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Bank of Baroda Home Loan EMI Calculator

Bank of Baroda Home Loan Calculator

Last Updated 16th Jul 2021

  • Bank of Baroda home loan EMI per ₹ 1 Lakh is ₹ 649, which is one of the lowest EMI offered by banks. Check Best Offers
  • Housing loan EMI in Bank of Baroda is calculated based on loan amount, loan tenure and interest rate.
  • It is better to calculate your EMI for Bank of Baroda home loan before applying. Use an online Bank of Baroda loan EMI calculator to estimate your EMI.
  • Check Bank of Baroda home loan EMI for different tenures at the current Bank of Baroda home loan interest rate of 6.75%
  • Loan Amount10 Year Loan15 Year loan30 Year loan
    ₹ 10 Lakh₹ 11,482₹ 8,849₹ 6,486
    ₹ 20 Lakh₹ 22,965₹ 17,698₹ 12,972
    ₹ 30 Lakh₹ 34,447₹ 26,547₹ 19,458
    ₹ 50 Lakh₹ 57,412₹ 44,245₹ 32,430

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Bank of Baroda Home Loan EMI Calculator Online

Bank of Baroda Home Loan EMI is the fixed amount that you need to pay on a fixed date of the month till the end of repayment tenure. The amount is based on your loan amount, tenure and interest rate. You can calculate your Bank of Baroda housing loan EMI in advance to plan your loan payments and expenses using a Bank of Baroda home loan calculator. Bank of Baroda home loan EMI calculator is an online tool that functions on a mathematical algorithm and gives accurate results without hassle.

Why should you use Bank of Baroda Home Loan EMI Calculator?

  • Calculate the EMI at Different Tenures: Bank of Baroda offers the lowest EMI per lakh at ₹ 649. To get the lowest EMI on your home loan, you can compare the EMIs with a different loan amount and tenure. However, it is advisable to check with the bank to know the interest rate you will be eligible for Bank of Baroda home loan.
  • Compare Bank of Baroda Home Loan EMI: With Bank of Baroda home loan EMI Calculator, you can also estimate EMI on your home loan from Bank of Baroda with other leading banks in India at the same loan amount and tenure at varying interest rates.
  • Get Detailed Amortisation Schedule: You can calculate the division of total EMIs into interest and principal repayment on your loan at different periods throughout the loan tenure.
  • Calculate the Outstanding Balance: Finally, you can also calculate the remaining loan tenure for the outstanding balance at any period of the loan tenure. If you want to reduce your home loan tenure, you can always consider a home loan balance transfer because other banks may allow you to pay your home loan at low rates.

Bank of Baroda Home Loan EMI Calculator to estimate the EMI that fits your budget

To calculate your home loan EMI at different rates and tenure, enter different loan amounts and tenure at the eligible interest rate on Bank of Baroda Home Loan EMI calculator. The below-mentioned table shows the calculation of Bank of Baroda Home Loan at the various combinations of loan amount and years at the lowest rate of 6.75%. Considering this example, if you think you can afford to pay an EMI of in your budget, take an loan for 15 years or loan for 30 years, maybe the right Bank of Baroda Home loan plan for you.

Bank of Baroda home loan EMI is calculated for different loan amounts and tenures at 6.75% interest rate
Loan Tenure
Loan Amount (Rs.) 15 years20 years30 years
₹ 25 Lakh ₹ 22,123 ₹ 19,009 ₹ 16,215
₹ 50 Lakh ₹ 44,245 ₹ 38,018 ₹ 32,430
₹ 75 Lakh ₹ 66,368 ₹ 57,027 ₹ 48,645
₹ 1 Cr ₹ 88,491 ₹ 76,036 ₹ 64,860

Benefits of using Bank of Baroda Home Loan EMI Calculator

Bank of Baroda Home Loan Calculator is online and gives instant results with 100% accuracy. The best part is that you can calculate and compare multiple EMIs on different combinations of loan amount, interest rate and tenure. Thus, using Bank of Baroda Home Loan EMI Calculator helps you to choose the right amount of EMI that is affordable and also decide on the right loan amount and loan tenure. Further, if you use the MyLoanCare Bank of Baroda Home Loan Calculator, you have the option to receive calculated EMIs and amortization schedules for each calculation by mail which can be referred to at a later stage when you are making the final decision to take a loan.

Factors Affecting Bank of Baroda Home Loan EMI

Home Loan EMI can be calculated using an online Home Loan Calculator which takes into account factors such as loan amount, rate of interest and the tenure for which you are planning to avail the loan.

Loan Amount

If you apply for a higher loan amount, you will have to pay a higher EMI Bank of Baroda gives a minimum home loan of ₹ 30,00,000 upto a maximum amount of ₹ 7,00,00,000.

Interest Rate

Higher interest rate increases your Bank of Baroda housing loan EMI which will increase the total cost of the loan. Bank of Baroda current home loan interest rate starts at 6.75%. Do a complete market research and compare rates and calculate EMI online using Bank of Baroda home loan calculator before you apply for a home loan.

Loan Tenure

This is the period in which you can repay your home loan in Bank of Baroda. Your EMI will be lower if you take a 30 years loan from Bank of Baroda as compared to a loan taken for 5 years. For a longer period, you get to pay a smaller EMI and vice-versa.

Bank of Baroda Home Loan EMI Calculator Formula

Bank of Baroda Home Loan Calculator calculates EMI based on the following formula.

P*r* (1+r)^n/([(1+r)^n]-1)

Here is an illustration of how Bank of Baroda Home Loan EMI calculator formulates EMI:

In above formula,

  • P = Loan amount. Bank of Baroda home loan amount can range from ₹ 30,00,000 to ₹ 7,00,00,000
  • r = Rate of interest per month. Current Bank of Baroda housing loan rate 6.75%.
  • n = tenure in month. For Bank of Baroda, maximum home loan tenure is 360 months

Comparison of Bank of Baroda Home Loan EMI with other Banks

Bank Name Interest rate Loan Amount of ₹ 10 Lakh Loan Amount of ₹ 30 Lakh Loan Amount of ₹ 50 Lakh
Bank of Baroda 6.75% ₹ 6,486 ₹ 19,458 ₹ 32,430
HDFC 6.75% ₹ 6,486 ₹ 19,458 ₹ 32,430
ICICI Bank 6.75% ₹ 6,486 ₹ 19,458 ₹ 32,430
SBI 6.70% ₹ 6,453 ₹ 19,358 ₹ 32,264
LIC Housing Finance 6.66% ₹ 6,426 ₹ 19,279 ₹ 32,131
Axis Bank 6.66% ₹ 6,426 ₹ 19,279 ₹ 32,131

Bank of Baroda Home Loan Amortization Calculator

Bank of Baroda Home Loan amortization schedule gives a break up of your monthly EMI into interest and principal repayment. Bank of Baroda gives you a detailed amortisation schedule with the sanction letter and you can calculate the total interest outgo as well as the pace at which your loan amount will be repaid during the loan tenure.

How to read an amortization schedule

Suppose if you take a Home Loan of ₹ 25 Lakh for 30 years from Bank of Baroda at an interest rate of 6.75%. EMI calculated for this loan amount is ₹ 16,215 and the total annual EMIs to be paid annually is ₹ 1,94,579. The EMI schedule of loan for 30 years is explained below in the table –

Amortization Schedule for a Home Loan of ₹ 25 Lakh over the 30 years

Year Interest paid during the year Principal repaid during the year Total amount paid during the year (Interest + Principal) Outstanding Principal
2021 ₹ 84,192 ₹ 13,098 ₹ 97,290 ₹ 24,86,902
2022 ₹ 1,67,024 ₹ 27,556 ₹ 1,94,579 ₹ 24,59,347
2023 ₹ 1,65,105 ₹ 29,474 ₹ 1,94,579 ₹ 24,29,872
2024 ₹ 1,63,053 ₹ 31,527 ₹ 1,94,579 ₹ 23,98,346
2025 ₹ 1,60,858 ₹ 33,722 ₹ 1,94,579 ₹ 23,64,624
2026 ₹ 1,58,510 ₹ 36,070 ₹ 1,94,579 ₹ 23,28,554
2027 ₹ 1,55,998 ₹ 38,581 ₹ 1,94,579 ₹ 22,89,973
2028 ₹ 1,53,312 ₹ 41,267 ₹ 1,94,579 ₹ 22,48,706
2029 ₹ 1,50,439 ₹ 44,141 ₹ 1,94,579 ₹ 22,04,565
2030 ₹ 1,47,365 ₹ 47,214 ₹ 1,94,579 ₹ 21,57,351
2031 ₹ 1,44,078 ₹ 50,502 ₹ 1,94,579 ₹ 21,06,849
2032 ₹ 1,40,561 ₹ 54,018 ₹ 1,94,579 ₹ 20,52,831
2033 ₹ 1,36,800 ₹ 57,779 ₹ 1,94,579 ₹ 19,95,052
2034 ₹ 1,32,777 ₹ 61,802 ₹ 1,94,579 ₹ 19,33,250
2035 ₹ 1,28,474 ₹ 66,105 ₹ 1,94,579 ₹ 18,67,145
2036 ₹ 1,23,871 ₹ 70,708 ₹ 1,94,579 ₹ 17,96,437
2037 ₹ 1,18,948 ₹ 75,631 ₹ 1,94,579 ₹ 17,20,805
2038 ₹ 1,13,682 ₹ 80,897 ₹ 1,94,579 ₹ 16,39,908
2039 ₹ 1,08,049 ₹ 86,530 ₹ 1,94,579 ₹ 15,53,378
2040 ₹ 1,02,024 ₹ 92,555 ₹ 1,94,579 ₹ 14,60,823
2041 ₹ 95,580 ₹ 98,999 ₹ 1,94,579 ₹ 13,61,823
2042 ₹ 88,687 ₹ 1,05,893 ₹ 1,94,579 ₹ 12,55,930
2043 ₹ 81,314 ₹ 1,13,266 ₹ 1,94,579 ₹ 11,42,665
2044 ₹ 73,427 ₹ 1,21,152 ₹ 1,94,579 ₹ 10,21,513
2045 ₹ 64,992 ₹ 1,29,588 ₹ 1,94,579 ₹ 8,91,925
2046 ₹ 55,969 ₹ 1,38,611 ₹ 1,94,579 ₹ 7,53,314
2047 ₹ 46,318 ₹ 1,48,262 ₹ 1,94,579 ₹ 6,05,052
2048 ₹ 35,994 ₹ 1,58,585 ₹ 1,94,579 ₹ 4,46,467
2049 ₹ 24,952 ₹ 1,69,627 ₹ 1,94,579 ₹ 2,76,840
2050 ₹ 13,142 ₹ 1,81,438 ₹ 1,94,579 ₹ 95,403
2051 ₹ 1,887 ₹ 95,403 ₹ 97,290 -₹ 0

In the above illustration, on a Bank of Baroda Home Loan of₹ 25 Lakh, taken at the lowest interest rate of 6.75, EMI paid is ₹ 16,215 and an annual total of EMIs is ₹ 1,94,579, the interest component is ₹ 1,67,936 while the principal component is ₹ 26,644 in year 1 of loan disbursement. You repay only 1.07% of the total principal after paying 12 EMIs during the first year.

Bank of Baroda Home Loan EMI for ₹ 10 Lakh

The following table shows Bank of Baroda Housing Loan EMI for ₹ 10,00,000 for different tenures at an interest rate of 6.75%

Loan Amount Interest rate Tenure (Year) EMI
₹ 10,00,000 6.75% 5 Years ₹ 19,683
₹ 10,00,000 6.75% 10 Years ₹ 11,482
₹ 10,00,000 6.75% 15 Years ₹ 8,849
₹ 10,00,000 6.75% 20 Years ₹ 7,604
₹ 10,00,000 6.75% 30 Years ₹ 6,486

Bank of Baroda Home Loan EMI for ₹ 20 Lakh

The following table shows Bank of Baroda Housing Loan EMI for ₹ 20,00,000 for different tenures at an interest rate of 6.75%

Loan Amount Interest rate Tenure (Year) EMI
₹ 20,00,000 6.75% 5 Years ₹ 39,367
₹ 20,00,000 6.75% 10 Years ₹ 22,965
₹ 20,00,000 6.75% 15 Years ₹ 17,698
₹ 20,00,000 6.75% 20 Years ₹ 15,207
₹ 20,00,000 6.75% 30 Years ₹ 12,972

Bank of Baroda Home Loan EMI for ₹ 30 Lakh

The following table shows Bank of Baroda Housing Loan EMI for ₹ 30,00,000 for different tenures at an interest rate of 6.75%

Loan Amount Interest rate Tenure (Year) EMI
₹ 30,00,000 6.75% 5 Years ₹ 59,050
₹ 30,00,000 6.75% 10 Years ₹ 34,447
₹ 30,00,000 6.75% 15 Years ₹ 26,547
₹ 30,00,000 6.75% 20 Years ₹ 22,811
₹ 30,00,000 6.75% 30 Years ₹ 19,458

Bank of Baroda Home Loan EMI for ₹ 50 Lakh

The following table shows Bank of Baroda Housing Loan EMI for ₹ 50,00,000 for different tenures at an interest rate of 6.75%

Loan Amount Interest rate Tenure (Year) EMI
₹ 50,00,000 6.75% 5 Years ₹ 98,417
₹ 50,00,000 6.75% 10 Years ₹ 57,412
₹ 50,00,000 6.75% 15 Years ₹ 44,245
₹ 50,00,000 6.75% 20 Years ₹ 38,018
₹ 50,00,000 6.75% 30 Years ₹ 32,430

Other Loan Calculators Offered by MyLoanCare

FAQs

Will the Bank of Baroda home loan EMI remain constant or change in future?

No, your Bank of Baroda Home Loan EMI can change if you have taken a floating rate loan and there is a change in the repo rate to which the home loan rate has been benchmarked. However, if it is a fixed rate loan, the Bank of Baroda Home Loan EMI will remain unchanged throughout the loan tenure unless you request for a change in tenure or prepay your loan amount.

What happens in case of increase or decrease in Bank of Baroda interest rate?

Bank of Baroda offers floating rate home loans only. If you take a floating rate loan from Bank of Baroda, your interest rate and hence EMI will decrease with a cut in the repo rate and increase with an increase in repo rate on the date of reset. This means that your Bank of Baroda home loan EMI can keep fluctuating during the loan tenure depending on the changes in interest rates.

Will Bank of Baroda home loan EMI change in case of prepayment?

Bank of Baroda allows prepayment at nil charges in case of floating rate home loans. When you make a prepayment, the outstanding balance of the principal amount on your Bank of Baroda home loan reduces. In this case, you may choose to either keep the EMI same and reduce the loan tenure (that is paying off the loan faster) or reduce the EMI and keep the loan tenure the same (that is paying a lesser amount every month). It is beneficial to keep the Bank of Baroda home loan EMI constant and reduce the loan tenure as you pay less interest to the bank in this option. After prepayment, you can calculate your home loan EMI using Bank of Baroda home loan calculator.

Why should I calculate Bank of Baroda loan EMI before taking a loan?

It is advised to calculate Bank of Baroda home loan EMI before taking a home loan. There are several benefits of calculating your Bank of Baroda housing loan EMI which can be done using Bank of Baroda loan calculator Bank of Baroda housing loan EMI calculator as discussed below -

  • In case EMI comes out to be more than your monthly budget, then you have the chance to apply for a lower loan amount which fits your monthly budget and make Bank of Baroda EMI affordable.
  • If you already know the EMI you have to pay each month, then you can plan your spends accordingly
  • Based on the EMI amount, you can opt for making a prepayment of your home loan in the future when you have a surplus amount. You can calculate the aftermaths of prepayment using home loan emi calculator Bank of Baroda.

What is the EMI for home loan in Bank of Baroda?

The Bank of Baroda EMI will vary based on loan amount, tenure, rate of interest and can be calculated using Bank of Baroda home loan calculator. Based on the lowest rate of 6.75% and maximum tenure of 30 years, the Bank of Baroda home loan EMI for different loan amount will be:

Loan amount EMI
₹ 10 Lakh ₹ 6,486
₹ 12 Lakh ₹ 7,783
₹ 15 Lakh ₹ 9,729
₹ 30 Lakh ₹ 19,458
₹ 50 Lakh ₹ 32,430

You can compare Bank of Baroda home loan EMI for different loan amounts and tenure and then choose the loan amount based on your repayment capacity.

How accurate is a Bank of Baroda Housing Loan EMI calculator?

Online Bank of Baroda housing loan calculators use technology to calculate the results and hence, if the data entered by you is correct the results should be 100% accurate.The calculator works on a mathematical algorithm based on the formula: P*r* (1+r)^n/([(1+r)^n]-1). Here, P is the loan amount, r is the rate of interest per month and n is the tenure in month. The Bank of Baroda home loan emi calculator is far better than manual calculations , as chances of error are less.

How to pay your Bank of Baroda Home loan EMI Online?

To pay the EMI of Bank of Baroda home loan, you can log in to your net banking account as provided during the time of availing the loan and pay using your savings account or debit/credit card. You can also visit the branch and submit the cheque of your EMI.

How is Bank of Baroda home loan EMI calculated?

The Bank of Baroda Home loan EMI calculation formula is as follows:
E = [P x R x (1+R)^N]/[(1+R)^N-1] where
‘E’ means Equated monthly instalments
‘P’ means the principal amount
‘N’ is the number of monthly instalments
‘R’ is the interest rate per month.

What is the EMI for ₹ 10 Lakh home loan in Bank of Baroda?

You can use a 10 lakh home loan emi calculator Bank of Baroda, to determine different EMI for different tenures. Let`s understand with examples:-

Loan amount Interest rate Tenure EMI
₹ 10 Lakh 6.75% 10 years loan ₹ 11,482
₹ 10 Lakh 6.75% 15 years loan ₹ 8,849
₹ 10 Lakh 6.75% 20 years loan ₹ 7,604

What is the EMI for ₹ 20 Lakh home loan in Bank of Baroda?

You can use a 20 lakh home loan emi calculator Bank of Baroda, to determine different EMI for different tenures. Let`s understand with examples:-

Loan amount Interest rate Tenure EMI
₹ 20 Lakh 6.75% 10 years loan ₹ 22,965
₹ 20 Lakh 6.75% 15 years loan ₹ 17,698
₹ 20 Lakh 6.75% 20 years loan ₹ 15,207

What is the EMI for ₹ 30 Lakh home loan in Bank of Baroda?

You can use a 30 lakh home loan emi calculator Bank of Baroda, to determine different EMI for different tenures. Let`s understand with examples:-

Loan amount Interest rate Tenure EMI
₹ 30 Lakh 6.75% 10 years loan ₹ 34,447
₹ 30 Lakh 6.75% 15 years loan ₹ 26,547
₹ 30 Lakh 6.75% 20 years loan ₹ 22,811

What is the EMI for ₹ 50 Lakh home loan in Bank of Baroda?

You can use a 50 lakh home loan emi calculator Bank of Baroda, to determine different EMI for different tenures. Let`s understand with examples:-

Loan amount Interest rate Tenure EMI
₹ 50 Lakh 6.75% 10 years loan ₹ 57,412
₹ 50 Lakh 6.75% 15 years loan ₹ 44,245
₹ 50 Lakh 6.75% 20 years loan ₹ 38,018

What is the EMI for a 25 lakhs home loan in Bank of Baroda and how is it calculated?

EMI for ₹ 25 lakhs will be as follows for three different tenure, as per 25 lakh home loan emi calculator Bank of Baroda:--

Loan amount Interest rate Tenure EMI
₹ 25 Lakh 6.75% 10 years loan ₹ 28,706
₹ 25 Lakh 6.75% 15 years loan ₹ 22,123
₹ 25 Lakh 6.75% 20 years loan ₹ 19,009

What is the EMI for 12 lakhs home loan in Bank of Baroda?

A borrower will pay ₹ 12,181 if he/she takes a loan for 12 years at an interest rate of 6.75%. The 12 lakh home loan emi Bank of Baroda may vary across Bank of Baroda home loan interest rate.

Compare Home Loan EMI of All Banks


Bank of Baroda Home Loan Reviews 4.3/5  by 44 customers
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Raj kumar Sethi, Faridabad
Reviewed on 09th Jan 2020
4.5 / 5 stars
Bank of Baroda Home Loan Availed in Dec 2019

It was good. I could reach the bank giving loans through your website. Thanks.Read more...

Manish Kumar Gupta, Bangalore
Reviewed on 03rd Jan 2020
5 / 5 stars
Bank of Baroda Home Loan Availed in Dec 2019

Smooth process. Thankyou Balram for assistance. It was a great service.Read more...

Sandip Pramod, Pune
Reviewed on 30th Dec 2019
4 / 5 stars
Bank of Baroda Home Loan Availed in Dec 2019

Best service and very supportive staff. They try to approve the loan as soon as possible.Read more...

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Reviewed on 23rd Dec 2019
4 / 5 stars
Bank of Baroda Home Loan Availed in Dec 2019

Vrery good Amit sir and Raj sir helped me a lot in documentation and guided me on selecting a loan wRead more...

Sidharth Patnaik, Delhi
Reviewed on 10th Dec 2019
5 / 5 stars
Bank of Baroda Home Loan Availed in Dec 2019

Very good service by Harish Joshi and Amit. Bank of Baroda team was extremely efficient. Read more...

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Reviewed on 26th Nov 2019
5 / 5 stars
Bank of Baroda Home Loan Availed in Nov 2019

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Reviewed on 21st Nov 2019
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Bank of Baroda Home Loan Availed in Nov 2019

Process was done very swiftly and all the paperwork was done at doorstep only. Would love to come agRead more...

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Bank of Baroda Home Loan News - Jul 2021
  • 2021-07-16 : Amalgamation of Bank of Baroda, erstwhile Vijaya Bank and erstwhile Dena Bank
    Bank of Baroda, on its website, stated that the IFSC codes of the erstwhile Vijaya Bank and Dena Bank were discontinued on March 1, 2021. Customers have been asked to apply for cheque books with the new MICR code at the earliest.
  • 2021-06-01 : BOB reports net loss of Rs 1,046 cr in Q4
    Bank of Baroda reported a standalone net loss of Rs 1,046 crore for the March quarter (Q4FY21). It had posted a profit of Rs 506.6 crore in the same period last year (Q4FY20). The lender’s advances which includes retail loans home, LAP, personal, two wheeler, car education and doctor loan along business and mudra loan grew by 4.9% to Rs 6.4 trillion during the March quarter. Further domestic deposits which includes fixed and recurring deposits rose 6.2% to Rs 8.6 trillion.
  • 2021-05-19 : Bank of Baroda to hire digital marketing agencies to increase customer outreach
    Bank of Baroda is looking to hire three digital marketing agencies. The bank is aiming to visible digitally through means such as YouTube, influencer tie-ups, content syndications as well as new age media opportunities. The digital marketing firm will also be required to create content through campaigns, mobile-first based content, blog--articles, infographics, gifs and videos.
  • 2021-03-25 : Bank of Baroda reduced its home loan rates
    With effect from 15 March 2021, Bank of Baroda revised its home loan rates. The new home loan rates start at 6.75%.
  • 2021-03-17 : BOB to focus on new digital platform to expand retail lending
    Bank of Baroda is planning to expand its retail loans portfolio which include home, personal, LAP, gold, two-wheeler and car loans through a self made digital lending platform. The digital platform assesses credit risk through varied public and private data points like bank account statements, tax statements and consumption trends.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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