Bank of Baroda recognises the relentless sacrifices of defence families. That’s why the Baroda Yoddha home loan scheme goes beyond a mere loan ticket. Enjoy preferential rates, low processing fees, and flexible tenures—so you can secure a home base for your family as confidently as you secure the nation.
Bank of Baroda Yoddha Home 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 Rates | 8.65% p.a. |
| Maximum Loan Amount | Mumbai: ₹ 20 crore Tier-I Metros (Hyderabad, New Delhi, Bengaluru): ₹ 7.5 crore Other Metros: ₹ 5 crore Chandigarh, Panchkula & Mohali: ₹ 5 crore Urban Areas: ₹ 3 crore Semi-urban & Rural: ₹ 1 crore |
| Loan Tenure | Up to 30 Years |
| Processing Fees | NIL |
Check Out: Bank of Baroda Interest Rate Calculator
Bank of Baroda Yoddha Home Loan Interest Rates 2025
Check out the interest rates for home loan in 2025 to get an idea of your potential EMI and costs.
| CIBIL Score | Spread over BRLLR |
|---|---|
| 701 and above | BRLLR |
| Less than 701 | BRLLR + 1.35 % |
| (–1) (No score) | BRLLR |
BRLLR is 8.65% p.a.
Suggested Read: Bank of Baroda Home Loan Interest Rates 2025
Bank of Baroda Yoddha Home Loan Eligibility Criteria
Find out the basic eligibility requirements, such as age, income, and existing home loan status, before applying for a home loan.
| Criteria | Details |
|---|---|
| Eligible Applicants | – Indian Armed Forces: Army, Navy, Air Force, Coast Guard- Indian Central Forces: Assam Rifles, BSF, ITBP, SSB, CISF, CRPF |
| Co-applicant Provision | Close relatives (as per Baroda Home Loan rules) may be added to boost loan eligibility. |
| Employment / Business Tenure | Income-considered applicant / co-applicant must have:- Salaried: ≥ 1 year in service- Non-salaried (business / profession): ≥ 2 years in practice |
| Retired Personnel | Pensioners who are also gainfully employed or in business for ≥ 1 year (salaried) or ≥ 2 years (non-salaried) are eligible. |
| Age Limits | – Minimum: 21 yrs (applicant) |
Suggested Read: Bank of Baroda Home Loan Account Login
Bank of Baroda Yoddha Home Loan Processing Fees
Understand the processing fees involved so you can factor them into your overall cost when opting for a home loan.
| Effective Period | Processing Fee | Additional Notes |
|---|---|---|
| From 01-01-2023 onward | NIL | Upfront recovery of out-of-pocket expenses ₹8,500 + GST per property; this fee is non-refundable |
Suggested Read: Bank of Baroda Home Loan Customer Care
Bank of Baroda Yoddha Home 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 |
Suggested Read: Bank of Baroda Home Loan Repo Rate Cut
Bank of Baroda Yoddha Home 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 |
Suggested Read: Home Loan Documents – NRI vs. Indians
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) |
Suggested Read: Home Loan without Property Documents
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) |
Suggested Read: What to Do If You Lose the Property Documents?
Additional Document – Employment Certificate (Armed Forces Applicants)
- Must be issued and signed by the Commanding Officer / Officer Commanding (competent authority).
- Details to include:
- Applicant’s name and rank
- Unit name
- Service number and ID card number
- Photograph and signature of the applicant
- Clear statement of the purpose for which the certificate is issued
- Certificate must bear the official signature and stamp of the issuing authority.
How to Apply for Bank of Baroda Yoddha Home 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 “Baroda Yoddha Home Loans.” 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.
Suggested Read: Bank of Baroda Home Loan Application Status
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
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Frequently Asked Questions
Absolutely. Several banks run defence-focused products (e.g., Bank of Baroda “Yoddha,” SBI “Shaurya,” PNB “Pride”), bundling lower spreads over MCLR/RLLR, zero processing fees, and relaxed documentation for field postings.
Not at all. Banks treat transfers as part of the job. Your Service Certificate—signed by your Commanding Officer—acts as a long-term employment proof. Just keep your salary account statements handy; the branch doesn’t mind the change of city.
Yes. Close relatives (spouse, parents, earning children) can be co-applicants. Their income gets clubbed with yours, nudging up the sanction limit—helpful if you’re aiming for a larger property in a metro.
Employment Certificate (name, rank, unit, service no.) signed by CO/OC
Latest pay slip (to capture allowances)
Service Identity Card copy
The rest—PAN, Aadhaar, photos, bank statements—mirror civilian requirements.
Most banks let you complete KYC and e-sign loan documents online. A Power of Attorney (often your spouse) can handle disbursement formalities in your absence. The branch’s defence-desk officer can walk you through remote execution so your house hunt isn’t stalled by duty calls.
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