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

About Bank of Baroda Personal Loan

The Bank of Baroda (BOB) offers unsecured personal loans ranging from ₹50,000 to ₹10,00,000. These loans are designed for salaried employees and self‑employed professionals, providing flexible repayment periods of 12 to 48 months at an interest rate of 9.99% per annum.

Eligibility Criteria

Key Benefits

• 24 × 7 online application – apply anytime from the comfort of your home.
• Instant EMI calculator helps you plan repayments.
• No processing fee for existing BOB account holders when applying online.
• Quick fund transfer to your linked BOB account after approval.

Required Documents

• Identity proof (Aadhaar, Voter ID, Driving License)
• Address proof (Passport, Ration Card, Permanent Residence Certificate)
• Last 6 months of bank passbook or statement
• Proof of income (salary slip or income certificate for self‑employed)

Online Application Process

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 loan amount and preferred 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 sanctioned amount will be transferred to your BOB account.

Offline Application Process

1. Obtain a personal loan application form from the nearest BOB branch.
2. Gather all required documents listed above.
3. Submit the completed form and documents to the branch officer.
4. The bank will review your application and communicate the decision, usually within a short period.
5. For further assistance, call the bank’s loan helpline at 9878981166.

Processing Fee

The processing fee is 1% of the sanctioned loan amount.

Official Links

• Bank of Baroda Official Website

Related Resources

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• Answer Keys
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Frequently Asked Questions

• What is the minimum loan amount? ₹50,000.
• What is the maximum loan amount? ₹10,00,000.
• How long does the repayment tenure last? Between 12 and 48 months.
• Is there any processing fee? Yes, 1% of the sanctioned amount.
• Can I apply without a Bank of Baroda account? No, an existing BOB account linked to your mobile number is mandatory.
• What CIBIL score is required? A score of 750 or higher.
• Are there any charges for online applications? No additional charges for existing BOB account holders.
• How is the loan amount disbursed? Directly into the applicant’s Bank of Baroda account after approval.
• What income proof is needed? Minimum monthly income of ₹25,000, supported by salary slip or income certificate.
• Who can contact the loan helpline? Any applicant seeking clarification can call 9878981166.

Conclusion

Bank of Baroda’s personal loan offers a competitive interest rate, flexible repayment options, and a streamlined online application process for existing account holders. By meeting the clear eligibility criteria—age, income, CIBIL score, and documentation—applicants can quickly secure funds ranging from ₹50,000 to ₹10,00,000 without visiting a branch. Use the step‑by‑step guide above to apply online or offline and enjoy the convenience of instant fund transfer.