What Bank of Baroda asks for on personal, home, vehicle, education loans - age, income, credit score, amounts, rates and documents - read from its own pages and labelled by how sure we are. Last verified 2 November 2026.
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How Bank of Baroda tends to lend (our read): PSU pricing with a short service requirement. Only needs 1 year of continuous service, but caps the unsecured ticket at Rs 20 lakh and generally does not take co-applicants. Lends in: Metro, Tier 2, Tier 3 / other locations.
Bank of Baroda Personal Loan Eligibility
Market-reported
As reported by loan-comparison sites (not confirmed on Bank of Baroda's own website). See the source card.
Age
21 to 60 years (age when the loan ends); self-employed up to 65
Minimum income
₹20,000 net per month; ₹15,000 if your salary account is with this lender
Minimum credit score
701 (CIBIL or equivalent)
Employment
Salaried or self-employed
Work experience (salaried)
1 year total, 1 year with the current employer
Business vintage (self-employed)
1 year in business
Loan amount
₹50,000 to ₹20,00,000
Tenure
1 year to 5 years
Interest rate
10.4% to 17.75% p.a.
EMI-to-income limit (FOIR)
About 55% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Unified processing charge 2% of the loan amount, minimum Rs 1,000 and maximum Rs 10,000 + GST; rate switch 0.10% of outstanding, minimum Rs 1,000 + GST.
Documents Bank of Baroda lists
Application form, 3 passport-size photographs and Form 135 (assets and liabilities)
Self-employed: last year's balance sheet, P&L and computation of income, ITR, Form 26AS / 16A, business registration proof
Research notes
Product page: age 21 to retirement or 60 (salaried) and 65 (self-employed), 1 year of continuous service or stable business, CIBIL 701+, no co-applicants, Rs 1 lakh minimum at metro/urban branches (Rs 50,000 rural/semi-urban) up to Rs 20 lakh. FOIR is 40% to 70% of gross income by income band (55% used for a typical earner); government/defence staff get 70% with a salary account elsewhere and 75% with a BoB salary account, plus 72 or 84 months versus 48 to 60 months for others. Rate is the BRLLR-linked card 10.15% to 17.50% (fixed MCLR-linked 10.95% to 18.00%); card predates the Oct 2026 benchmark change; adjusted +0.25. The income floors, 750 preferred score, 20x multiple and pensioner age are still aggregator-reported, not on the product page.
By ClearToLend's estimate (not a rule Bank of Baroda publishes). See the source card.
Age
21 to 70 years (age when the loan ends)
Minimum income
₹15,000 net per month; self-employed: ₹1,80,000 a year
Minimum credit score
701 (CIBIL or equivalent)
Employment
Salaried or self-employed
Work experience (salaried)
1 year total
Business vintage (self-employed)
2 years in business
Funding (LTV)
Within RBI limits: up to 75-90% of the property value, depending on the loan size
Loan amount
₹2,00,000 to ₹20,00,00,000
Tenure
5 years to 30 years
Interest rate
7.45% to 9.7% p.a.
EMI-to-income limit (FOIR)
About 65% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing charge minimum Rs 8,500 and maximum Rs 15,000 for loans up to Rs 50 lakh (Rs 25,000 above), exclusive of GST - the schedule's percentage basis is unclear; takeover flat Rs 8,500; rate conversion 0.10% of outstanding, minimum Rs 10,000, maximum Rs 1 lakh.
Documents Bank of Baroda lists
Signed application with 3 photographs; PAN (mandatory above Rs 10 lakh); identity and residence proof
Assets and liabilities statement; existing loan statements for 1 year
Salaried: 3 months' salary slips, Form 16 and ITR for 1 year, employer ID, appointment/confirmation letter, 6 months' bank statement
Self-employed: 2 years' balance sheet, P&L, computation and ITR, Form 26AS, business proof
Property: sale agreement, approved plan, NA / commencement / completion / occupancy certificates as applicable, builder payment receipts, title clearance and valuation by bank panel
Research notes
Product page and MITC: age 21 to 70 (the eligibility calculator says 65 for non-salaried, conflict noted - product page used), 1 year of service or 2 years in business, HUFs not eligible, credit score 701+ indicative. Salaried FOIR runs 40% to 75% by net income (65% for Rs 50,000 to Rs 1 lakh, used here) and 70% / 80% for others; ceilings run from Rs 1 crore (semi-urban) to Rs 20 crore (Mumbai). Rate is the BRLLR-linked floating card (salaried 7.20% to 8.95%, non-salaried 7.70% to 9.45%; fixed 8.90% to 9.95%); card predates the Oct 2026 benchmark change; adjusted +0.25. The income floor, Rs 2 lakh minimum and 60-month minimum tenure are our estimates.
About 60% of incomeOur working estimate - lenders rarely publish this
Fees and charges
Processing Rs 1,500 + GST up to Rs 10 lakh, Rs 2,000 + GST above (Rs 500 + GST for government / PSU staff); fixed rate prepayment 2% + GST within 2 years beyond Rs 40,000 cumulative, nil after 2 years; floating rate nil for individuals.
Documents Bank of Baroda lists
Signed application form and three passport-size photographs
Photo identity / age proof and residence proof
Bank statements for the last 6 months
Salaried: salary slips for the last 3 months and Form 16 or ITR
Self-employed: ITRs, balance sheet, P&L and computation of income for the last 2 years plus business proof
Research notes
Bank of Baroda's Baroda Car Loan page publishes borrower age 21 to 70 at maturity, CIBIL 701 (a -1 / no-history score also eligible) and no flat income floor: the income test is a total-deduction ceiling of 60% / 70% / 80% for salaried gross income under Rs 50,000 / Rs 50,000-1.5 lakh / above, and 60% / 80% for others under / over Rs 6 lakh a year, so maxFoir is the conservative 0.6 band. Up to 90% of on-road price over up to 84 months; the FAQ's Rs 2 crore individual cap is used (feature text says Rs 5 crore, for non-individuals per the FAQ) and the Rs 1 lakh minimum and 12-month minimum tenure are our estimates. Rate is the MCLR-linked fixed card 8.50%-11.20% (floating 7.60%-11.30% sits on the pre-rise BRLLR 7.90% card). bob Digital Car Loan (58/65 max age, up to 93%, Rs 50 lakh) and the pre-owned car loan are separate and not modelled.
Processing nil for study in India, Premier Institutions and the Digital Education Loan; study abroad 1% (max Rs 10,000), refundable on first disbursement; property legal/valuation Rs 8,500 where mortgaged; +0.10% risk premium above Rs 7.5 lakh without life cover.
Documents Bank of Baroda lists
KYC of student and co-applicants
Academic records/marksheets
Proof of admission and entrance examination result, if applicable
Statement of cost of study/schedule of expenses
Income proof of salaried co-applicant/guarantor, if applicable
Bank statements for the last six months
Property documents if collateral is offered or required
Research notes
Education Loan page: Indian student with confirmed admission to a recognised institution in India or abroad, co-applicant normally parent/guardian (spouse or parents-in-law if married); up to Rs 125 lakh India and Rs 150 lakh abroad. Collateral-free limits are published only for the Premier Institutions scheme (AA Rs 40 lakh, A Rs 30 lakh, B Rs 15 lakh, C Rs 10 lakh), so no general limit is modelled; the student age cap of 40 applies only to the Digital Education Loan. Rate: page says from 7.1% (central card spreads run BRLLR - 1.05% for PM Vidyalaxmi top institutes to BRLLR + 2.00% for non-premier abroad up to Rs 7.5 lakh); card predates the Oct 2026 benchmark change; adjusted +0.25, and the 10.15% cap is our estimate from that table. No tenure, income floor or score is published; the Rs 50,000 minimum is our estimate (no minimum is published).
ClearToLend is not affiliated with or endorsed by Bank of Baroda. Criteria are taken from public sources as of 2 November 2026 and can change; confirm the current terms with Bank of Baroda before you apply. A match is not a loan offer or approval.
Bank of Baroda Loan FAQs
The minimum net monthly income is ₹20,000, as reported by loan-comparison sites (not confirmed on Bank of Baroda's own website), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 701 or above, as reported by loan-comparison sites (not confirmed on Bank of Baroda's own website). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 60 when the loan ends, as reported by loan-comparison sites (not confirmed on Bank of Baroda's own website).
Rates run from 10.4% to 17.75% a year, as reported by loan-comparison sites (not confirmed on Bank of Baroda's own website). Your own rate depends on your credit score, income and employer.
The minimum net monthly income is ₹15,000, by ClearToLend's estimate (not a rule Bank of Baroda publishes), as checked on 2 November 2026. Lenders can ask for more depending on your city, employer and existing EMIs.
A credit score of 701 or above, by ClearToLend's estimate (not a rule Bank of Baroda publishes). A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 70 when the loan ends, by ClearToLend's estimate (not a rule Bank of Baroda publishes).
Rates run from 7.45% to 9.7% a year, by ClearToLend's estimate (not a rule Bank of Baroda publishes). Your own rate depends on your credit score, income and employer.
A credit score of 701 or above, according to Bank of Baroda's own website. A higher score usually gets a better rate; the lender makes the final call after pulling your report.
You need to be at least 21 and no older than 70 when the loan ends, according to Bank of Baroda's own website.
Rates run from 8.5% to 11.2% a year, according to Bank of Baroda's own website. Your own rate depends on your credit score, income and employer.
No. ClearToLend compares your details with Bank of Baroda's published criteria without pulling your credit report, so nothing is recorded on your CIBIL file. ClearToLend is not affiliated with Bank of Baroda and does not send your details to it.
