Bank of Baroda Home Loan
Bank of Baroda Home Loan — lowest headline rate among major banks and full PMAY subsidy eligibility.
At 8.4%, Bank of Baroda has one of the lowest starting rates of the 20 lenders we track for home loans.
Documents required
- PAN Card
- Aadhaar Card
- Income proof
- Property documents
- Agreement to sell
- Builder NOC
As published by Bank of Baroda. Your branch may ask for more.
Best for: First-time buyers comparing public-sector home lenders.
Eligibility
The upper age limit is set so the loan closes by retirement.
Loan terms
- Lowest starting rate among major banks
- Government bank reliability
- PMAY subsidy eligible
Fees & charges
Tax: principal up to ₹1.5L under 80C and interest up to ₹2L under 24(b) per year for a self-occupied home (subject to conditions). Confirm with a tax adviser.
FAQ
Most home loans are floating (EBLR/repo-linked). Floating-rate loans to individuals carry no foreclosure charge, so you can prepay freely — usually the better choice unless you specifically need rate certainty.
Every row is date-stamped with the day we last checked it, and links to the lender’s published material so you can confirm it yourself. A row we confirmed against the source reads “Verified”; one we could only sight reads “as of”, and is not presented as confirmed. Anything we have not re-checked in 60 days is marked “rate under review” rather than left to look current. We do not claim a fixed re-checking cycle — the date on each row is the honest answer.
No. Viewing rates is not a credit enquiry and has no score impact. A hard enquiry happens only when you formally apply to a lender.
More from Bank of Baroda
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