Bank announces Financial Results for quarter ended, 30th June 2023.
NOTIFICATION DATED 27.06.2023 FOR SALE / ASSIGNMENT OF FINANCIAL ASSET (NPA) to ARCs (E-AUCTION ON 14.07.2023)
As per revised RBI directives all our Locker-holders are requested to visit Bank of Baroda, Base Branch.
With Bank Of Baroda personal loan, you get lowest interest rates, instant approval with minimal documentation. Checkout Bank of Baroda personal loan interest rates & eligibility. Apply now!
Apply for Bank of Baroda Home Loan online at the lowest interest rates. Checkout our home loan eligibility, interest rates, documentation. Get instant home loan approval. Apply now!
Car Loan: Apply for auto loan online by Bank of Baroda at an attractive interest rates & easy EMI option. Upto 90% financing on on-road price. Buy your dream car today!
Why should finance come in the way of future? Getting an education loan is an easy way to finance your dreams. A student loan can help you get into the university of your choice. Bank of Baroda is here to finance your dreams, education & career goals.
The easiest way to save for you, for your loved ones, and for your future. A savings account gives you the liberty to choose according to your needs and additionally give you benefits for all your transactions. With a gamut of savings account features on the table, Bank of Baroda is here to make your banking simple and easy!
Open Current Account online at Bank of Baroda to meet all your banking needs. Go to our website to learn more about the different types of current accounts we offer and apply now!
Bank of Baroda deposit plans offer convenient solutions to both working individuals as well as senior citizens. These deposits are categorised into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.
An account for all. B3 Silver Account comes with maximum savings and zero Quarterly Average Balance (QAB). Also, make the most of coins and annual offers from Loyalty Rewardz to fulfill yearlong subscriptions and shopping.
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Bank of Baroda focuses on its employees, offering a career rather than just a job. Various initiatives are in place to groom employees throughout their life cycle. A comprehensive talent management system to groom future leaders of the bank.
Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. Choose the one best suited card for your needs.
Own the evergreen, traditional ornament of prosperity.
To entrust women’s financial needs and positively support their entrepreneurial skills. Get safe loans with up to 36 months payback tenure on EMI.
Interest on monthly basis. The principal will be repaid by way of bullet payment at any time during the tenure of the loan.
EMI – EMI on monthly basis.
*Subject to change of BRLLR
Secured by minimum 18 carat Gold Jewellery / Ornaments.
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Frequently Asked Questions (FAQs)
Specifically, while taking a loan, the borrower fulfills one purpose with the money lent. Whereas, in the case of a retail gold loan, the bank gives a hoard of avenues to the borrower for the loan against gold. The gold pledged can be used for personal uses, such as – purchase of a car, education, marriage, or other expenses except speculation.
Bank of Baroda gold loan interest rate is 9.15%* for demand loan and gold loan on EMI scheme. Whereas it is 9.15%* for overdraft gold loan. *Liable to change as and when the BRLLR changes.
The gold loan interest rate is calculated on a monthly basis by the lender (bank or NBFC). You can easily check bob gold loan interest rate today with an entire break-up of tenure, interest rate, and eligible loan amount.
An ornament or gold is an asset for a lifetime. At Bank of Baroda, the loan against gold goes up to Rs. 50 lakhs with no processing charges for gold loan up to Rs. 3 lakhs. A list of undeniable features which retail gold loan possesses – instant loan approvals, competitive rate of interest, no pre-closure charges, hassle-free documentation and workable tenure for dues.
Yes. You can opt for EMI to pay the loan dues against gold. Maximum tenure for repayment under EMI scheme – 36 months (3 years).
Yes, it is safe to apply for a loan against gold. The gold loan interest rate is comparatively lower than other personal loans while a customer gets gold loan as instantly as possible.
At Bank of Baroda, gold loan per gram shifts from day to day in line with the market value of gold. In addition, the gold loan per gram includes 25% margin. You can apply for a gold loan online or visit the nearest branch.
We accept all forms of digital payments for gold loan interest, including RTGS, NEFT, through BOB world (Mobile banking) and BOB connect (Internet Banking) etc.
Once you reach the end of the tenure, let’s say, 12 months, you can visit the nearest branch for a new mandate on your existing BOB gold loan. Currently, there are no facilities provided to renew it online or digitally.
You should have your bank account KYC complied, i.e., proof of residence, passport size photographs, proof of signature and proof of identity.
The gold deposited at the bank as collateral is the most secure instrument. Gold loan in itself is a secured and most sought-after type of loan.
No. The banks do not have a provision for accepting gold bars or coins for loan against gold. Although, institutions accept minted gold coins issued by banks – where each person has a pre-decided limit of 50 grams of gold.
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