Calculate your Bank of Baroda home loan EMI.
Use this calculator with Bank of Baroda's typical rate range. See your EMI, the principal-versus-interest split, and the tax-adjusted effective cost. Independent of Bank of Baroda — we don't sell loans or pass your details to anyone.
What this loan really looks like
The lifetime split is only part of the story. These show how the principal/interest mix shifts year by year, how slowly the balance falls, and the month your payment finally tips toward principal.
About Bank of Baroda home loans
Bank of Baroda offers Baroda Home Loan with both floating and fixed-rate options. The Baroda Advantage Home Loan provides additional features for premium customers. Rates are EBLR-linked.
Bank of Baroda home loan at a glance
| Typical rate range | 8.40% to 10.65% |
|---|---|
| Maximum tenure | 30 years |
| Maximum loan amount | up to ₹10 crore; LTV up to 90% for loans up to ₹30 lakh |
| Eligibility (age) | salaried minimum age 21, maximum age at loan maturity 70 for salaried, 75 for self-employed |
| Processing fee | 0.50% of loan amount (minimum ₹8,500, maximum ₹25,000) + GST |
Bank of Baroda home loan highlights
- Baroda Home Loan Advantage — overdraft facility to reduce interest cost
- Free property insurance for the first year on select schemes
- Special rates for women borrowers
- Top-up loan up to ₹50 lakh for existing customers
- Home loan balance transfer with takeover at competitive rates
Disclaimer: indiaemi.com is not affiliated with Bank of Baroda. The rate ranges, eligibility criteria, and other figures shown here are based on publicly available information and may change without notice. Always confirm current rates and terms directly with Bank of Baroda before making any loan decision.
Tax benefits apply equally — regardless of which bank
The Income Tax Act sections (24(b) and 80C) apply to all home loans from approved Indian banks and housing finance companies, under the old regime. (Section 80EEA is closed — it covered only loans sanctioned between 1 April 2019 and 31 March 2022.) — Bank of Baroda loans are no exception. The calculator above incorporates these benefits automatically. For more on home loan tax benefits, see our how EMI works and glossary pages.
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Sources & standards
Every regulated figure on this page, what it is, and the primary source it comes from. Two Acts are live: the Income-tax Act, 1961 governs FY 2025-26 — the return being filed now — while the Income-tax Act, 2025 governs FY 2026-27 onward. The amounts are unchanged; only the section numbers moved.
| What | Current value | Source | Verified |
|---|---|---|---|
| Interest deduction cap — self-occupied property | ₹2,00,000/yr | Income-tax Act, 1961 — s.24(b) (FY 2025-26 & earlier) Income-tax Act, 2025 — s.22(1)(b) & (c); cap in s.22(2) (in force 1 Apr 2026) | 2026-07 |
| Principal repayment deduction cap (shared with EPF, PPF, ELSS, insurance) | ₹1,50,000/yr | Income-tax Act, 1961 — s.80C (FY 2025-26 & earlier) Income-tax Act, 2025 — s.123, read with Schedule XV (in force 1 Apr 2026) | 2026-07 |
| Additional interest deduction — first-time buyers (CLOSED) closed | ₹1,50,000/yr window 2019-04-01 → 2022-03-31 | Income-tax Act, 1961 — s.80EEA (FY 2025-26 & earlier) Income-tax Act, 2025 — s.131 (in force 1 Apr 2026) | 2026-07 |
| Optional regime — retains deductions at higher slab rates | std deduction ₹50,000 4 slabs, top rate 30% | 2026-07 | |
| Loan-to-Value ceilings — individual housing loans | 90% — up to ₹30,00,000 80% — up to ₹75,00,000 75% — above ₹75,00,000 | RBI (Commercial Banks — Credit Facilities) Directions, 2025, para 111 | 2026-07 |
| RBI policy repo rate and typical home-loan EBLR spread | repo 5.25% EBLR spread 2.25–3.5% | RBI Monetary Policy Committee | 2026-07 |
Not tax or legal advice. See every standard this site uses →