BoB Home Loan EMI Calculator
Preset to BoB's current home loan emi rate of 8.4%. Change any value to see your own numbers.
- Current rate 8.40%
- Range 8.40–9.50%
- Rank #3 of 7 banks
- Verified 16 July 2026
BoB Home Loan EMI Calculator
- Principal₹50,00,000
- Total interest₹53,38,056
- Total payment₹1,03,38,056
Where your money goes
- Principal ₹50,00,000
- Interest ₹53,38,056
Amortization schedule — year by year
| Year | Principal paid | Interest paid | Balance left |
|---|---|---|---|
| 1 | ₹1,00,722 | ₹4,16,181 | ₹48,99,278 |
| 2 | ₹1,09,516 | ₹4,07,387 | ₹47,89,762 |
| 3 | ₹1,19,078 | ₹3,97,825 | ₹46,70,684 |
| 4 | ₹1,29,475 | ₹3,87,428 | ₹45,41,210 |
| 5 | ₹1,40,779 | ₹3,76,124 | ₹44,00,431 |
| 6 | ₹1,53,071 | ₹3,63,832 | ₹42,47,360 |
| 7 | ₹1,66,435 | ₹3,50,467 | ₹40,80,925 |
| 8 | ₹1,80,967 | ₹3,35,936 | ₹38,99,958 |
| 9 | ₹1,96,767 | ₹3,20,135 | ₹37,03,191 |
| 10 | ₹2,13,947 | ₹3,02,956 | ₹34,89,244 |
| 11 | ₹2,32,627 | ₹2,84,276 | ₹32,56,617 |
| 12 | ₹2,52,938 | ₹2,63,965 | ₹30,03,679 |
| 13 | ₹2,75,022 | ₹2,41,881 | ₹27,28,657 |
| 14 | ₹2,99,034 | ₹2,17,868 | ₹24,29,623 |
| 15 | ₹3,25,143 | ₹1,91,759 | ₹21,04,479 |
| 16 | ₹3,53,532 | ₹1,63,371 | ₹17,50,948 |
| 17 | ₹3,84,399 | ₹1,32,504 | ₹13,66,549 |
| 18 | ₹4,17,961 | ₹98,942 | ₹9,48,588 |
| 19 | ₹4,54,453 | ₹62,449 | ₹4,94,135 |
| 20 | ₹4,94,135 | ₹22,771 | ₹0 |
BoB home loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| CIBIL 800+ (best band) | 8.40% |
| CIBIL 750–799 | 8.60% |
| CIBIL 725–749 | 8.85% |
| CIBIL 700–724 | 9.10% |
| CIBIL below 700 | 9.50% |
This Home Loan calculator is preset to Bank of Baroda's current 8.4% rate (as of 16 July 2026), so the EMI you see the moment the page loads reflects a real BoB loan — change the amount or tenure to match yours.
BoB's home loan rates run from 8.40% to 9.50% depending on your profile and loan size. Below is BoB's full rate table, the fees and rules that actually apply, and how BoB compares with the 7 banks we track — the one thing no bank's own page will show you.
BoB home loan — key facts
- 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.
How BoB compares
BoB's home loan rate is below the category median — competitive, but PNB is cheaper at 8.35%.
BoB home loan FAQs
What is BoB's home loan interest rate in 2026?
Bank of Baroda offers home loan rates from 8.4% to 9.5% (indicative headline 8.4%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a BoB home loan?
The processing fee is Up to 0.25% of the loan amount (min ₹8,500, max ₹25,000); frequently waived during campaigns. 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.
Can I prepay or foreclose my BoB home loan early?
Individual borrowers on floating-rate home loans pay no prepayment or foreclosure charges, in line with RBI norms.
How is the EMI on a BoB home loan calculated?
The EMI uses the reducing-balance method — interest is charged only on the outstanding balance, so the interest share of each instalment falls over time. At 8.4% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.