Bank of Baroda Loan Calculator

Bank of Baroda (BOB) is one of India's leading public sector banks, offering comprehensive loan solutions across India, Bhutan, and the UAE. With over a century of banking excellence, BOB provides competitive interest rates, flexible repayment options, and personalized service to meet diverse financial needs. Whether you're looking for a mortgage loan to purchase your dream home, a personal loan for immediate expenses, a gold loan against your assets, a car or bike loan for vehicle financing, a KCC loan for agricultural needs, an education loan for higher studies, an agriculture loan for farming requirements, a pension loan for retirees, or a business loan for entrepreneurial ventures, Bank of Baroda has tailored solutions for every need.

Mortgage Loans and Home Loans: Bank of Baroda offers competitive mortgage and home loan options with interest rates starting from 8.50% per annum. You can finance up to 90% of the property value, with loan tenures extending up to 30 years, making monthly EMIs affordable. BOB provides special schemes for government employees, women borrowers, and first-time homebuyers. The bank also offers top-up loans, balance transfer facilities, and prepayment options to help you manage your home loan effectively. Whether you're purchasing a new home, constructing a property, or renovating your existing residence, BOB mortgage and home loans provide flexible financing solutions.

Personal Loans: BOB personal loans are designed for various personal expenses including medical emergencies, wedding expenses, home renovation, travel, debt consolidation, or any other immediate financial needs. The loan amount ranges from ₹50,000 to ₹10 lakhs with flexible repayment tenures up to 7 years. Interest rates are competitive, starting from 10.75% per annum, making personal loans accessible for salaried individuals and self-employed professionals. The loan processing is quick with minimal documentation, and you can check your eligibility based on your monthly salary using this calculator.

Gold Loans: BOB gold loans allow you to leverage your gold assets without selling them. You can get a loan of up to 75% of the gold's market value at competitive interest rates starting from 9.25% per annum. The loan is processed quickly with minimal documentation, making it perfect for urgent financial needs. Gold loans are available for tenures up to 3 years, and you can make prepayments to reduce interest costs. This calculator helps you determine the loan amount based on your gold value and plan your repayment schedule.

Car Loans: BOB car loans make vehicle ownership accessible with attractive interest rates starting from 8.75% per annum and flexible repayment options. Whether you're buying a new car or a used car, BOB offers financing solutions tailored to your needs. The loan amount can cover up to 90% of the car's value for new vehicles and up to 85% for used vehicles. Repayment tenures range from 1 to 7 years, allowing you to choose an EMI that fits your budget. This calculator helps you plan your car loan EMI and understand the total cost of ownership.

Bike Loans: BOB bike loans provide affordable financing for two-wheeler purchases with competitive interest rates starting from 9.00% per annum. Whether you're buying a new motorcycle or scooter, BOB offers flexible repayment options with tenures up to 5 years. The loan can cover up to 90% of the bike's value, making it easy to own your dream two-wheeler. Use this calculator to determine your monthly EMI and plan your bike loan repayment.

KCC Loans (Kisan Credit Card): Bank of Baroda offers Kisan Credit Card loans to support farmers and agricultural activities. With interest rates starting from 7.00% per annum, KCC loans provide flexible credit facilities for crop production, post-harvest expenses, and other farming needs. The loan tenure can extend up to 5 years, and farmers can withdraw and repay funds as per their agricultural cycle. This calculator helps you plan your KCC loan repayment and understand the interest costs.

Education Loans: BOB education loans support your educational aspirations by covering tuition fees, accommodation, books, and other related expenses. Interest rates start from 8.25% per annum, and the loan can be repaid after course completion with a moratorium period available. BOB offers education loans for studies in India and abroad, with loan amounts up to ₹1.5 crores for international studies. The repayment tenure can extend up to 15 years, giving you flexibility in managing your finances after completing your education. This calculator helps you plan your education loan EMI and understand the total repayment amount.

Agriculture Loans: Bank of Baroda provides specialized agriculture loans to support farming activities, purchase of agricultural equipment, and other agricultural needs. With competitive interest rates starting from 7.00% per annum, agriculture loans offer flexible repayment options with tenures up to 5 years. Whether you need funds for crop production, equipment purchase, or agricultural infrastructure, BOB agriculture loans provide tailored solutions. Use this calculator to plan your agriculture loan repayment and understand the financial implications.

Pension Loans: BOB pension loans are designed specifically for pensioners and retirees, offering financial assistance with competitive interest rates starting from 9.50% per annum. These loans provide flexible repayment options with tenures up to 5 years, allowing pensioners to meet their financial needs without burdening their fixed income. Whether you need funds for medical expenses, home renovation, or other personal needs, BOB pension loans offer convenient financing solutions. This calculator helps you plan your pension loan EMI and repayment schedule.

Business Loans: Bank of Baroda offers comprehensive business loan solutions for startups, existing businesses, and commercial ventures. With interest rates starting from 11.50% per annum, business loans provide flexible financing options with tenures up to 10 years. Whether you need working capital, equipment financing, or expansion capital, BOB business loans offer tailored solutions. The loan amount and terms depend on your business type, financials, and creditworthiness. Use this calculator to plan your business loan EMI and understand the repayment structure.

Eligibility Based on Salary: Bank of Baroda offers special benefits for salary account holders, including preferential interest rates, higher loan eligibility, faster processing, and reduced processing fees. The eligibility is calculated based on your monthly salary, with banks typically allowing up to 60% of net salary for EMI payments. This calculator helps you determine your maximum loan eligibility based on your salary and existing EMIs, ensuring you can plan your finances effectively. Whether you're applying for a home loan, personal loan, car loan, or any other loan type, understanding your eligibility helps you make informed decisions.

Regional Presence: Bank of Baroda has a strong presence in India, Bhutan, and the UAE, offering localized loan products and services. Interest rates and terms may vary slightly by region, and this calculator accounts for these differences. Whether you're in India, Bhutan, or the UAE, BOB provides reliable banking services and loan solutions to help you achieve your financial goals. The calculator supports calculations for all three regions, allowing you to plan your loan based on your location.

Use this Bank of Baroda loan calculator to plan your loan repayment, understand your EMI obligations, check eligibility based on your salary, and explore prepayment options to save on interest. The calculator provides detailed amortization schedules and allows you to export the payment schedule for your records. Whether you're planning a home purchase, vehicle financing, education expenses, agricultural needs, business expansion, or need a personal loan, this comprehensive calculator helps you make informed financial decisions. Calculate your EMI for mortgage loans, home loans, personal loans, gold loans, car loans, KCC loans, education loans, agriculture loans, pension loans, bike loans, and business loans with instant results for 2025.