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Bank of Baroda ₹10 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 10.9%, the EMI is about ₹21,693 a month, with total interest of about ₹3,01,555.
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) | ₹21,693 | ₹3,01,555 | ₹13,01,555 |
| 11.4% | ₹21,942 | ₹3,16,546 | ₹13,16,546 |
| 11.9% | ₹22,194 | ₹3,31,637 | ₹13,31,637 |
| 12.4% | ₹22,447 | ₹3,46,827 | ₹13,46,827 |
| 12.9% | ₹22,702 | ₹3,62,115 | ₹13,62,115 |
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 | ₹1,59,104 | ₹1,01,207 | ₹2,60,311 | ₹8,40,896 |
| Year 2 | ₹1,77,339 | ₹82,972 | ₹2,60,311 | ₹6,63,557 |
| Year 3 | ₹1,97,665 | ₹62,646 | ₹2,60,311 | ₹4,65,892 |
| Year 4 | ₹2,20,320 | ₹39,991 | ₹2,60,311 | ₹2,45,572 |
| Year 5 | ₹2,45,572 | ₹14,739 | ₹2,60,311 | ₹0 |
Frequently asked questions
What is the EMI for a ₹10 lakh Bank of Baroda personal loan for 5 years?
At Bank of Baroda's starting rate of 10.9% the EMI is about ₹21,693 a month. If your offered rate is 11.9% it would be about ₹22,194.
How much total interest will I pay?
At 10.9% the total interest over 5 years is about ₹3,01,555, so you repay about ₹13,01,555 in all.