BOBank of Baroda Calculators & Rates 2026Public sector bank
Current BoB loan and deposit rates, each wired to a calculator preset to that rate — plus how BoB compares with other banks.
How BoB compares with other banks
BoB's home loan rate of 8.40% is the 3rd lowest of 7 banks (best: PNB at 8.35%) — 0.30 percentage points below the 8.70% median.
BoB's personal loan rate of 11.05% is the 5th lowest of 8 banks (best: HDFC at 10.75%) — 0.03 percentage points above the 11.02% median.
BoB's car loan rate of 8.85% is the lowest of the 7 banks we track — 0.25 percentage points below the 9.10% median.
BoB's 1-year FD rate of 6.85% is the 3rd highest of 8 banks (best: AU SFB at 7.25%) — 0.05 percentage points above the 6.80% median.
BoB's 1-year RD rate of 6.80% is the 4th highest of 8 banks (best: AU SFB at 7.20%) — 0.05 percentage points above the 6.75% median.
Rankings use each bank’s headline rate; your offered rate depends on amount, tenure and credit profile, so treat these as a shortlist, not a verdict. The full picture per product — slab-wise tables and every bank side by side — is on FD rates and all banks.
BoB fees and rules that matter
The rate is only half the cost of a banking product. These are the charges and conditions from BoB’s own product terms that most change what you actually pay or receive:
Home loan
- Baroda Home Loan floating rates are linked to the Baroda Repo Linked Lending Rate (BRLLR); the spread over BRLLR depends on your CIBIL score and loan amount.
- As a PSU lender, Bank of Baroda often waives or halves home-loan processing fees during festive campaigns.
- Individual borrowers on floating-rate home loans pay no prepayment or foreclosure charges, in line with RBI norms.
- The Baroda Home Loan Advantage (overdraft) variant lets surplus balances offset interest, reducing the effective cost.
Personal loan
- Baroda Personal Loan pricing is linked to the BRLLR plus a risk-based spread; government, defence and PSU salaried applicants get the lowest band.
- Loan amounts range from ₹50,000 to ₹20,00,000 with repayment tenures of up to 84 months.
- Existing Bank of Baroda salary-account holders may receive pre-approved offers with reduced documentation.
- Processing fee is around 1% of the sanctioned amount and is frequently discounted during festive offers.
Car loan
- Baroda Car Loan is linked to the BRLLR and finances up to 90% of the on-road price of a new vehicle.
- Repayment tenures of up to 84 months (7 years) are available for new cars.
- Applicants with a CIBIL score of 800+ and government employees qualify for the lowest interest band.
- Floating-rate car loans to individual borrowers carry no prepayment penalty under RBI norms.
FD · 1 year
- Senior citizens earn an extra 0.50% across tenures on Baroda retail term deposits.
- Deposits with this public-sector bank are insured by the DICGC up to ₹5,00,000 per depositor.
- Bank of Baroda's peak retail rate currently sits in the 2–3 year bucket rather than at the longest tenure.
- Premature withdrawal is allowed with a penalty of about 1% on the applicable rate for retail deposits.
RD · 1 year
- Baroda Recurring Deposit instalments start from as little as ₹100 per month.
- Recurring deposits earn the same card rate as a term deposit of matching tenure, with quarterly compounding.
- Senior citizens receive an additional 0.50% over the applicable card rate.
- Balances are insured by the DICGC up to ₹5,00,000 per depositor at the bank.
All BoB rates on this page were verified on 16 July 2026. Rates are indicative seed values; confirm with BoB before acting.