Bank of Baroda Loan Rates 2025: When it comes to buying a home, a new car, or fulfilling your dreams, the biggest question is: what will be the loan interest rates and how high will the EMIs be? Recently, the Reserve Bank of India cut the repo rate by 25 basis points, and the sharpest impact was felt by Bank of Baroda customers. This move has significantly lowered home loan, personal loan, and auto loan EMIs, which is a major relief, especially for young working professionals and first-time homebuyers.
Repo Rate Cut and BRLLR Changes
Bank of Baroda has reduced its Baroda Repo Based Lending Rate (BRLLR) from 8.15% to 7.90%. This change comes directly after the RBI reduced the repo rate from 5.50% to 5.25%. The bank has kept its mark-up stable at 2.65%, ensuring complete relief for customers. This means that those who were burdened by monthly EMIs will now experience financial relief and ease of budgeting.
| Loan Type | Previous Interest Rate | New Interest Rate | Applicable From | Key Details | Additional Charges |
|---|---|---|---|---|---|
| BRLLR (Repo Based Lending Rate) | 8.15% | 7.90% | 6 December 2025 | Mark-up 2.65%, repo-linked reduction | None |
| Home Loan (Floating) | 7.20% – 8.95% | 7.20% – 8.95% | 6 December 2025 | Based on CIBIL score and loan amount | +0.50% risk premium without credit insurance |
| Home Loan (Fixed) | 8.90% – 9.95% | 8.90% – 9.95% | 6 December 2025 | Stable rates, slightly higher than floating | None |
| Personal Loan | Varies | Lowered as per BRLLR | 6 December 2025 | Reduced EMI for salaried youth | As per bank terms |
| Auto Loan | Varies | Lowered as per BRLLR | 6 December 2025 | EMI relief for vehicle buyers | As per bank terms |
Impact on Home Loans
According to Bank of Baroda’s website, floating home loan rates for non-staff customers now range from 7.20% to 8.95%. This range depends on the customer’s CIBIL score and loan amount. If customers do not purchase credit insurance, an additional risk premium of 0.50% may be applicable. Fixed rate home loan rates, meanwhile, range from 8.90% to 9.95%, which remain stable but are slightly more expensive than floating rates. Previous homebuyers and those considering a new loan will experience significant relief from this change.
Relief on Personal and Auto Loans
Interest rates on Bank of Baroda’s personal and auto loans have also been reduced. Young professionals and mid-class families can now avail loans at affordable EMIs to suit their needs. Lower interest rates not only simplify monthly payments but also aid financial planning. This change could have a positive impact on the pockets of many customers in the coming months.
Opportunities for young people and first-time borrowers
This change is especially good news for those dreaming of owning a home or planning to purchase a new car. Now, with Baroda Bank’s repo-linked interest rates, they will benefit from lower EMIs. This will ease financial pressure and make it easier for people to fulfill their dreams.
The reduction in interest rates immediately following the repo rate cut by Bank of Baroda has brought relief to customers. Home loan, personal loan, and auto loan EMIs are now more affordable than before. Young people, employed people, and first-time borrowers can now fulfill their dreams with better financial planning. This move will prove extremely beneficial for borrowers in the coming months.
FAQs
Q1. What is the new BRLLR at Bank of Baroda?
It is reduced from 8.15% to 7.90% after repo cut.
Q2. When did the new loan rates apply?
The new rates became effective from 6 December 2025.
Q3. How much has RBI cut the repo rate?
RBI reduced the repo rate from 5.50% to 5.25%.
Q4. How are home loan rates affected by this change?
Floating home loan rates now range between 7.20% and 8.95%.
Q5. Are fixed-rate home loans cheaper now?
No, fixed-rate loans remain 8.90% to 9.95%, slightly higher.
Disclaimer: This article is written for informational and financial awareness purposes only. Interest rates and loan terms are subject to change by the bank from time to time. Please consult your bank or a certified financial professional before investing or making any loan decisions.
