Bank of Baroda Personal Loan 2025 is one of the most trusted lending options for salaried and self-employed individuals who need quick access to funds in 2025. With competitive interest rates, fast approvals, and minimal documentation, BOB offers personal loans ideal for emergencies, weddings, travel, medical expenses, or debt consolidation.
Whether you’re an existing BOB account holder or a first-time borrower, Bank of Baroda Personal Loan 2025 gives you the flexibility of repayment terms up to 72 months and loan amounts up to ₹20 lakh. The bank also offers pre-approved loans for select customers and simplified digital application channels.
This comprehensive guide explains everything you need to know about Bank of Baroda Personal Loan 2025 — interest rate slabs, processing fees, EMI examples, eligibility criteria, online application process, repayment, and the latest updates on credit score-based lending policies. FAQs, internal/external links, and updated RankMath SEO block are included for full optimization.
Key Highlights of Bank of Baroda Personal Loan 2025
| Feature | Details |
|---|---|
| Loan Amount | ₹50,000 to ₹20 lakh |
| Interest Rate | 10.49% to 16.50% p.a. |
| Tenure | 12 to 60 months |
| Processing Fee | Up to 2% |
| Repayment | Monthly EMIs via auto-debit or ECS |
| Disbursal Time | 24 to 72 hours |
| Eligible Applicants | Salaried, self-employed, pensioners, NRIs |
BoB personal loans are unsecured, meaning you don’t need to mortgage property or assets.
Types of Bank of Baroda Personal Loans in 2025
Baroda Personal Loan – For salaried or self-employed individuals.
Baroda Loan for Pensioners – For retired government or PSU employees.
Loan Against Salary Account – For salaried with salary credited to BoB.
Loan Against Fixed Deposit – Secure higher amount at lower interest.
Baroda Pre-Approved Personal Loan – Instant loan for eligible BoB customers via app.
Bank of Baroda Personal Loan 2025 Interest Rates
| Applicant Type | Interest Rate (p.a.) |
|---|---|
| Salaried | 10.49% – 14.50% |
| Self-employed | 11.00% – 15.50% |
| Pensioners | 10.75% – 12.50% |
| Pre-approved | As low as 10.25% |
| Loan against FD | 9.00% – 10.50% |
Interest rate depends on credit profile, income, loan amount, and tenure.
Eligibility Criteria
| Parameter | Requirement |
|---|---|
| Age | 21 to 60 years (up to 70 for pensioners) |
| Income | ₹15,000/month or more |
| Employment | Salaried, self-employed, or pensioner |
| Work Experience | Min. 1 year (salaried), 2 years (self-employed) |
| CIBIL Score | 700+ preferred |
| Co-applicant | Optional; improves eligibility |
Documents Required
For Salaried:
PAN Card
Aadhaar / Voter ID / Passport
Latest 3-month salary slips
6-month bank statement
Form 16 (optional)
For Self-Employed:
PAN + Aadhaar
ITR (2 years)
CA-certified Profit & Loss Account
Business registration / GST certificate
For Pensioners:
Pension payment order
Pension slips or passbook
PAN and Aadhaar
Bank of Baroda Personal Loan EMI Calculation
Use the formula:
EMI = [P x R x (1+R)^N] / [(1+R)^N – 1]
Where:
P = Loan Amount
R = Interest Rate ÷ 12 ÷ 100
N = Loan Tenure in months
Example:
Loan = ₹5 lakh
Rate = 11%
Tenure = 4 years
EMI ≈ ₹12,926/month
Try the BoB Personal Loan EMI Calculator to adjust amount and tenure.
Step-by-Step: How to Apply for Bank of Baroda Personal Loan Online
Visit BoB Personal Loan Portal
Click “Apply Now”
Enter PAN, Mobile, and OTP
Fill your personal, employment, and income details
Upload documents (PDF/JPEG)
Get eligibility result
Accept loan terms and e-sign
Loan amount credited within 24–72 hours
Offline Application (Branch Process)
Visit your nearest BoB branch
Request and fill the personal loan application form
Submit required documents with photocopies
Verification by branch staff
Receive sanction letter and disbursal
Benefits of Choosing BoB Personal Loan in 2025
Lower interest for existing account holders
Pre-approved loans via BoB World App
No hidden charges or processing surprises
Online tracking and e-KYC facility
Strong support for pensioners and self-employed
Smart Tips to Get Faster Approval
Maintain a CIBIL score above 750
Show all income sources (rental, side business, etc.)
Prefer shorter tenure for faster sanction
Apply via BoB app if you’re pre-approved
Avoid simultaneous loan applications with other banks
Bank of Baroda Personal Loan vs SBI, HDFC, ICICI – 2025 Comparison
| Feature | BOB | SBI | HDFC | ICICI |
|---|---|---|---|---|
| Min Interest Rate | 10.10% | 10.50% | 10.50% | 10.75% |
| Max Tenure | 72 months | 60 months | 60 months | 60 months |
| Loan Amount | Up to ₹20 Lakhs | Up to ₹20 Lakhs | Up to ₹40 Lakhs | Up to ₹25 Lakhs |
| Processing Fee | Up to 2% | 1% + taxes | 2.5% + taxes | 2.25% + taxes |
| Approval Time | 1–2 Days | 3–5 Days | 1 Day | 2 Days |
Verdict: BOB scores high on tenure, quick disbursal, and reasonable interest rates, especially for salaried borrowers.
FAQs – Bank of Baroda Personal Loan 2025
Q1. What is the interest rate for Bank of Baroda personal loan in 2025?
It starts from 10.49% p.a. for salaried applicants and varies based on profile.
Q2. Can I apply without visiting the branch?
Yes, you can apply fully online through the official website or BoB World app.
Q3. What is the minimum CIBIL score required?
A score of 700+ is preferred for quick approval and best rates.
Q4. Is it possible to get a loan without salary slip?
Yes, with alternate documents like ITR, bank statements, or co-applicant support.
Q5. How long does disbursal take?
Typically 24 to 72 working hours after document verification and approval.
Q6. What if I prepay the loan early?
There are no foreclosure charges after 6 EMIs on floating rate loans.
Q7. Are self-employed professionals eligible?
Yes, with valid ITR, business proof, and stable cash flow.
Q8. Can pensioners apply for BoB personal loan?
Yes, under the Baroda Loan for Pensioners with special terms.
Q9. What is the maximum loan I can get?
Up to ₹20 lakh, depending on income and credit profile.
Q10. Where can I check my application status?
Track your loan on BoB Loan Tracker or by calling customer support.
Important Links
| Bank of Baroda officials website | click here |
| home page | click here |
| Join WhatsApp group | join here |
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Conclusion
Bank of Baroda Personal Loan 2025 stands out as a trusted and flexible borrowing option for salaried, self-employed, and pensioner applicants. With competitive interest rates, fast disbursal, and both online and offline application modes, BoB offers convenience and affordability. Whether you’re funding an emergency, managing debt, or planning a big event, BoB personal loans provide tailored solutions backed by transparent processes and minimal paperwork. For reliable lending in 2025, Bank of Baroda continues to be a strong choice.