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Bank of Baroda ₹2 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 10.9%, the EMI is about ₹4,339 a month, with total interest of about ₹60,311.
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) | ₹4,339 | ₹60,311 | ₹2,60,311 |
| 11.4% | ₹4,388 | ₹63,309 | ₹2,63,309 |
| 11.9% | ₹4,439 | ₹66,327 | ₹2,66,327 |
| 12.4% | ₹4,489 | ₹69,365 | ₹2,69,365 |
| 12.9% | ₹4,540 | ₹72,423 | ₹2,72,423 |
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 | ₹31,821 | ₹20,241 | ₹52,062 | ₹1,68,179 |
| Year 2 | ₹35,468 | ₹16,594 | ₹52,062 | ₹1,32,711 |
| Year 3 | ₹39,533 | ₹12,529 | ₹52,062 | ₹93,178 |
| Year 4 | ₹44,064 | ₹7,998 | ₹52,062 | ₹49,114 |
| Year 5 | ₹49,114 | ₹2,948 | ₹52,062 | ₹0 |
Frequently asked questions
What is the EMI for a ₹2 lakh Bank of Baroda personal loan for 5 years?
At Bank of Baroda's starting rate of 10.9% the EMI is about ₹4,339 a month. If your offered rate is 11.9% it would be about ₹4,439.
How much total interest will I pay?
At 10.9% the total interest over 5 years is about ₹60,311, so you repay about ₹2,60,311 in all.