BoB Personal Loan EMI Calculator
Preset to BoB's current personal loan emi rate of 11.05%. Change any value to see your own numbers.
- Current rate 11.05%
- Range 11.05–13.25%
- Rank #5 of 8 banks
- Verified 16 July 2026
BoB Personal Loan EMI Calculator
- Principal₹5,00,000
- Total interest₹1,53,021
- Total payment₹6,53,021
Where your money goes
- Principal ₹5,00,000
- Interest ₹1,53,021
BoB personal loan interest rates 2026
| Tenure / slab | Rate |
|---|---|
| Govt / defence / PSU salaried (best band) | 11.05% |
| Corporate salaried, CIBIL 750+ | 11.65% |
| Other salaried, CIBIL 700–749 | 12.40% |
| Self-employed / non-salaried | 13.25% |
This Personal Loan calculator is preset to Bank of Baroda's current 11.05% 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 personal loan rates run from 11.05% to 13.25% 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 8 banks we track — the one thing no bank's own page will show you.
BoB personal loan — key facts
- 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.
How BoB compares
BoB's personal loan rate is above the category median. HDFC is cheaper at 10.75%.
BoB personal loan FAQs
What is BoB's personal loan interest rate in 2026?
Bank of Baroda offers personal loan rates from 11.05% to 13.25% (indicative headline 11.05%). The exact rate depends on your credit score, income and loan amount.
What are the fees on a BoB personal loan?
The processing fee is Up to 1% of the loan amount (min ₹1,000, max ₹10,000). Baroda Personal Loan pricing is linked to the BRLLR plus a risk-based spread; government, defence and PSU salaried applicants get the lowest band.
Can I prepay or foreclose my BoB personal loan early?
Loan amounts range from ₹50,000 to ₹20,00,000 with repayment tenures of up to 84 months.
How is the EMI on a BoB personal 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 11.05% the calculator above shows your monthly EMI; change the amount and tenure to match your loan.