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Home › Personal Loan › Bank of Baroda

Bank of Baroda Personal Loan Interest Rate November 2026

Updated 2 November 2026Rates from official bank websitesHow we check rates

Bank of Baroda advertises personal loan rates starting from 10.9% per annum. For ₹5 lakh over 3 years that is an EMI of about ₹16,346 a month.

Starting rate10.9%per annum
EMI per month₹16,346₹5 lakh, 3 years
Total interest₹88,445over the full term
Max tenuren/aas stated by the bank

Bank of Baroda personal loan rates and charges

Starting interest rate10.9% per annum
Applies toSalaried borrowers with a salary account at Bank of Baroda: 10.90% to 15.75%, linked to CIBIL score
Effective from8 October 2026
Processing feeNot stated on the page we checked
PrepaymentNot stated on the page we checked
Maximum tenureNot stated on the page we checked

Source: Bank of Baroda official page, checked 2 November 2026.

These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.

Bank of Baroda personal loan EMI calculator

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Compare Bank of Baroda with other banks

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Frequently asked questions

What is the Bank of Baroda personal loan interest rate?

Bank of Baroda's website advertises personal loan rates starting from 10.9% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹5 lakh personal loan from Bank of Baroda?

At the starting rate of 10.9% over 3 years the EMI is about ₹16,346 a month, with total interest of about ₹88,445. A higher personal rate would raise this.

What is the processing fee for a Bank of Baroda personal loan?

The Bank of Baroda page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.

Does Bank of Baroda charge prepayment charges on a personal loan?

The page we checked did not state prepayment terms. Please confirm with the bank.

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