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Bank announces Financial Results for Quarter ended, 31th December 2025.
Mobile Number in account will be Mandatory for the issuance of Personalized Cheque Book
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!
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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.
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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.
Different people have different needs.
Loan Amount:
Rate of Interest (%):
Loan Terms (monthly):
Equated Monthly Installment (EMI) will be
Are you a senior citizen of 60 years and above? Opt for a reverse mortgage loan. Bank of Baroda reverse mortgage loan helps supplement the cash flow stream of senior citizens in order to address their financial needs. Check out our reverse mortgage loan interest rates and reverse mortgage loan eligibility NOW!
Residential property should be used as permanent primary residence (fully self-occupied property).
The commercial property will not be taken as a security under the product.
Simple/Equitable mortgage of the residential property.
15 years. The tenure may further be extended till survival of the borrowers subject to advance value of the property.
Insurance of the residential property mortgaged to the bank shall be regularly taken. The premium charges are to be borne.
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The maximum loan amount inclusive of interest tenure of the loan shall be restricted to Rs. 1 crore subject to value of the property.
The bank shall have the option to revise periodic annuity amount, if lump-sum payment is taken or at the interval of every 5 years based on valuation of the property.
The loan shall become due and payable when the last surviving borrower dies or would like to sell the home/permanently moves out of the home for aged care to an institution or relatives. The loan will, as such, become due for recovery and payable.
Frequently Asked Questions (FAQs)
Mortgages on self-occupied real estate (a house or an apartment) are used to supplement senior citizens' cash flow streams and meet their financial needs. To put it another way, the borrower receives a monthly income (annuity) from the bank rather than paying EMIs on a monthly basis.
A maximum of Rs. 100 lakhs.
Under a reverse mortgage, the borrower receives a monthly annuity from the bank in exchange for a mortgage on their primary residence.
Not necessarily. After the loan period is over, the borrower won't lose their property if they pay their debts in full.
Property is owned by borrowers. Nevertheless, he is required to mortgage the property with the bank and is unable to sell the property without paying the bank's debts.
Only when the final surviving borrower passes away or wishes to sell the house or transfer ownership of the aged care facility to a facility or family member will the loan become due and payable.
The loan won't become due and payable until the last surviving borrower passes away, sells the house, or wants to permanently move into an institution or a relative's home for elderly care.
Yes, they can.
Legal heirs of the deceased borrower will be given priority by the bank to pay off the loan without having to sell the property. The Bank will settle the loan by selling the property, though, if the legal heirs are unable to pay the obligations (o/s amount plus interest).
No. This is not allowed.
15 years, but subject to the advance value of the property, the term may be extended further until the borrowers' survival.
Interest must be paid by the borrower or the borrower's legal heirs in order to repay the loan account.
Credit score is not a criteria to apply for a reverse mortgage loan.
No.
Borrowers of age 60 or above can apply for a reverse mortgage loan.
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