Home Loan EMI Calculator
Home Loan EMI Calculator
  • Loan Amount:

  • Tenure (months):

  • Interest Rate:

  • Equated Monthly Installment (EMI) will be

  • Benefits
  • Features
  • Eligibility
  • Interest rates & charges
  • Documents required
  • Most Important Terms and Conditions (MITC)

Baroda Top Up Loan : Benefits

Baroda Top up Loan is an Additional Loan facility extended to Home Loan Borrowers for any purpose except speculative/illegal purpose.

Baroda Top Up Loan : Features

  • Low Interest Rates
  • Low Processing Fee
  • No Hidden Charges
  • No Pre Payment Penalty
  • Interest charges on Daily Reducing Balance

Baroda Top Up Loan : Eligibility

Eligible Borrowers

All existing home loan borrowers including NRIs/PIOs, staff and ex-staff members (availed home loan under public scheme as well as staff housing loans) whose asset classification is standard.

Baroda Top Up Loan : Interest rates & charges

Product Conditions Repo Rate + Spread Effective Rate of Interest
Baroda Top Up Loan
For Salaried* & Non-Salaried
Repo Rate + Spread
Applicable ROI on linked Home Loan (Based on BRLLR on the date of availment of Top up Loan) + Strategic Premium (0.25%) + 0.60%
Effective Rate of Interest

Processing Charges :
  1. For Takeover leads received through Non-DSA (Digital or Non-digital) –

    NIL, subject to Login Fee of Rs.1,500/- which is to be refunded on first disbursement.

  2. For Home Loan in approved projects (Digital or Non-digital):

    100% waiver in Processing charges, subject to recovery of out-of-pocket expenses of ₹3,500.00 + GST (Per Property)./p>

  3. Under Home Loan Scheme for Central/State Govt/PSUs employees – for non-DSA (including leads generated by DST) –

    NIL, subject to Login Fee of Rs.1,500/- which is to be refunded on first disbursement.

  4. For Other Home Loan lead sourced through Non-Digital Channel:

    100% waiver in Processing charges, subject to recovery of out-of-pocket expenses of ₹10,000.00 + GST (Per Property)

  5. For Home Loan leads sourced through Digital Channel:

    100% waiver in Processing charges, subject to recovery of out-of-pocket expenses of ₹5,000.00 + GST (Per Property) to ₹8,500.00 + GST (conditions apply)

Baroda Top Up Loan : Documents required

To check out the documents required for Baroda Home Loan,click here.

Baroda Top Up Loan : Most Important Terms and Conditions (MITC)

Loan Limit
  • Minimum: Rs. 1 lakh
  • Maximum: Rs. 10.00 Crores


Any purpose other than speculation.


25% of residual value of house property after deducting 150% of outstanding loan amount of existing home Loan.

Outstanding Home Loan + Proposed Top Up Loan (Based on Realizable Value)

Loan Amount LTV Ratio (HL + Top-Up) Margin
Up to Rs. 30 lakhs 90% 10%
Above Rs. 30 lakhs & up to Rs. 75 lakhs 80% 20%
Above Rs. 75 lakhs 75% 25%


Minimum Age

21 years (applicant), 18 years (co-applicant)

Maximum age

  • Age of the borrower + tenure of Top Up Loan should not exceed 70 years as per laid down norms mentioned under home loan product (for resident Indian)
  • Age of the borrower + tenure of Top Up Loan should not exceed 65 years (for NRIs/PIOs/OCIs)

Repayment Period
  • Top Up Loan may be sanctioned for the maximum period up to which the applicant is eligible as per his/her age criteria i.e. irrespective of the tenure of linked home loan applied/availed.
  • In case linked home loan account is closed, the repayment of Top Up Loan can be continued up to the sanctioned tenure.
  • However, no fresh/enhancement of Top Up Loan facility will be sanctioned after the closure of linked home loan.
  • Repayment by equated monthly instalments (EMI). First instalment due one month after first disbursement.
  • In case of existing Top Up Loan (erstwhile AAA), the same is to be closed within 4 years after the pre-closure of linked home loan account as per existing terms and conditions.


Extension of equitable mortgage.

  • Property insurance cover to be obtained at the cost of borrower as per bank’s norms.
  • Free personal accidental death insurance cover is available under master policy.
  • Group credit life insurance cover (optional and at the cost of borrower).

Repayment Capacity

Total deductions including proposed EMI should not exceed as follows:

Salaried Persons

  • Net Monthly income less than Rs.25,000: 40%
  • Net monthly income Rs.25,000 and above but less than Rs.50,000: 60%
  • Net monthly income Rs.50,000 and above but less than Rs.1.00 lakhs: 65%
  • Net monthly income Rs.1.00 lakhs and above but less than Rs.2.00 lakhs: 70%
  • Net monthly income Rs.2.00 lakhs and above: 75%


  • Average Net Annual Income (for last 2 years) up to Rs.6 lakhs: 70%
  • Average Net Annual Income (for last 2 years) more than Rs.6 lakhs: 80%

Valuation Norms for the property to be mortgaged

Valuation norms will be as under:

  • In case of properties acquired within last 3 years, amount of registered sale deed or the realizable value whichever is lower should be taken as value of property.
  • In other cases, i.e. execution of the sale deed is prior to 3 years, present realizable value as per the fresh valuation report from the bank’s approved valuer to be obtained.
  • In case of takeover, fresh valuation report to be obtained from our bank’s approved valuer and margin and LTV Ratio is maintained as per the scheme.

Frequently Asked Questions (FAQs)

  • 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

  • How To Reduce Home Loan Emi?

    You can switch your Home Loan to Bank of Baroda to get benefit of lower interest rate if interest rate with existing lender is higher thereby EMI can be reduced. Rate of interest in Home Loan depends on the CIBIL score. Therefore, please adhere to the financial discipline and improve your CIBIL score. Lower the interest rate, lower will be the EMI.

  • 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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