Bank of Baroda Home Loan EMI Calculator — FY 2026-27
Calculate monthly EMI for a Bank of Baroda Home Loan at the current BoB card rate. BoB is a Public Sector Bank with EBLR-linked floating rates. Rate pre-fill tracks BoB card rate as of 16 April 2026.
Starting rate: 8.4% p.a.Last updated: Editorial
Loan inputs
- Monthly EMI
- ₹43,075
- Principal
- ₹50.00 L
- Total Interest
- ₹53.38 L
- Total Payment
- ₹1.03 Cr
Principal vs Interest
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Year 1 | ₹5,16,903 | ₹1,00,722 | ₹4,16,181 | ₹48,99,278 |
| Year 2 | ₹5,16,903 | ₹1,09,516 | ₹4,07,387 | ₹47,89,762 |
| Year 3 | ₹5,16,903 | ₹1,19,078 | ₹3,97,825 | ₹46,70,684 |
| Year 4 | ₹5,16,903 | ₹1,29,475 | ₹3,87,428 | ₹45,41,210 |
| Year 5 | ₹5,16,903 | ₹1,40,779 | ₹3,76,124 | ₹44,00,430 |
| Year 6 | ₹5,16,903 | ₹1,53,071 | ₹3,63,832 | ₹42,47,360 |
| Year 7 | ₹5,16,903 | ₹1,66,435 | ₹3,50,467 | ₹40,80,924 |
| Year 8 | ₹5,16,903 | ₹1,80,967 | ₹3,35,936 | ₹38,99,957 |
| Year 9 | ₹5,16,903 | ₹1,96,767 | ₹3,20,135 | ₹37,03,190 |
| Year 10 | ₹5,16,903 | ₹2,13,947 | ₹3,02,955 | ₹34,89,243 |
| Year 11 | ₹5,16,903 | ₹2,32,627 | ₹2,84,276 | ₹32,56,616 |
| Year 12 | ₹5,16,903 | ₹2,52,938 | ₹2,63,965 | ₹30,03,678 |
| Year 13 | ₹5,16,903 | ₹2,75,022 | ₹2,41,881 | ₹27,28,656 |
| Year 14 | ₹5,16,903 | ₹2,99,034 | ₹2,17,868 | ₹24,29,621 |
| Year 15 | ₹5,16,903 | ₹3,25,143 | ₹1,91,759 | ₹21,04,478 |
| Year 16 | ₹5,16,903 | ₹3,53,532 | ₹1,63,371 | ₹17,50,946 |
| Year 17 | ₹5,16,903 | ₹3,84,399 | ₹1,32,504 | ₹13,66,547 |
| Year 18 | ₹5,16,903 | ₹4,17,961 | ₹98,942 | ₹9,48,586 |
| Year 19 | ₹5,16,903 | ₹4,54,454 | ₹62,449 | ₹4,94,132 |
| Year 20 | ₹5,16,903 | ₹4,94,132 | ₹22,771 | ₹-0 |
About this Bank of Baroda EMI Calculator
This Bank of Baroda EMI Calculator computes the monthly EMI, total interest, and full amortization schedule for a Bank of Baroda home loan at the current rate card (starting 8.4% p.a. for eligible borrowers). It uses the same reducing-balance formula that Bank of Baroda’s official per-lakh EMI table publishes, so the output matches your sanction letter to the rupee.
For the generic EMI math that underlies every bank’s calculator, see the general EMI Calculator. For a full lifetime-cost model, use the Home Loan Total Cost Calculator.
Bank of Baroda Home Loan EMI Calculator — FAQ
What is the current Bank of Baroda home loan interest rate?
BoB home loan rates are EBLR-linked (RBI Repo + spread). For salaried applicants with CIBIL 750+, starting rates are around 8.40% p.a. (FY 2026-27 — confirm on bankofbaroda.in).
Does BoB offer home loans for NRIs?
Yes. BoB offers home loans to NRIs for purchase or construction of residential property in India, up to 20 years tenure. Rates typically 25-50 bps higher than resident rates. NRE / NRO account required for repayment.
What is the LTV cap on BoB home loans?
Per RBI norms: 90% for loans up to ₹30 L, 80% for ₹30-75 L, 75% above ₹75 L. BoB additionally caps loan-to-income at 60-70% of net monthly income depending on other obligations.
Can I transfer my existing home loan to BoB?
Yes, BoB runs a home loan balance transfer product with a top-up option. Use the Home Loan Balance Transfer calculator to check if switching makes sense — the break-even is usually 18-30 months depending on rate differential.
Other bank EMI calculators
SBI Home Loan EMI
Starting 8.5% p.a. · ₹50L default
HDFC Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
ICICI Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
Axis Bank Home Loan EMI
Starting 8.75% p.a. · ₹50L default
SBI Personal Loan EMI
Starting 11.5% p.a. · ₹5L default
HDFC Bank Personal Loan EMI
Starting 10.85% p.a. · ₹5L default
SBI Car Loan EMI
Starting 9.2% p.a. · ₹8L default
Kotak Mahindra Bank Home Loan EMI
Starting 8.65% p.a. · ₹50L default