Current Bank of Baroda Home Loan Interest Rate 2026
Bank of Baroda home loan rates start at 8.40% p.a. — among the most competitive from a public sector bank. Compare BoB against other lenders below.
| Bank | Interest Rate (p.a.) | Max Tenure |
|---|---|---|
| HDFC Bank | 8.15% onwards | 30 years |
| SBI | 8.25% onwards | 30 years |
| Bank of Baroda ★ | 8.40% onwards | 30 years |
| ICICI Bank | 8.50% onwards | 30 years |
| Axis Bank | 8.35% onwards | 30 years |
Updated May 2026. Rates are indicative — contact your lender for personalised offers.
Bank of Baroda Home Loan Features and Eligibility
Bank of Baroda is one of India's largest public sector banks and offers a comprehensive range of home loan products. The flagship "Baroda Home Loan" covers purchase, construction, and renovation, while "Baroda Home Loan Advantage" lets you link a savings account to your loan to offset interest — a unique overdraft-style product. BoB offers special rates for women (0.05% concession), senior citizens, and defence personnel. No prepayment charges apply on floating-rate loans. Eligible applicants include salaried employees (age 21–60 at maturity), self-employed professionals, and NRIs. A CIBIL score of 701+ is typically required for the best rates.
How to Apply for a Bank of Baroda Home Loan
Apply online through the Bank of Baroda website or the BoB World mobile app, or visit your nearest BoB branch. The online process allows document upload and application tracking in real time. For salaried applicants: Aadhaar, PAN, last 3 salary slips, Form 16, and 6 months' bank statements. For self-employed: 2 years' ITR, audited financials, and business continuity proof. Property documents are required at all stages. BoB processes complete applications in 7–12 working days.