Bank of Baroda 🏗️ Vadodara Rate8.65% Branches125+ Bank of Baroda Home Loan in Vadodara 🏗️
Bank of Baroda home loan in Vadodara: 8.4-10.4% (typical 8.65%) with 125+ city branches. Vadodara average ticket ₹40.00 L at 8.65% over 20 years = ₹35,094/month EMI. Gujarat stamp duty: ~₹2.36 L. Disbursal: 3-5 days for pre-approved PSU employees, 10-14 days for fresh applications.
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Bank of Baroda in Vadodara Bank of Baroda's Vadodara position.
Bank of Baroda is headquartered in Vadodara as Gujarat home-state PSU with 125+ branches and HO at Sayajiganj. BoB serves ONGC Vadodara, IPCL, Gujarat Refinery, and Reliance executives through Alkapuri, Sayajiganj, and Race Course branches. The bank holds 50%+ share of Vadodara industrial belt and public sector employee home loan segment with deep Gujarat government tie-ups.
Bank of Baroda's top employers in Vadodara.
For salary account holders at these Vadodara 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 PSU employees, 10-14 days for fresh applications.
₹40.00 L Bank of Baroda home loan in Vadodara at 8.65% over 20 years
₹40.00 L 8.65% 20 years (240 months) ₹35,094 ₹44.23 L ₹84.23 L ₹2.36 L 0.50% of loan amount (max ₹10,000 for home loans)
Bank of Baroda Vadodara home loan FAQ.
What is BoB home loan rate in Vadodara for ONGC, IPCL, and Gujarat Refinery employees? ▾
Bank of Baroda offers home loans in Vadodara at 8.45-9.00% with ONGC, IPCL, Gujarat Refinery, and GSFC PSU employees getting preferential rates of 8.45-8.55% under BoB PSU tie-up. The Sayajiganj headquarters and Alkapuri branches process 60% of Vadodara PSU employee mortgages with average ticket size of Rs 65 lakh for Alkapuri, Race Course, and Akota properties.
BoB vs SBI home loan in Vadodara — which is better for ONGC and GSFC PSU employees? ▾
For ONGC and GSFC PSU employees in Vadodara, BoB (8.45-9.00%) has home-state PSU advantage with Sayajiganj headquarters and dedicated ONGC tie-up. SBI (8.40-9.00%) matches headline rate with 5 bps edge but BoB has superior Gujarat PSU relationship banking and direct salary account integration for ONGC, IPCL, and Gujarat Refinery employees.
Can ONGC Vadodara employee get BoB home loan in Akota with woman co-applicant? ▾
Yes, BoB Vadodara Alkapuri and Sayajiganj branches offer home loans to ONGC and GSFC employees at 8.45-8.65% with woman co-applicant getting additional 5 bps concession bringing rate to 8.40-8.55%. Average ticket size is Rs 55-95 lakh for Akota, Alkapuri, Race Course, and Karelibaug properties with 85% LTV and 30-year tenure for joint applicants.
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.
