🇮🇳 India

Bank of Baroda

Uttar Pradesh 1180+ branches

Bank of Baroda Home Loan in Uttar Pradesh.

Quick answer: Bank of Baroda home loan rate in Uttar Pradesh: 8.4-10.4% (typical 8.65%). Average Uttar Pradesh home loan ticket: ₹27.00 L. State stamp duty: 7% (~₹1.89 L extra). Typical EMI on a 20-year loan: ₹23,688/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📍 Bank of Baroda in Uttar Pradesh

Bank of Baroda's Uttar Pradesh positioning.

Bank of Baroda operates 1,180+ UP branches with Lucknow Hazratganj Zonal Office, Kanpur Mall Road, Noida Sector 18, Varanasi, and Allahabad/Prayagraj anchoring. After the Vijaya Bank and Dena Bank merger, BoB's combined UP network is the third-largest PSU presence after SBI and PNB.

Bank of Baroda branches in Uttar Pradesh

1180+

Uttar Pradesh stamp duty

of property value

Avg loan ticket

₹27.00 L

in Uttar Pradesh

💡 Why this combination is interesting

BoB's UP strategy is to capture central PSU and central-government salary accounts that PNB historically dominated, while leveraging the post-merger Dena Bank legacy customers in Lucknow, Kanpur, and Allahabad. The bank's Baroda Pay Plus current-account customers and self-employed SME segment route home-loan business through BoB at 8.45-8.65% women rates. UP's 7% stamp duty with 1% women rebate plus BoB's competitive rates positions the bank well in the 25-35 lakh ticket bracket for tier-2 buyers.

🧾 Uttar Pradesh tax context

How Uttar Pradesh taxes affect your Bank of Baroda EMI.

Professional Tax (Uttar Pradesh)

Uttar Pradesh does NOT levy Professional Tax. Saves ₹2,500/year vs Maharashtra/Karnataka.

HRA tier (Section 10(13A))

Uttar Pradesh Lucknow is HRA tier-2 non-metro: 40% of basic salary as HRA exemption. Lower than metros — limits HRA benefit despite local rent costs.

❓ FAQ

Bank of Baroda in Uttar Pradesh — common questions.

How has the Vijaya Bank and Dena Bank merger strengthened BoB in UP?

The merger consolidated Dena Bank's legacy UP network (Lucknow, Kanpur, Allahabad) with Vijaya Bank's smaller north Indian presence into BoB's post-merger 1,180+ branch UP footprint — the third-largest PSU presence after SBI and PNB, with combined customer base 40% larger than pre-merger BoB.

EMI on a 27 lakh BoB home loan in Kanpur for 20 years?

At BoB's 8.55% floating rate for salaried borrowers, 27 lakh over 240 months gives EMI of Rs 23,612, total interest Rs 29.67 lakh, total outflow Rs 56.67 lakh. Women applicant at 8.45% pays Rs 23,432.

Can I balance-transfer my SBI Lucknow home loan to Bank of Baroda?

Yes. BoB runs balance-transfer campaigns with reduced processing fee on switches above 25 lakh from SBI, PNB, and other PSU lenders. SBI floating loans have zero foreclosure under RBI rules, so the switch is cost-neutral on the originating side.

Bank of Baroda Home Loan in Uttar Pradesh.

EMI Calculator

Bank of Baroda's Uttar Pradesh positioning.

How Uttar Pradesh taxes affect your Bank of Baroda EMI.

Bank of Baroda in Uttar Pradesh — common questions.

More combinations.

Bank of Baroda in other states

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