सार्वजनिक क्षेत्र का बैंक (PSU Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

बड़ौदा पर्सनल लोन (वेतनभोगी)

Bank of Baroda personal loan for salaried professionals up to ₹20 Lakhs with tenure up to 84 months.

ऋण राशि सीमा₹50,000 to ₹20,00,000 (up to 30x Net Monthly Salary)

ब्याज दर (APR)11.05% - 15.60% p.a. (floating BRLLR-linked)

पुनर्भुगतान अवधि12 to 84 months (longest PSU tenure)

प्रोसेसिंग शुल्क1.00% to 2.00% of loan amount + GST (Min ₹1,000, Max ₹10,000 + GST)

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

उत्पाद का संक्षिप्त विवरण

Flagship unsecured personal loan by Bank of Baroda for confirmed employees of Central/State Govt, PSUs, public limited companies, and MNCs, offering one of the longest repayment tenures in the banking sector up to 7 years (84 months).

प्रमुख लाभ एवं विशेषताएं

• Industry-leading repayment tenure up to 84 months for ultra-low monthly EMIs • High loan quantum up to ₹20 Lakhs without any security or collateral • Direct integration with bob World mobile app for digital tracking • Zero prepayment penalties when repaid from own salary funds.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Confirmed permanent employees of Govt, PSUs, Reputed Corporates with salary account in BOB or other commercial bank. Min Age: 21, Max Age: 60. Min Net Salary: ₹25,000 (Metro) / ₹15,000 (Others). Min CIBIL: 701.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty if closed from own verified personal funds; 2% for takeover.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address: PAN Card, Aadhaar Card, Passport • Employment Proof: Employee ID card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 (Part A & B) • Banking: Last 6 months bank statement with salary credits.

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

• Minimum continuous employment vintage of at least 1 year in current job and 2 years total. • Processing fee non-refundable even if loan is cancelled post-sanction. • Broken period interest calculated on daily diminishing balance between disbursement and 1st EMI cycle.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open bob World mobile app > Loans > Personal Loan. 2. Verify salary account and check pre-approved limit. 3. Complete OTP verification for instant approval.

2. नए ग्राहक (ऑनलाइन):

1. Visit bankofbaroda.in > Personal Loans > Baroda Personal Loan. 2. Submit online application, upload 3 months payslips, and consent to Account Aggregator. 3. Sanction letter issued digitally.

3. बैंक शाखा में जाकर:

1. Visit nearest Bank of Baroda branch. 2. Submit Application Form with 3 months salary slips, Form 16, and 6 months bank statement. 3. Sign standing instruction mandate for auto-debit.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can I get an 84-month tenure for personal loan?

Yes, Bank of Baroda is one of the few PSU banks offering up to 84 months (7 years) tenure for salaried applicants.

What is the minimum credit score required?

A minimum CIBIL score of 701 is mandatory for standard pricing slabs.

Are non-BOB salary account holders eligible?

Yes, employees banking elsewhere can apply, subject to salary verification and e-NACH registration.