बैंक ऑफ़ बड़ोदा दे रहा है आधार कार्ड पर ₹50000 से ₹100000 तक का लोन, ऐसे करें अप्लाई | BOB Personal Loan

Bank of Baroda Personal Loan – Complete Guide 2026

About the Loan

Bank of Baroda (BOB) offers unsecured personal loans to its account holders as well as to salaried and professional individuals. The loan amount can be used for any personal purpose such as medical expenses, education, wedding, or debt consolidation. The entire process can be completed online without visiting a branch, making it a convenient option for borrowers.

Eligibility Criteria

Key Benefits

• 24 × 7 online application – apply anytime from the comfort of your home.
• Instant EMI calculator to estimate repayment.
• No additional processing fee for existing BOB account holders.
• Quick disbursal directly to the borrower’s bank account.

Loan Features

Required Documents

• Aadhaar card (linked with the BOB account)
• Passport size photograph
• Ration card or any residence proof
• Permanent residence certificate
• Bank passbook statements for the last 6 months
• Voter ID / Driving licence (optional)

How to Apply Online

1. Visit the official website: www.bankofbaroda.in.
2. Click on the “Login” icon (top‑right) and enter your User ID & password or registered mobile number.
3. Select “Personal Loan” from the menu.
4. Choose “Pre‑approved Personal Loan” and click Proceed.
5. Enter your mobile number to receive an OTP and verify it.
6. Fill in the required personal and financial details.
7. Enter the desired loan amount and repayment tenure.
8. Accept the terms & conditions and verify the final OTP.
9. Upon successful verification, the sanctioned amount will be transferred to your linked BOB account.

Offline Application Process

1. Collect the personal loan application form from the nearest BOB branch.
2. Gather all required documents (listed above).
3. Submit the filled form and documents to the branch officer.
4. The bank will process the request and contact you for approval.
5. For assistance, call the bank’s helpline: 9878981166.

Official Links

• Bank of Baroda Official Website: https://www.bankofbaroda.in
• Helpline: 9878981166

Related Resources

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Frequently Asked Questions

• What is the minimum credit score required? A CIBIL score of 750 or higher.
• Can I apply without a BOB account? The loan is primarily for existing BOB account holders; non‑customers must open an account first.
• Is there any hidden charge for account holders? No. Existing BOB customers are exempted from additional processing fees.
• How long does the disbursal take? After approval, the amount is transferred directly to the linked account, usually within a few hours.
• Can I prepay the loan? Yes, pre‑payment is allowed; check the bank’s pre‑payment penalty policy.
• What is the maximum tenure? Up to 48 months.
• Is the loan secured or unsecured? It is an unsecured personal loan.
• Do I need to submit physical documents offline? For online applications, scanned copies are sufficient; offline applicants must submit originals.

Conclusion

Bank of Baroda’s personal loan combines a competitive interest rate of 9.99 % p.a., flexible repayment tenures, and a simple online application process. With clear eligibility criteria and minimal documentation, it serves as a quick financing solution for salaried and professional borrowers across India. Follow the step‑by‑step guide above to apply confidently and enjoy the convenience of instant loan disbursal.