Bank of Baroda
India's International Bank
Headquarters: Vadodara, Gujarat
Official Bank WebsiteOfficial Published Interest Rates (2026)
Direct benchmark & card rates verified from Bank of Baroda's official circulars
| Credit / Deposit Product | Starting Rate | Effective Range | Lending Benchmark | Calculator |
|---|---|---|---|---|
| Baroda Home Loan | 7.40% p.a. | 7.40% – 9.30% | BRLLR (Repo linked) | Calculate EMI→ |
| Baroda Car Loan | 8.70% p.a. | 8.70% – 10.50% | BRLLR | Calculate EMI→ |
| Baroda Personal Loan | 10.90% p.a. | 10.90% – 15.50% | Card Rate | Calculate EMI→ |
| Baroda Gold Loan | 8.85% p.a. | 8.85% – 9.75% | Card Rate | Calculate EMI→ |
| Baroda Term Deposit (3 Years) | 6.85% p.a. | 6.85% – 7.35% | Card Rate | Calculate EMI→ |
| Baroda Recurring Deposit (3 Years) | 6.85% p.a. | 6.85% – 7.35% | Card Rate | Calculate EMI→ |
Bank of Baroda Official Rate Calculators
Simulate monthly EMIs and deposit maturity values pre-filled with verified Bank of Baroda rates
Bank of Baroda Home Loan EMI Calculator
Estimate your monthly EMI on a Bank of Baroda home loan with official interest rates starting from 7.40% p.a.
Bank of Baroda Car Loan EMI Calculator
Calculate monthly EMIs for financing a new vehicle with Bank of Baroda auto financing starting at 8.70% p.a.
Bank of Baroda Personal Loan EMI Calculator
Estimate monthly EMIs on Bank of Baroda personal loans for salaried borrowers starting at 10.90% p.a.
Bank of Baroda Gold Loan Calculator
Calculate estimated loan EMI and interest against hallmarked gold jewellery with Bank of Baroda.
Bank of Baroda FD Calculator
Calculate your fixed deposit interest returns with Bank of Baroda using official published interest rates.
Bank of Baroda RD Calculator
Calculate your monthly deposit returns with Bank of Baroda Recurring Deposits.
Rate Sourcing & Regulatory Disclosures
Direct official circular citations and borrower qualification rules for Bank of Baroda
7.40% p.a.
7.40% – 9.30% p.a.
floating RateBRLLR (Repo linked)
Applicable Conditions & Eligibility Factors:
- Reducing monthly balance tied to BRLLR
- CIBIL 750+ secures lowest spread
Source: BOB Baroda Home Loan Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.70% p.a.
8.70% – 10.50% p.a.
floating RateBRLLR
Applicable Conditions & Eligibility Factors:
- Financing up to 90% of on-road price
- BRLLR linked floating rates
Source: BOB Auto Loan Scheme
Rates subject to borrower risk-grade & RBI regulatory changes.10.90% p.a.
10.90% – 15.50% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Available for salaried borrowers with corporate salary relationship
- Reducing balance
Source: BOB Personal Loan Interest Rates
Rates subject to borrower risk-grade & RBI regulatory changes.8.85% p.a.
8.85% – 9.75% p.a.
floating RateRBI Repo Linked / Card Rate
Applicable Conditions & Eligibility Factors:
- Minimal paperwork
- 75% LTV regulatory standard
Source: BOB Gold Loan Scheme Notice
Rates subject to borrower risk-grade & RBI regulatory changes.6.85% p.a.
6.85% – 7.35% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.35% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding applied to domestic retail deposits
- Senior citizen 50 bps extra
Source: BOB Term Deposit Rates
Rates subject to borrower risk-grade & RBI regulatory changes.6.85% p.a.
6.85% – 7.35% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.35% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding on monthly instalments
- Auto-debit from BOB account
Source: BOB RD Scheme Guidelines
Rates subject to borrower risk-grade & RBI regulatory changes.About Bank of Baroda
Bank of Baroda (BOB) is a leading Indian state-owned bank with extensive domestic presence and global operations across 17 countries.
The bank offers Baroda Home Loans linked to its Baroda Repo Linked Lending Rate (BRLLR), featuring competitive processing charges and transparent pricing.
Frequently Asked Questions: Bank of Baroda
- Where to check Bank of Baroda official rates?
- Visit bankofbaroda.in under 'Interest Rates' for the latest tariff notices.