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Bank of Baroda ₹10 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 10.9%, the EMI is about ₹32,691 a month, with total interest of about ₹1,76,890.
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) | ₹32,691 | ₹1,76,890 | ₹11,76,890 |
| 11.4% | ₹32,928 | ₹1,85,425 | ₹11,85,425 |
| 11.9% | ₹33,167 | ₹1,93,996 | ₹11,93,996 |
| 12.4% | ₹33,406 | ₹2,02,605 | ₹12,02,605 |
| 12.9% | ₹33,646 | ₹2,11,249 | ₹12,11,249 |
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 | ₹2,97,887 | ₹94,410 | ₹3,92,297 | ₹7,02,113 |
| Year 2 | ₹3,32,029 | ₹60,268 | ₹3,92,297 | ₹3,70,084 |
| Year 3 | ₹3,70,084 | ₹22,213 | ₹3,92,297 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Bank of Baroda personal loan for 3 years?
At Bank of Baroda's starting rate of 10.9% the EMI is about ₹32,691 a month. If your offered rate is 11.9% it would be about ₹33,167.
How much total interest will I pay?
At 10.9% the total interest over 3 years is about ₹1,76,890, so you repay about ₹11,76,890 in all.