Bank of Baroda Loan Against Property EMI Calculator

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Lowest EMI on Bank of Baroda Loan Against Property - Rs. 0 per lakh

Last Updated 17th Oct 16

Loan Tenure
Loan Amount (Rs.) 7 years 10 years years
2,500,000 Rs. 0 Rs. 0 Rs. 0
5,000,000 Rs. 0 Rs. 0 Rs. 0
7,500,000 Rs. 0 Rs. 0 Rs. 0
10,000,000 Rs. 0 Rs. 0 Rs. 0

Check Bank of Baroda Loan Against Property EMI for a loan amount and tenure

Bank of Baroda Loan Against Property EMI Calculator
  • Loan Against Property EMI (or equated monthly instalment) is a fixed amount of money you pay Bank of Baroda towards repayment of your property loan every month on a fixed day of the month till your loan is fully paid back.
  • With Bank of Baroda now offering loan tenure upto 18 years at attractive interest rates starting is 0%, your EMI can be as low as Rs. 0 per Rs. one lakh loan amount.
  • The Loan Against Property EMI comprises of both principal repayment and interest payment. While the EMI amount remains constant, the interest component of keeps reducing and the principal component keeps increasing, except in case of an increase in interest rate on the loan.
Use the above quick and easy tool to easily calculate and compare monthly EMI on Bank of Baroda Loan Against Property.

Will the Bank of Baroda Loan Against Property EMI remain constant or change in future? What happens in case of increase or decrease in interest rate?

  • Typically, the Loan Against Property EMI remains unchanged unless the customer requests for a change and the same is approved by Bank of Baroda subject to its eligibility conditions (note that nominal charges may apply for effecting a customer initiated change in EMI).
  • In case the floating rate of interest on your loan increases, Bank of Baroda will typically keep the EMI constant but increase the loan tenure. So, you will pay the same EMI but for a longer duration. In case the interest rates increase to an extent that the revised loan tenure is more than the maximum permissible by Bank of Baroda, the bank may increase your EMI amount.

Will Loan Against Property EMI change in case of prepayment?

  • When you make a prepayment, the outstanding principal amount on your property loan reduces. You may choose to either keep the EMI the same and reduce the loan tenure (enabling you pay off the loan faster) or reduce the EMI and keep the loan tenure unchanged (thus paying lesser amount every month). It is beneficial to keep the EMI constant and reduce the loan tenure as you pay less interest to the bank in this option.
  • Note that Bank of Baroda may levy prepayment charges except on floating rate property loans sanctioned to individuals.

How does Loan Against Property EMI calculator calculate Loan Against Property EMI?

  • EMI is calculated using a combination of loan amount, loan tenure and interest rate.
  • EMI is calculated on a reducing balance basis and assuming payment of EMI in arrears (that is interest is charged for the month preceding the date of EMI payment on EMI date) and not in advance.
*My Finance Care Advisors Pvt. Ltd., or is a bank neutral multi bank platform that helps borrowers and bank customers compare loans and deposits of all banks in India at one place. Information carried at this website is based on perusal of public sources and should not be construed as an offer or solicitation or invitation to borrow or lend. The Company does not assure as to the correctness of information carried at the website. Lenders/ banks/ other parties may contact us at to provide corrections or updates. We may act as and/ or be associated with channel partners of banks and other sellers of financial products.
Loan Against Property @ 10.60%* Cashback Upto Rs. 5,000

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Bank of Baroda Loan Against Property EMI Calculator News - Oct 2016
25th Aug 16 Bank of Baroda total business takes Rs 90,000-cr hit in FY16
Bank of Baroda total business has reduced by Rs. 90,000 crore in FY16 due to shrinking loan portfolio and deposit base. Bank has seen a drop of 10.3 percent in credit growth and 7 percent in deposits. Total business of the bank declined to Rs 957,808 crore at the end of March 2016 against Rs. 1,045,625 crore a year ago. Total deposits of the bank reduced to Rs 574,038 crore in FY16 from Rs 617,560 crore in the previous fiscal while advances slipped to Rs 383,770 crore in FY16 against Rs. 428,065 crore a year ago.
27th Jul 16 Bank of Baroda partners with 7 Fintech companies
On its 109th Foundation Day, Bank of Baroda has taken an initiative to partner with fintech companies operating across different areas of SME Financing, Algorithmic Lending, Bill Discounting, Retail Lending and Wealth Management,. With this partnership the Bank would be able to launch new products, acquire new customers, and serve the existing customers on MUCH . Bank of Baroda has partnered with sevenFintech companies which will help the bank expanding our business faster and reach out and support the customers in a better way.
25th Jul 16 Bank of Baroda partners with CreditMantri for lending to first-time borrowers, SMEs
Bank of Baroda has partnered with Creditmantri , Chennai based fintech startup to process loan applications for first time credit seekers as well for those who do not have a credit score. With this partnership Bank of Baroda can also lend to SMEs on a real time basis. This will enable the bank to offer low ticket credit products to even first time borrowers and expand into newer segments without the need for large scale investments. It will also help the bank reduce credit processing turnaround times by cutting down on need for expensive physical verification processes and expand into new, digitally aware consumer segments where existing credit bureau data is limited.
22nd Jul 16 Bank of Baroda to expedite loan sanction process
Bank of Baroda has worked on the strategy to reduce the time taken for the approval and disbursement of home and auto loans. Bank of Baroda General Manager P Narasimha Rao said that the bank t has initiated efforts to reduce the turnaround time of home loan approvals to six days, through several digitalization measures. Bank is working on transforming the sanction of six days home loan to an hour and three days auto loan to minutes