Bank of Baroda Home Loan
Interest rates from 7.2% p.a. (up to 9.3%) · EMI from ₹33,939/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Bank of Baroda home loans
Among the lowest-priced PSU lenders, with repo-linked rates and concessions for women borrowers.
BoB home loan EMI table (7.2% p.a.)
Monthly EMI at BoB's minimum rate. Tap any amount for the full breakdown.
How much interest will a BoB loan cost?
A ₹50 lakh BoB home loan at 7.2% over 20 years means about ₹44.48 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare BoB with other lenders →
BoB home loan by city
Compare BoB with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| BoB (this page) | 7.2% | ₹39,367 |
| BoI | 7.1% | ₹39,066 |
| Central Bank | 7.1% | ₹39,066 |
| IOB | 7.1% | ₹39,066 |
| Canara | 7.15% | ₹39,216 |
| UCO | 7.15% | ₹39,216 |
| Bajaj Housing | 7.25% | ₹39,519 |
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Frequently Asked Questions
What is the Bank of Baroda home loan interest rate in 2026?
Bank of Baroda offers home loans starting at 7.2% p.a., going up to 9.3% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh BoB home loan?
At 7.2% p.a., a ₹50 lakh BoB home loan has an EMI of about ₹39,367 for 20 years — roughly ₹33,939 for 30 years and ₹45,502 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a BoB home loan?
Bank of Baroda's processing fee is Up to 0.50% (varies), with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a BoB home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a BoB home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Bank of Baroda before applying. NestSaver is an information and planning service, not a lender.