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Bank of Baroda ₹2 lakh Personal Loan EMI for 2 Years
At the advertised starting rate of 10.9%, the EMI is about ₹9,312 a month, with total interest of about ₹23,495.
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) | ₹9,312 | ₹23,495 | ₹2,23,495 |
| 11.4% | ₹9,359 | ₹24,610 | ₹2,24,610 |
| 11.9% | ₹9,405 | ₹25,729 | ₹2,25,729 |
| 12.4% | ₹9,452 | ₹26,850 | ₹2,26,850 |
| 12.9% | ₹9,499 | ₹27,975 | ₹2,27,975 |
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 | ₹94,580 | ₹17,167 | ₹1,11,747 | ₹1,05,420 |
| Year 2 | ₹1,05,420 | ₹6,327 | ₹1,11,747 | ₹0 |
Frequently asked questions
What is the EMI for a ₹2 lakh Bank of Baroda personal loan for 2 years?
At Bank of Baroda's starting rate of 10.9% the EMI is about ₹9,312 a month. If your offered rate is 11.9% it would be about ₹9,405.
How much total interest will I pay?
At 10.9% the total interest over 2 years is about ₹23,495, so you repay about ₹2,23,495 in all.