Buying a new house comes with a checklist of extra expenses—insurance premiums, stamp duty, registration fees, GST, even that must-have club membership. The Baroda Home Suvidha Personal Loan wraps all those “hidden” costs into one convenient, low-hassle funding line exclusively for existing and new Bank of Baroda home-loan customers.
Skip the scramble for separate payments: borrow just what you need, enjoy quick approval, and settle every peripheral charge in a single stroke—so you can focus on moving in, not juggling invoices.
Bank of Baroda Home Suvidha Personal Loan Highlights
Here’s a quick overview of the key features—interest rates, loan amounts, and fees—so you can decide if the home loan is the right choice for you.
| Aspects | Highlights |
|---|---|
| Interest Rate | Contact the Bank |
| Loan Tenure | Fresh/Takeover Loans: Repayment tenure equals the standard term of the linked home loan. Existing Loans: Tenure capped at the remaining repayment period of your current home loan. |
| Loan Amount | 75% – 100% of the Loan Amount |
| Processing Fees | ₹8,500 – ₹25,000 |
Suggested Read: Bank of Baroda Home Loan Repo Rate Cut
Bank of Baroda Home Suvidha Personal Loan Interest Rates
Check out the interest rates for home loan in 2025 to get an idea of your potential EMI and costs.
| Repo Rate + Spread | Effective Rate of Interest |
|---|---|
| Applicable ROI on Home Loan including Risk premium (if applicable) (based on current BRLLR) + Strategic Premium + 0.50 % | Contact the Bank |
Check Out: Bank of Baroda Interest Rate Calculator
Bank of Baroda Home Suvidha Personal Loan Eligibility Criteria
Find out the basic eligibility requirements, such as age, income, and existing home loan status, before applying for a home loan.
| Borrower Type | Details |
|---|---|
| Prospective borrowers for Baroda Home Loans (including take-over) | New applicants and those seeking to transfer an existing home loan to BoB |
| Existing borrowers under Baroda Home Loan Scheme | Customers who already hold an active Baroda home loan |
Additional Requirement
Category A
- Group Credit Life Insurance premium (tie-up insurers, e.g. IndiaFirst Life)
- Group Credit Health Insurance premium (e.g. Max Bupa, Tata AIG)
- Property insurance premium (e.g. Tata AIG, Cholamandalam MS, National Insurance)
Category B
- Stamp duty and registration charges on residential-property purchase
- Goods and Services Tax (GST), if applicable
- Club-membership charges at time of home purchase
Reimbursement must be claimed within 12 months of payment and exclusively for the above end-uses.
Suggested Read: Bank of Baroda Home Loan Interest Rates 2025
Bank of Baroda Home Suvidha Personal Loan Terms and Conditions
- Repayments begin via EMI from the month immediately following disbursement—no moratorium is available.
- The personal loan’s term aligns with your home loan; closing the home loan automatically ends the Baroda Home Suvidha loan.
Suggested Read: Bank of Baroda Home Loan Customer Care
Bank of Baroda Home Suvidha Personal Loan Processing Fee
Understand the processing fees involved so you can factor them into your overall cost when opting for a home loan.
| Loan Amount | Processing Fee |
|---|---|
| Up to ₹50 Lakh | Minimum: ₹8,500 Maximum: ₹15,000 |
| Above ₹50 Lakh | Minimum: ₹8,500 Maximum: ₹25,000 |
Suggested Read: Things to Consider Before Moving into a New Home
Bank of Baroda Home Suvidha Personal Loan Other Fees and Charges
Be aware of any extra charges, such as prepayment penalties or overdue fees, that may apply to your home loan.
| Charge Type | Amount |
|---|---|
| Takeover of Home Loan | – Loans up to ₹20 lakh: 0.35% of the loan amount – Loans above ₹20 lakh: 0.40% of the loan amount – Maximum: ₹15,000 (Service tax applicable separately) |
| Prepayment Charges | Nil for all home loans |
| Inspection Charges | – First Post-Inspection: No charge – Second & Onwards: ₹100 + out-of-pocket and conveyance charges (per inspection) + GST |
| Legal Reports / Valuation Charges | Actual charges as per legal and valuation fees incurred |
| Conversion Charges (Fixed to Floating) | – One-time process – 0.50% per year of the residual loan period (maximum 2% of outstanding loan) + GST – Premature Closure Fee: 0.5% of balance outstanding per year (maximum 3%) |
| Conversion Charges (Floating to Fixed) | Not Available |
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Bank of Baroda Home Suvidha Personal Loan Documents Required
Ensure you have all the necessary documents ready, from identity proof to income statements, to make the home loan application process smooth.
General Documents
| Document Category | Details / Notes |
|---|---|
| Application Form & Photos | Duly filled and signed application form + 3 photographs |
| Proof of Identity | PAN Card (mandatory for loan amounts above ₹ 10 lakh) |
| Alternate ID Proofs | Any one: Driver’s Licence / Voter ID / Passport / Aadhaar Card |
| Proof of Residence | Any one: Driver’s Licence, Ration Card, Voter ID, Passport, Aadhaar Card, or Registered Rent Agreement |
| Previous Loan Evidence | Last 1-year loan a/c statement and sanction letter. (If the loan is from BoB, also provide Account No. & Cust ID) |
| Proof of Assets | Documents for LIC, NSC, KVP, Mutual Funds, Property, etc. |
| Assets & Liabilities Statement | Comprehensive current statement |
| ITR Verification Report | Latest Income-Tax-Return verification report |
Income Proof for Salaried
| Salaried Individuals – Required Income Documents |
|---|
| Latest 3 salary slips (plus 1 slip for each guarantor, if any) |
| Form 16 + ITR (past 1 year) |
| Employee ID card copy |
| Appointment / promotion / increment letter |
| 6-month salary-account statement(or simply BoB A/c No. if already banking with BoB) |
Income Proof for Self Employed
| Self-Employed / Professionals – Required Income Documents |
|---|
| Balance Sheet, Profit & Loss A/c, and income computation (last 2 years) |
| ITR + Form 26AS (last 2 years) |
| Business proof – Gumasta licence, registration certificate, GST/Service-Tax, etc. |
| Tax assessment / clearance orders, challans, TDS certificates (Form 16A) |
| Additional if Partnership / Pvt Ltd: |
| • Firm’s PAN & address proof |
| • MoA & AoA |
| • Audited results + ITR (last 2 years) |
| • Current A/c statement (last 1 year) |
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How to Apply for Bank of Baroda Home Suvidha Personal Loan?
The application process is easy—simply fill in your details, upload the required documents, and get started on your loan.
Time needed: 5 minutes
- Visit the official Bank of Baroda website.
- Go to the Home Loans section and select “Bank of Baroda Home Suvidha Personal Loan.” Click “Apply.”
- Fill Out Personal Details
a. Enter your Full Name and Email ID in the provided fields.
b. Select your Preferred Branch, including State, City, and Address. - Upload Documents
Upload scanned copies of your KYC documents, income proofs, and property documents.
- Submit Application
a. Agree to the terms and conditions by ticking the box.
b. Click on ‘Submit’ to finalize your application.
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Compare Top Banks Home Loan Interest Rates 2025
Explore home loan top-up offers from different banks to find the best deal that fits your needs.
| Bank | Up to Rs. 30 Lakh | Above Rs. 30 Lakh to Rs. 75 Lakh | Above Rs. 75 Lakh |
|---|---|---|---|
| SBI Bank | 8.50% p.a. onwards | 8.5% p.a. onwards | 8.50% p.a. onwards |
| HDFC Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| LIC Bank | 8.50% – 10.35% p.a. | 8.50% – 10.55% p.a. | 8.50% – 10.75% p.a. |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Kotak Mahindra Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
| Punjab National Bank | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. | 8.50% – 11.05% p.a. |
| Bank Of Baroda | 8.40% – 10.65% p.a. | 8.40% – 10.65% p.a. | 8.40% – 10.90% p.a. |
| Bajaj Housing Finance | 8.50% p.a. onwards | 8.50% p.a. onwards | 8.50% p.a. onwards |
| Axis Bank | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. | 8.75%-10.30% p.a. |
| Bank of India | 8.40% p.a onwards | 8.40% p.a onwards | 8.40% p.a onwards |
| TATA Capital | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards |
Conclusion
Credit Dharma is your trusted partner for securing the best Home Loan offers, with over ₹500 Cr+ loans handled and partnerships with 20+ leading banks. We provide exclusive access to the lowest interest rates and a seamless, digital process with fast approvals in just 1-2 weeks, backed by lifetime support from our home loan experts.
Why choose Credit Dharma? We provide:
- Lowest Interest Rates: Save more with every EMI.
- Maximum Funding: Get up to 100% funding for your dream home.
- Simple & Digital Process: No tedious paperwork or branch visits.
- Expert Guidance: Lifetime support from our team of specialists.
Compare, choose, and secure the best Home Loan offer with Credit Dharma — your home loan journey starts here!
Frequently Asked Questions
It’s a top-up facility exclusively for Baroda home-loan customers to fund extra home-buying costs—stamp duty, registration, GST, insurance premiums, club fees, and more—in one neat package.
Any existing or fresh Baroda home-loan borrower (including take-overs) with a standard asset classification—Resident Indians, NRIs/PIOs/OCIs, staff, and ex-staff members are all eligible.
You can finance 100 % of Category A costs and up to 75 % of Category B expenses, within your overall top-up limit linked to your outstanding home loan.
EMIs start the very next month—no moratorium—and the personal-loan term is co-terminus with your home loan, so closing the home loan ends the Suvidha loan automatically.
Log in to Bank of Baroda’s site, select the Home Suvidha Personal Loan under Home Loans, upload your KYC and income documents, agree to T&Cs, and hit “Submit”—it takes under five minutes.
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