Bank of Baroda 🕌 Lucknow Rate8.65% Branches48+

Bank of Baroda Home Loan in Lucknow 🕌

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Quick answer (Bank of Baroda Lucknow)

Bank of Baroda home loan in Lucknow: 8.4-10.4% (typical 8.65%) with 48+ city branches. Lucknow average ticket ₹38.00 L at 8.65% over 20 years = ₹33,339/month EMI. Uttar Pradesh stamp duty: ~₹3.04 L. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.

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Mortgage Calculator

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$2,496

PITI

Principal + Interest

$1,996

58% goes to interest

Total Interest

$418,527

over 30 years

Monthly Breakdown

Principal & Interest$1,996

Property Tax (1.1%/yr)$344

Homeowner's Insurance (0.5%/yr)$156

Total Monthly$2,496

Principal vs Interest Split

42% principal

58% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Bank of Baroda in Lucknow

Bank of Baroda's Lucknow position.

Bank of Baroda has a solid retail presence in Lucknow with branches at Hazratganj, Gomti Nagar, Aliganj and Indira Nagar serving the UP state secretariat and the SGPGI medical corridor. The bank runs dedicated home loan desks for UP Government employees and the emerging IT corridor at Vibhuti Khand and TCS Chak Gajaria.

Branches in Lucknow

48+

2026 estimate

Typical rate

8.65%

8.4-10.4% repo-linked range

Disbursal speed

3-5 days for pre-approved

pre-approved customers

🏢 Pre-approval pipeline

Bank of Baroda's top employers in Lucknow.

For salary account holders at these Lucknow employers, Bank of Baroda typically offers pre-approved home loan offers within 30-45 days of consistent credit. Disbursal: 3-5 days for pre-approved, 7-10 days for fresh applications.

✓ Uttar Pradesh Government

✓ SGPGI Lucknow

✓ KGMU

✓ Dr RML National Law University

✓ IIM Lucknow

✓ TCS Chak Gajaria

✓ HCL Technologies Lucknow

✓ Wipro Lucknow

✓ Indian Institute of Toxicology Research

✓ NBRI Lucknow

✓ UP Power Corporation

✓ Hindustan Aeronautics Korwa

🧮 Worked example

₹38.00 L Bank of Baroda home loan in Lucknow at 8.65% over 20 years

Loan amount

₹38.00 L

Bank of Baroda typical rate

8.65%

Term

20 years (240 months)

Monthly EMI

₹33,339

Total interest paid

₹42.01 L

Total paid (principal + interest)

₹80.01 L

+ Uttar Pradesh stamp duty (8%)

₹3.04 L

Bank of Baroda processing fee

0.50% of loan amount (max ₹10,000 for home loans)

❓ FAQ

Bank of Baroda Lucknow home loan FAQ.

What rate does BoB offer UP Government employees in Lucknow? ▾

BoB offers 8.45-8.60% to UP Govt and SGPGI staff through its Hazratganj corporate branch with check-off facility, full processing fee waiver and 30-year tenure.

BoB vs PNB for Lucknow home loans? ▾

PNB has deeper UP government penetration but BoB matches it on rate at 8.45% and offers superior turnaround for Gomti Nagar Extension and Sushant Golf City properties via its Vibhuti Khand branch.

Can an IIM Lucknow faculty member get a 1.5-crore loan? ▾

Yes, with 40 lakh CTC, BoB sanctions up to 1.75 crore at 8.50-8.65% for properties in Gomti Nagar, Mahanagar or Sushant Golf City.

Is Bank of Baroda cheaper than SBI for home loans? ▾

Marginally — BoB is typically 10-25 bps higher than SBI at any given LTV. BoB's advantage: faster processing in tier-2/3 cities where SBI branches can be slow. For metro customers, SBI usually wins on rate.

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