Bank of Baroda Personal Loan EMI Calculator (2026) – Free Online Tool
📈 Bank of Baroda Rate: 11.05% – 18.75% p.a. (2026)
Bank of Baroda Personal Loan EMI Calculator
Loan Amount ₹5,00,000
Interest Rate (% p.a.) 11.05%
Loan Tenure (Years) 5 Years
Your Monthly EMI
Calculating…
Principal Amount–
Total Interest Payable–
Total Amount Payable–
Enter loan details and click Calculate EMI.
Principal vs Interest Breakdown
Principal
Interest
EMI Breakdown Table – Year-wise Amortization Schedule
| Year | Opening Balance | Principal Paid | Interest Paid | Closing Balance | P vs I Split |
|---|
How to Use Bank of Baroda EMI Calculator
The Bank of Baroda Personal Loan EMI Calculator helps you calculate your exact monthly EMI instantly. Enter 3 values and get results in seconds:
- Enter your Loan Amount (₹50,000 to ₹40,00,000)
- Set the Interest Rate — Bank of Baroda offers 11.05% – 18.75% p.a.
- Choose Loan Tenure — 1 to 7 years
- Click Calculate EMI — get instant results with chart
EMI Calculation Formula
EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]
P = Principal Loan Amount | R = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100) | N = Tenure in Months
P = Principal Loan Amount | R = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100) | N = Tenure in Months
Bank of Baroda Personal Loan Interest Rates 2026
Bank of Baroda offers personal loan interest rates from 11.05% – 18.75% p.a. in 2026. Rates depend on your credit score and income:
| Credit Score | Interest Rate (p.a.) | Max Loan Amount | Max Tenure |
|---|---|---|---|
| 750+ | 11.05% – 12.5% | ₹20 Lakhs | 7 Years |
| 700–749 | 12.5% – 15% | ₹15 Lakhs | 5 Years |
| 650–699 | 15% – 17% | ₹10 Lakhs | 4 Years |
| Below 650 | 17% – 18.75% | ₹5 Lakhs | 3 Years |
*Rates are indicative. Contact Bank of Baroda for exact rates applicable to your profile.
Bank of Baroda Personal Loan EMI Examples (2026)
Ready EMI calculations for common loan amounts at Bank of Baroda:
| Loan Amount | Interest Rate | Tenure | Monthly EMI | Total Interest |
|---|---|---|---|---|
| ₹1,00,000 | 11.05% | 2 years | ₹4,661 | ₹11,864 |
| ₹2,00,000 | 11.05% | 3 years | ₹6,553 | ₹35,908 |
| ₹5,00,000 | 11.05% | 5 years | ₹10,894 | ₹1,53,640 |
| ₹10,00,000 | 12% | 7 years | ₹17,652 | ₹4,82,736 |
| ₹15,00,000 | 13% | 7 years | ₹27,307 | ₹7,93,788 |
Bank of Baroda Personal Loan Eligibility Criteria
For Salaried Employees
- Age: 21 to 60 years
- Minimum salary: ₹15,000/month
- Employment: Minimum 1 year
- Credit score: 700+ preferred
- Documents: Salary slips, bank statements, PAN, Aadhaar
For Self-Employed
- Age: 21 to 65 years
- Business vintage: Min 2 years
- ITR: Last 2 years required
- Credit score: 720+ preferred
- Documents: ITR, P&L statement, bank statements
Frequently Asked Questions – Bank of Baroda Personal Loan EMI
What is Bank of Baroda personal loan interest rate in 2026?
Bank of Baroda personal loan interest rate ranges from 11.05% to 18.75% per annum in 2026.
What is maximum loan amount for BOB personal loan?
Bank of Baroda offers personal loans up to ₹20 lakhs with tenure up to 7 years.
Does Bank of Baroda offer personal loan for pensioners?
Yes, Bank of Baroda has special personal loan schemes for pensioners with lower interest rates.
What is BOB personal loan processing fee?
Bank of Baroda charges processing fee of 2% of loan amount plus applicable GST.
Can I apply for BOB personal loan online?
Yes, you can apply through their website or Bob World mobile app.