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Bank of Baroda ₹5 lakh Personal Loan EMI for 3 Years
At the advertised starting rate of 10.9%, the EMI is about ₹16,346 a month, with total interest of about ₹88,445.
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) | ₹16,346 | ₹88,445 | ₹5,88,445 |
| 11.4% | ₹16,464 | ₹92,712 | ₹5,92,712 |
| 11.9% | ₹16,583 | ₹96,998 | ₹5,96,998 |
| 12.4% | ₹16,703 | ₹1,01,302 | ₹6,01,302 |
| 12.9% | ₹16,823 | ₹1,05,625 | ₹6,05,625 |
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 | ₹1,48,944 | ₹47,205 | ₹1,96,148 | ₹3,51,056 |
| Year 2 | ₹1,66,014 | ₹30,134 | ₹1,96,148 | ₹1,85,042 |
| Year 3 | ₹1,85,042 | ₹11,106 | ₹1,96,148 | ₹0 |
Frequently asked questions
What is the EMI for a ₹5 lakh Bank of Baroda personal loan for 3 years?
At Bank of Baroda's starting rate of 10.9% the EMI is about ₹16,346 a month. If your offered rate is 11.9% it would be about ₹16,583.
How much total interest will I pay?
At 10.9% the total interest over 3 years is about ₹88,445, so you repay about ₹5,88,445 in all.