सार्वजनिक क्षेत्र का बैंक (PSU Bank)पेंशनभोगी (वरिष्ठ नागरिक)स्वीकृति गति: 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

बड़ौदा पेंशनर लोन

Low-cost personal loan for Central/State Govt and Defence pensioners drawing pension through Bank of Baroda.

ऋण राशि सीमा₹25,000 to ₹8,00,000 (up to 18x monthly pension)

ब्याज दर (APR)11.15% - 12.80% p.a. (floating BRLLR-linked)

पुनर्भुगतान अवधि12 to 60 months (up to 75 years age)

प्रोसेसिंग शुल्कNIL for Defence pensioners; ₹500 + GST for civilian pensioners

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Special credit facility for Central/State Government pensioners, Defence pensioners, and Family pensioners receiving their monthly pension through Bank of Baroda branches.

प्रमुख लाभ एवं विशेषताएं

• Specially structured for senior citizens up to 75 years of age • Concessional floating rate tied to BRLLR • Automatic recovery via standing instruction on monthly pension credit • Zero processing charges for defence veterans.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Central and State Govt Pensioners, Armed Forces Pensioners, and Family Pensioners drawing pension via BOB. Age at loan completion: Max 75 years. Min CIBIL: 650.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty across all tenures.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN, Aadhaar of pensioner and spouse • Pension Documents: Original PPO Booklet, latest pension slip • Mandate: Standing instruction authorization form.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Mandatory Pension Mandate: Pension must be credited to a BOB savings account. • Spouse co-obligation / guarantee mandatory for family pension continuity. • Net pension after EMI must not fall below 40%.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Visit pension branch or apply via bob World app. Submit PPO details and execute spouse co-obligation.

2. नए ग्राहक (ऑनलाइन):

1. Submit inquiry on bankofbaroda.in > Pensioner Loan for branch contact.

3. बैंक शाखा में जाकर:

1. Visit BOB pension branch with PPO booklet, pension slip, and spouse KYC. Execute auto-debit authorization.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can family pensioners apply?

Yes, family pensioners are eligible up to ₹5 Lakhs or 12 times monthly pension.

What is the maximum age limit?

Up to 75 years of age at the time of loan maturity.

Are defence pensioners exempt from processing fees?

Yes, 100% processing fee waiver applies for defence veterans.