सार्वजनिक क्षेत्र का बैंक (PSU Bank)रक्षा कर्मी (सशस्त्र बल)स्वीकृति गति: Within 24 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

बड़ौदा योद्धा पर्सनल लोन

Subsidized loan for active military and paramilitary personnel under Baroda Military Salary Package up to ₹20 Lakhs.

ऋण राशि सीमा₹50,000 to ₹20,00,000

ब्याज दर (APR)10.90% - 12.50% p.a. (concessional defence pricing)

पुनर्भुगतान अवधि12 to 84 months

प्रोसेसिंग शुल्कNIL (completely waived for defence and paramilitary personnel)

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

उत्पाद का संक्षिप्त विवरण

Subsidized unsecured personal loan scheme by Bank of Baroda for active defence personnel of the Indian Army, Navy, Air Force, Coast Guard, and Paramilitary forces holding a Baroda Military Salary Package (BMSP) account.

प्रमुख लाभ एवं विशेषताएं

• Concessional interest rate margin for armed forces personnel • 100% waiver of processing and documentation fees • Extended repayment tenure up to 84 months • Zero prepayment penalties for pre-closure from own sources.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Active serving defence personnel of Indian Armed Forces and Paramilitary wings. Min Age: 21, Max Age: 56. Min CIBIL: 680.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty across all tenures.

📂आवश्यक दस्तावेज (Required Documents)

• Defence Identity Card copy • Last 3 months military pay slips (PAO / CDA slip) • Unit Authority Letter / DDO mandate • PAN and Aadhaar.

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

• Strictly restricted to active serving personnel holding BMSP status. Unit DDO salary deduction mandate is compulsory.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Log into bob World app > Yoddha Services > Personal Loan. Pre-approved limit displayed. Authenticate with OTP.

2. नए ग्राहक (ऑनलाइन):

1. Visit bankofbaroda.in/bmsp. Submit military service number and unit code for priority processing.

3. बैंक शाखा में जाकर:

1. Visit nearest BOB cantonment branch with Service ID Card, last 3 months pay slips, and Unit DDO mandate letter.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Which armed forces wings are covered?

Indian Army, Indian Navy, Indian Air Force, Coast Guard, CRPF, BSF, ITBP, CISF, SSB, and Assam Rifles.

Are Agniveers eligible?

Yes, Agniveers receive tailored personal loans mapped to their contract tenure.

Is any processing fee charged?

No, 100% waiver on processing and documentation charges.