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Bank of Baroda ₹10 lakh Personal Loan EMI for 2 Years
At the advertised starting rate of 10.9%, the EMI is about ₹46,561 a month, with total interest of about ₹1,17,474.
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.
Prepayment options (optional): pay extra to finish sooner
EMI at higher rates
| Rate | EMI | Total interest | Total payment |
|---|---|---|---|
| 10.9% (starting) | ₹46,561 | ₹1,17,474 | ₹11,17,474 |
| 11.4% | ₹46,794 | ₹1,23,050 | ₹11,23,050 |
| 11.9% | ₹47,027 | ₹1,28,643 | ₹11,28,643 |
| 12.4% | ₹47,260 | ₹1,34,252 | ₹11,34,252 |
| 12.9% | ₹47,495 | ₹1,39,877 | ₹11,39,877 |
Year-by-year repayment schedule at 10.9%
How much of each year's payments goes to principal and to interest, and what you still owe at the end of the year. Use the calculator above for a month-by-month view and prepayment options.
| Year | Principal | Interest | Paid | Balance left |
|---|---|---|---|---|
| Year 1 | ₹4,72,900 | ₹85,837 | ₹5,58,737 | ₹5,27,100 |
| Year 2 | ₹5,27,100 | ₹31,637 | ₹5,58,737 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Bank of Baroda personal loan for 2 years?
At Bank of Baroda's starting rate of 10.9% the EMI is about ₹46,561 a month. If your offered rate is 11.9% it would be about ₹47,027.
How much total interest will I pay?
At 10.9% the total interest over 2 years is about ₹1,17,474, so you repay about ₹11,17,474 in all.