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: Eligibility, Benefits & How to Apply Online

About Bank of Baroda Personal Loan

Bank of Baroda (BOB) offers personal loans ranging from ₹50,000 to ₹10,00,000 to its account holders. The loan is designed for salaried professionals and self‑employed individuals seeking quick, unsecured financing for personal needs such as medical expenses, education, travel, or home renovation.

Eligibility Criteria

Key Features & Benefits

• Interest rate fixed at **9.99% p.a.**
• Flexible repayment tenure: **12 – 48 months**
• Processing fee: **1% of the sanctioned amount**
• Zero additional fee for existing BOB account holders when applying online
• 24 × 7 online application portal – apply anytime, anywhere
• Instant EMI calculator available on the portal

Required Documents

• Aadhaar Card (linked with mobile number)
• Passport (if applicable)
• Ration Card
• Permanent Residence Proof
• Bank passbook statements for the last 6 months
• Voter ID / Driving License

Online Application Process – Step by Step

1. Visit the official website: www.bankofbaroda.in
2. Click on the Login icon (top‑right) and sign in with your User ID & password or registered mobile number.
3. Select Personal Loan from the loan menu.
4. Choose the Pre‑approved Personal Loan option.
5. Click Proceed and enter your mobile number to receive an OTP.
6. Enter the OTP received on your phone.
7. Fill in the required personal and financial details on the application form.
8. Specify the desired loan amount and repayment tenure.
9. Click Proceed again, review the Terms & Conditions, and accept them.
10. Another OTP will be sent for final verification – enter it to complete the submission.
11. Upon approval, a confirmation message will be sent to your registered mobile number indicating that the loan amount will be transferred to your BOB account.

Offline Application Process

• Obtain the personal loan application form from any Bank of Baroda branch.
• Gather all required documents listed above.
• Submit the filled form and documents to the branch officer.
• Bank representative will contact you for verification and final approval.
• For queries, call the bank’s loan helpline: 9878981166.

Why Choose Bank of Baroda for a Personal Loan?

• Competitive interest rate of 9.99% p.a.
• Low processing fee (1%) compared to many competitors.
• No extra charges for existing BOB account holders applying online.
• Quick disbursal directly into your BOB account.
• Transparent terms and easy EMI calculation tools.

Official Links

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

FAQ

• What is the minimum loan amount? ₹50,000.
• What is the maximum loan amount? ₹10,00,000.
• Can I apply if I am self‑employed? Yes, self‑employed professionals are eligible.
• Is there any hidden fee for online applicants? No, existing BOB account holders face no additional fee.
• How long does the loan disbursal take? After approval, the amount is transferred to your BOB account immediately.
• What is the tenure range? 12 to 48 months.
• Do I need a separate bank account for the loan? No, the loan is credited to your existing Bank of Baroda account.
• What credit score is required? A minimum CIBIL score of 750.
• How can I calculate my EMI? Use the online EMI calculator available on the BOB loan portal.
• What should I do if I miss an EMI? Contact the bank’s loan helpline (9878981166) for assistance.

Conclusion

Bank of Baroda’s personal loan offers a straightforward, low‑cost financing solution for its account holders. With a competitive interest rate of 9.99% p.a., flexible tenure, minimal processing fee, and a completely digital application experience, eligible borrowers can secure funds quickly without visiting a branch. Ensure you meet the eligibility criteria, keep the required documents handy, and follow the online steps to enjoy a hassle‑free loan disbursal.

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