Bank of Baroda advertises home loans from 7.20% and can charge up to 8.95%. The two rows below show what the same ₹50,00,000 loan over 20 years costs at each end of that range — the gap is your credit band, not your negotiating skill.
What it costs per month
On ₹50,00,000 over 20 years.
| Rate | EMI | Total interest |
|---|---|---|
| 7.20% | ₹39,367 | ₹44,48,192 |
| 8.95% | ₹44,826 | ₹57,58,153 |
as of 2026-09-17 · Lender rate pages, checked individually.
Principal and interest only. The processing fee, GST, documentation and any insurance sold alongside the loan are additional. For your own loan amount and tenure, run the numbers in the EMI calculator, and check what you would actually be sanctioned with the loan eligibility calculator.
How it compares
At 7.20%, Bank of Baroda has the 4th lowest advertised rate of the 12 providers we track for this product. See the full table of home loan interest rates, or the rest of the bank’s lending detail on the Bank of Baroda home loan page.
Before you use this number
An advertised rate is a floor, not an offer. Where you land inside the 7.20%–8.95% band is set by your credit score, your down payment and your income type. If you are already paying more than this elsewhere, a home loan balance transfer is usually the faster saving, and part-paying is worth modelling in the prepayment calculator first.
Terms change without notice. Confirm the current figures with Bank of Baroda before you act.
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