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Bank of Baroda ₹5 lakh Personal Loan EMI for 5 Years
At the advertised starting rate of 10.9%, the EMI is about ₹10,846 a month, with total interest of about ₹1,50,778.
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) | ₹10,846 | ₹1,50,778 | ₹6,50,778 |
| 11.4% | ₹10,971 | ₹1,58,273 | ₹6,58,273 |
| 11.9% | ₹11,097 | ₹1,65,818 | ₹6,65,818 |
| 12.4% | ₹11,224 | ₹1,73,413 | ₹6,73,413 |
| 12.9% | ₹11,351 | ₹1,81,057 | ₹6,81,057 |
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 | ₹79,552 | ₹50,604 | ₹1,30,156 | ₹4,20,448 |
| Year 2 | ₹88,670 | ₹41,486 | ₹1,30,156 | ₹3,31,778 |
| Year 3 | ₹98,832 | ₹31,323 | ₹1,30,156 | ₹2,32,946 |
| Year 4 | ₹1,10,160 | ₹19,995 | ₹1,30,156 | ₹1,22,786 |
| Year 5 | ₹1,22,786 | ₹7,370 | ₹1,30,156 | ₹0 |
Frequently asked questions
What is the EMI for a ₹5 lakh Bank of Baroda personal loan for 5 years?
At Bank of Baroda's starting rate of 10.9% the EMI is about ₹10,846 a month. If your offered rate is 11.9% it would be about ₹11,097.
How much total interest will I pay?
At 10.9% the total interest over 5 years is about ₹1,50,778, so you repay about ₹6,50,778 in all.