULIP Plan offers a life cover in case of the life assured's untimely death
    • You have the option of 4 funds across different asset classes, where you choose the proportion of your premiums based on your risk appetite
  • IndiaFirst Life e-Term Plus Plan

    Take care of your family’s financial requirement and opt to enhance your cover at key life stages.

    • Get an option to cover for major critical illnesses as well as accidental death and disability.
    • A monthly income in instalments can counter the burden of living expenses for your loved ones.
  • IndiaFirst Group Term Plan

    Life cover benefit available for your group at affordable rates.

    • Voluntary or automatic schemes.
    • Amplify your cover with tax benefits.
  • IndiaFirst Guaranteed Retirement Plan

    IndiaFirst Guaranteed Retirement Plan

    Maximize your retirement pool, up to a term of 40 years.

    • Multiple options to invest at your own pace.
    • Minimum Rs. 15.01 lakhs and maximum below Rs. 2 crores.
  • IndiaFirst Life Cash Back Plan

    IndiaFirst Life Cash Back Plan

    Pay for a limited period under the policy and enjoy periodical pay back through the policy term.

    • You can pay during your earning years but stay invested for longer (9/ 12/ 15 years) based on your requirements.
    • Enjoy every joyous moments of your life through guaranteed pay-outs at regular interval during the policy term.
  • IndiaFirst Life Guarnteed Monthly Income Plan

    This plan assures you guaranteed income coming your way every month.

    • Get more than what you pay with timely assured payouts.
    • Get tax benefits.
  • IndiaFirst Life Little Champ Plan

    IndiaFirst Life Little Champ Plan provides financial protection of loved ones with safety of life insurance cover

    • Flexibility to choose the type of coverage required - Death with Accidental Death or Accidental Total Permanent Disability (ATPD) or a combination of these benefits for different premium amounts
    • In case of death of life insured or on life insured suffering from Accidental Total Permanent Disability (ATPD), if chosen; no more future premiums will be required to be paid.
  • IndiaFirst Life Wealth Maximizer Plan

    IndiaFirst Life Wealth Maximizer Plan

    Through this ULIP investment plan, grow your money while you invest in market linked fund options.

    • Exclusive add-on benefits and unlimited free switches.
    • Flexibility to pay top-up premium.
  • IndiaFirst Maha Jivan Plan Life Insurance

    IndiaFirst Maha Jeevan Plan

    Higher of (Guaranteed Sum Assured on maturity or 10 times Annualized Premium) + Accrued Bonus till death, if declared + Term Rider Sum Assured, if opted

    • Enhance your life cover through IndiaFirst Term Rider offered under the plan.
    • Regular premium contributions.
  • IndiaFirst Money Balance Plan

    IndiaFirst Money Balance Plan

    Optimise your investments with the help of our 'Automatic Trigger Based' investment strategy.

    • Partial withdrawal option and life cover.
    • Premium payment options.
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Select Life Insurance Type
  • IndiaFirst Life e-Term Plus Plan
  • IndiaFirst Life Guaranteed Benefit Plan
  • IndiaFirst Life Guaranteed Pension Plan
  • IndiaFirst Life Guaranteed Protection Plan
  • IndiaFirst Life Long Guaranteed Income Plan
  • IndiaFirst Life Money Balance Plan
  • Indiafirst Life Radiance Smart Invest Plan
  • IndiaFirst Life Saral Bachat Bima Plan
  • IndiaFirst Life Smart Pay Plan
  • IndiaFirst Life Wealth Maximizer Plan
  • IndiaFirst Smart Save Plan

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Frequently Asked Questions (FAQs)

  • 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.
  • 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.

  • 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.

  • 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.
  • 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.

  • 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.

  • 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.

    or

    • Fixing the monthly/quarterly instalments on the graduated basis is permitted of EMI as requested by customers.
  • 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.

  • 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.
  • 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

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