बैंक ऑफ़ बड़ोदा दे रहा है आधार कार्ड पर ₹50,000 से ₹100000 तक का लोन, ऐसे करें अप्लाई | BOB Personal Loan

Bank of Baroda Personal Loan – Eligibility, Interest Rate, Fees & How to Apply

About Bank of Baroda Personal Loan

Bank of Baroda (BOB) offers personal loans ranging from ₹50,000 to ₹1,000,000 for salaried employees, self‑employed professionals and other eligible individuals. The loan can be availed online or offline, providing flexibility in tenure (12‑48 months) and competitive interest rates.

Eligibility Criteria

Loan Details

Required Documents

• Aadhaar Card
• Mobile number linked with bank account
• Bank passbook statement (last 6 months)
• Passport (if applicable)
• Ration Card
• Voter ID
• Driving License
• Permanent Residence Proof

How to Apply Online

1. Visit the official website: www.bankofbaroda.in.
2. Click on the “Login” button (top‑right) and enter your User ID & password or registered mobile number.
3. Select “Personal Loan” from the loan options.
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. Specify the desired loan amount and repayment tenure.
8. Accept the terms and conditions and verify the second OTP.
9. Upon successful verification, you will receive a confirmation message that the loan amount will be transferred to your BOB account.

How to Apply Offline

1. Obtain the personal loan application form from any BOB branch.
2. Collect information about the various loan schemes offered.
3. Submit the filled form along with the required documents to the branch representative.
4. The bank will process the application and communicate the approval status.
5. For further assistance, call the BOB loan helpline: 9878981166.

Why Choose Bank of Baroda Personal Loan?

• 24 × 7 online application – apply anytime, anywhere.
• EMI calculator available online for easy repayment planning.
• No additional processing fee for existing BOB account holders when applying online.
• Quick disbursal directly to your BOB account.

Official Links

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

FAQs

• What is the minimum age to apply for a BOB personal loan? You must be at least 18 years old; some schemes require a minimum of 21 years.
• Is a BOB account mandatory? Yes, the loan is offered only to existing Bank of Baroda account holders.
• What CIBIL score is required? A score of 750 or higher.
• How much can I borrow? Between ₹50,000 and ₹1,000,000.
• What is the processing fee? 1 % of the sanctioned loan amount.
• Can I apply without visiting the branch? Yes, the entire process can be completed online.
• What documents are needed for a self‑employed applicant? Same as listed above – Aadhaar, bank statements, address proof, etc.
• How long is the repayment tenure? Between 12 and 48 months.
• Is there any fee for online applications for BOB account holders? No additional fee is charged for online applications.
• Whom can I contact for more information? Call 9878981166 for direct assistance.

Conclusion

Bank of Baroda’s personal loan combines a reasonable interest rate of 9.99 % per annum with flexible tenure options and a straightforward application process. Whether you prefer the convenience of online submission or the traditional offline route, the loan is accessible to salaried and self‑employed individuals who meet the basic eligibility criteria. By ensuring you have the required documents and a healthy CIBIL score, you can secure the funds you need quickly and start repaying with manageable EMIs.

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