Bank of Baroda EMI calculator
We've filled in a mid-band Bank of Baroda home loan rate near 8%; swap in your quoted rate. BoB's floating home loans start at 7.45%.
What you'll learn:
- EMI for Bank of Baroda home loans, car loans, and education loans
- Bank of Baroda's usual rate bands by loan type
- What to check on your sanction letter
Describe your loanDescribe
- Principal
- Interest
Amortization scheduleStarting from
Yearly principal vs interest
- Principal
- Interest
| # | Date | EMI | Principal | Interest | Balance |
|---|
Usual Bank of Baroda EMI rates (indicative)
Bank of Baroda prices floating home loans off its repo-linked lending rate (BRLLR 8.15%, raised from 7.90% on 8 October 2026 after RBI lifted the repo rate to 5.50%): BRLLR − 0.70% to + 1.05%, an effective 7.45% to 9.20% for salaried and non-salaried borrowers. That keeps it in line with other public-sector cards that have passed the hike through. Always confirm the live table on Bank of Baroda's site before you rely on it.
Floating new-car loans run 7.85% to 11.55% (fixed 8.50% to 11.20%). Personal loans for government employees are 10.40% to 10.90%, with other profiles higher. Education loans range from 7.10% under Vidyalaxmi for top institutes to 10.15% for Baroda Gyan loans up to ₹7.5 lakh.
Model EMI here, then confirm processing fees, foreclosure rules, and reset clauses on the sanction letter before you treat advertised EMI as final.
Once credit, LTV, and loan amount are applied, private-bank standard slabs often land in the mid-to-high 8%s while public-sector cards stay in the 7%s for strong scores. Car loans commonly price above housing. Unsecured personal loans sit higher still and widen sharply with credit score and employer category. Education loans depend heavily on the institute and on collateral.
Under RBI external-benchmark rules, many floating retail loans reset when the policy repo moves. Your customer rate is typically benchmark + spread, which is why two applicants at the same bank can see different EMIs on the same loan amount.
Public rate cards are not a sanction. Replace the calculator default with the Key Facts Statement or sanction letter rate, then stress +0.5% to +1% before you lock tenure.
Compare identical principal and months across banks, include documented fees in total outflow, and confirm prepayment and foreclosure language on the letter before you pay processing charges.
Usual Bank of Baroda EMI rate bands
Indicative retail ranges for planning. Your sanction rate depends on credit profile, loan size, tenure, and product rules. These are not live Bank of Baroda quotes.
| Product | Usual rate band | Notes | Bank of Baroda's page |
|---|---|---|---|
| Home Loan | 7.45% to 9.2% | BRLLR 8.15% (from 8 Oct 2026) − 0.70% to + 1.05%, salaried and non-salaried. Fee: 0.5% up to ₹50 lakh (max ₹15,000), 0.25% above (max ₹25,000); min ₹8,500; up to 30 years; prepayment: nil. | Bank of Baroda site (opens in a new tab) |
| Car Loan | 7.85% to 11.55% | New car, floating; fixed-rate new car 8.50% to 11.20% | Bank of Baroda site (opens in a new tab) |
| Personal Loan | 10.4% to 15.75% | Government employees 10.40% to 10.90%; other profiles higher. Fee: 1% to 2%, min ₹1,000, max ₹10,000; up to 72 months (84 for government employees); prepayment: not published. | Bank of Baroda site (opens in a new tab) |
| Education Loan | 7.1% to 10.15% | Vidyalaxmi (top IITs/IIMs) 7.10%; Baroda Gyan up to ₹7.5 lakh 10.15% | Bank of Baroda site (opens in a new tab) |
Each tab in the calculator above opens at a mid-band rate for that Bank of Baroda product. Replace it with the rate on your offer letter.For a personal loan, use the personal loan calculator with a rate from the band above. Compare two written offers on the compare loan offers tool, or see every lender's rates for home loans, car loans, personal loans and education loans.
Bank of Baroda compared with other lenders
Rates, EMI, fees and complaints side by side, with both lenders' rates filled into the compare calculator.
- SBI vs Bank of Baroda home loan: typical 7.75% against 8%
Bank of Baroda complaints record
What Bank of Baroda reported in the complaints disclosure RBI requires in every annual report. These are the lenders' own audited figures, not reviews. RBI's ombudsman report gives totals by bank group only, so this is the one public count per lender.
| FY 2025-26 | Bank of Baroda |
|---|---|
| Complaints received | 5,28,317 (-1%) |
| Escalated to the RBI Ombudsman | 9,297 (+28%) |
| About loans and advances | 8,819 (-17%) |
Change is against the year before. Bigger lenders log more complaints because they have more customers, and each lender counts slightly differently. Read the trend and the ombudsman share rather than ranking banks on the raw count. Sources: Bank of Baroda Annual Report 2025-26, pp. 285–287 (note A-11).
What borrowers report
Public signals only, each linked to where it comes from. App ratings rate the app, which most people use for payments and savings, so they say little about the loan unless the app is the loan's own.
| Lender | App | Google Play rating |
|---|---|---|
| Bank of Baroda | bob World | 4.3★ from 12.8 lakh ratings |
Ratings read on 11 Oct 2026.
A theme is listed only when we found it in more than one independent place: consumer-court rulings, news reports or complaint forums. Forums draw people with a grievance, so read these as risks to check on your sanction letter, not as a verdict on the lender. For Bank of Baroda we found no loan theme that met that bar.
Key takeaways
- BoB home loans start at 7.45% after the October 2026 repo reset, close to other public-sector cards, but your profile still sets the final spread.
- Public-sector fee sheets can differ from private banks; fold fees into total outflow when you compare.
- Stress floating EMI before you stretch tenure to chase a lower monthly figure.
- Car and personal loan products need their own rate inputs on this calculator.
Worked example: ₹ 50,00,000 at 8% for 20 years
EMI ≈ ₹ 41,822. Over 240 months you would pay about ₹ 1,00,37,282 in total, of which roughly ₹ 50,37,282 is interest if you make no prepayments and the rate stays constant. Raise the rate toward the top of the usual Bank of Baroda home band (7.45% to 9.2%), or add a lump sum under Prepayments, to see how much the total interest changes. Then replace the rate with the figure on your sanction letter.
Formula: Same reducing-balance EMI formula banks use: E = P × r × (1+r)^n ÷ ((1+r)^n - 1), with r as monthly rate and n as months. Property taxes and insurance are not included in EMI unless you add them separately.
Official sources
The Bank of Baroda pages we used for the rate bands and checklist above. Open them for the live rate table and its effective date; this site does not update bank rates in real time.
- Bank of Baroda retail loan interest ratesBRLLR-linked rates for home, car, personal, and education loans.
- RBI notifications indexKey Facts Statement and retail-lending disclosure rules for rate, fees, and EMI.
- RBI (Pre-payment Charges on Loans) Directions, 2025When regulated lenders may not levy pre-payment charges on floating-rate individual loans for non-business purposes.
Figures are estimates for education and planning and may differ from your lender’s schedule due to fees, floating rates, or product rules.
Last updated on Oct 10, 2026.