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Home Loan

Additional Information

If you are dreaming of buying your own residence, opt for a home loan from Bank of Baroda. Our home loans are packed with several exclusive features and benefits for aspiring home owners.

Our housing loan can be used for a variety of purposes. For instance, you can buy a plot, purchase a flat, build your own home and even extend your existing residence with a home loan.

Both resident and non-resident Indians are eligible for our home loans.


Our housing loan comes with a range of benefits such as:

  • Low interest rates and processing charges: We offer among the best home loan interest rates, making it easier for you to own the home of your dreams. In addition, the processing charges on our home loans are minimal, and there no pre-closure charges.
  • Higher loan amount: You can improve your eligibility when you add a close family member as co-applicant to your home loan. This will enable you to receive a higher home loan amount.
  • Free credit card and insurance: With our home loan, you can enjoy a free credit card and concession of 0.25% for car loans. Additionally, we offer free accident insurance with every home loan.

    You can also opt for group credit life insurance cover when you apply for a home loan. This cover protects the family against the death of the borrower, and the family is not required to repay the home loan to the extent of the claim amount. You can pay the premium for the cover along with the EMIs of your home loan.
  • Longer tenures: With a tenure of up to 30 years on home loans, you don’t need to worry about high equated monthly installments (or EMIs). Instead, easily repay your home loan in EMI amounts best suited to your financial needs.
  • Top up loans: One of the key benefits of our home loans is that you can apply for a top-up loan during your loan tenure, up to a maximum of five times.

Learn More

  • Baroda Home Loan
  • Baroda Home Loan Advantage
  • Baroda Pre Approved Home Loan
  • Home Improvement Loan
  • Interest Subsidy Scheme For Housing The Urban Poor (ISHUP)
  • Baroda Home Suvidha Personal Loan
  • Credit Risk Guarantee Fund Scheme for Low Income Housing (CRGFS)
  • Baroda Top Up Loan (Resident/NRIs/PIOs)
  • Pradhan Mantri Awas Yojana (PMAY)
  • Baroda Ashray (Reverse Mortgage Loan)
  • Baroda Home Loan Takeover Scheme

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