Mobile Number in account will be Mandatory for the issuance of Personalized Cheque Book
Bank announces Financial Results for Quarter ended, 30th September 2025.
As an enhanced security measure, our official Corporate Website has migrated to a new domain : https://bankofbaroda.bank.in
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.
Locate Us, Anytime, Anywhere
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.
Baroda Digital Personal Loan:
Loan Amount:
Rate of Interest (%):
Loan Terms (monthly):
Equated Monthly Installment (EMI) will be
Note : The Bank may use the services of agents in sales/marketing etc. of its various products.
Bank of Baroda's Baroda Digital Personal Loan offers fast, hassle-free financing with competitive interest rates and flexible terms, catering to various financial needs, whether it's a vacation, home improvement, or unexpected expenses. Empower your financial journey, turn your dreams into reality with the Baroda Digital Personal Loan, secure the funds you need, and make your aspirations come true. Apply today and take a significant step towards fulfilling all your wishes with the Baroda Digital Personal Loan. Fulfil all your wishes with Baroda Digital Personal Loan
Fixed ROI:
Floating ROI:
As per state stamp act
Loan Limit
Minimum: Rs. 50,000/-
Maximum:
Rs. 10 Lakhs (Existing To Bank customers-ETB)
Rs. 5 Lakhs (New To Bank customers-NTB)
Rs. 5 lakhs (New to Credit customers-NTC)
Repayment Period
Digital Personal Loan: 12-60 months
Age
Minimum - 21 Years
Maximum age at the end of tenor:
For salaried -58 years
For self-employed - 65 years
Pre-Payment/ Pre Closure Charges
FOIR
For Salaried
Net Monthly Income**
FOIR - Fixed Obligation to Income Ratio (Including proposed EMI)
< = 50,000
40%
> 50,000 up to 75,000
45%
>75,000 up to 1,25,000
55%
>1,25,000 up to 2,00,000
60%
Above 2,00,000
65%
*Net Monthly Income: Average of last -6- Months' Net Monthly salary credited in the Bank Account.
** Deductions: Monthly EMI obligations (Declared by applicant or fetched from Bureau reports whichever is higher).
For Self Employed
Gross Monthly Income *
FOIR - Fixed Obligation to Income Ratio
35%
50%
*Gross Monthly Income: Gross Monthly Income will be worked out as - Average of Last -2- years' Gross Annual Income as per ITR divided by 12 months.
** Deductions: Monthly EMI obligations (Declared by applicant or fetched from Bureau reports whichever is higher), Proportionate monthly income tax liability (Last year's income tax paid /12).
Frequently Asked Questions (FAQs)
Personal Loan is very suitable and handy product for the customers for fulfilling their short term financial needs at their ease. Digital Personal Loan is the solution where customers need not to visit the bank branch and can complete end-to-end loan process digitally at their comfort.
Availing Digital Personal Loan is very easy. The customer has to apply using any of the bank’s digital channels and provide the required information digitally. The eligible customers are granted digital sanction. The loan amount is disbursed post documentation and certain other formalities.
Digital loan application is paperless process through which the customer can avail the loan in a hassle free manner within quick time frame.
No, NRIs are not eligible for digital personal loan.
Bank is providing 24*7 dedicated customer care support @ 1800-5700 for any help required by the customer. The customer can also write us at [email protected] for any technical issues.
Tenure for digital personal loan is 12 months to 60 months, and for pre-approved personal loan is 18 months to 36 months.
Bank of Baroda is leading lender for digital personal loan. With the help of cutting edge technology bank provides seamless experience to the customers.
EMI is the fixed amount to be repaid by the customers every month for the entire repayment tenure of the loan. Each EMI constitutes a portion of Principal amount as well as the applicable interest over the period of the loan.
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