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Bank of Baroda
About

It all started with a visionary Maharaja's uncanny foresight into the future of trade and enterprising in his country. On 20th July 1908, under the Companies Act of 1897, and with a paid up capital of Rs 10 Lacs started the legend that has now translated into a strong, trustworthy financial body, THE BANK OF BARODA.

It has been a wisely orchestrated growth, involving corporate wisdom, social pride and the vision of helping others grow, and growing itself in turn.

The founder, Maharaja Sayajirao Gaekwad, with his insight into the future, saw "a bank of this nature will prove a beneficial agency for lending, transmission, and deposit of money and will be a powerful factor in the development of art, industries and commerce of the State and adjoining territories."

 

Loan Amount,Interest Rates @ EMI
Base Rate 10.25%
All Home Loans @ 10.25% - EMI @ 981.64
Tenure
Min 1 Year - Max 25 Years
Features

Home Improvement loan - 12.75%

Mortgage Loans - 15.50%

Income Criteria:

  Monthly Income

  Modified Criteria

  Up to Rs. 20,000/-

  36 times of monthly income

  More than Rs.20,000/- & up to Rs. 1 lac

  48 times of monthly income

  More than Rs. 1 lac

  54 times of monthly income

Margin:

  Monthly income

  Purpose

  Margin

  Upto Rs.20000/-

  Purchase of plot

  20%

  

  House/flat already constructed from own resources

  25%

  

  All other cases

  20%

  Above Rs.20,000/-

  Purchase of plot

  20%

  

  House/flat already constructed from own resources

  20%

  

  All other cases

  20%


1. Loans to all types of products and needs with minimum documentation.

2. Free property and personal accidental Insurance.

3. Advance up to 90% of the principal amount of home loan repaid for any requirement.

4. Free Credit Card - "Paras" card (Complimentary for first year) to all new home loan borrowers with loan limit of Rs. 2/- Lakhs and above.

5. No pre-payment or part payment penalties if paid from own sources.

6. Flexi rate option for comfort EMI's.

 
Products
Knowing about the product will always make the home loan processing smooth to every customer. Before going for a home loan processing see which product suits you best.
See Products..
Home Loan Documents
To start with the home loan processing a customer need to submit the documents and this will vary depending on the product, bank and income source.
Download Documents....
Eligibility Calculators
One of the most important stages in home loan processing is the calculation of the applicants’ eligibility for the home loan. By taking one gross and net incomes into consideration.
Calculate Eligibility....
Application Tracking
Normally customers want to know their file status during the home loan process. But people face different types of situations where they wrongly...
Track Application....
Home Loan Agreement
Normally customers want It is the Agreement which a customer need to sign before going for disbursement of the loan which he requested to the bank to fund...
Read Facility Agreement....
Draft Agreements
To complete the legal and technical process over a property which the customer is buying by taking the home loan need to have a sale...
Download Draft Agreemets....
All loans at the sole discretion of the Bank / Financial Institution.
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