Bank of Baroda Home Loan EMI Calculator Rates updated October 2026
Bank of Baroda Home Loan EMI Calculator
The calculator above uses the standard reducing-balance formula. The figures below are worked at Bank of Baroda's current starting rate of 7.40% p.a. (range 7.40%–9.15%). Source: Bank of Baroda official rate page, checked 26 Oct 2026. Full rate card: Bank of Baroda home loan interest rate.
Bank of Baroda home loan EMI by loan amount and tenure
| Loan amount | 10 years | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|---|
| ₹20 lakh | ₹23,636 | ₹18,427 | ₹15,990 | ₹14,650 | ₹13,848 |
| ₹30 lakh | ₹35,454 | ₹27,640 | ₹23,985 | ₹21,975 | ₹20,771 |
| ₹40 lakh | ₹47,272 | ₹36,854 | ₹31,980 | ₹29,300 | ₹27,695 |
| ₹50 lakh | ₹59,090 | ₹46,067 | ₹39,974 | ₹36,625 | ₹34,619 |
| ₹75 lakh | ₹88,635 | ₹69,100 | ₹59,962 | ₹54,937 | ₹51,928 |
| ₹1 crore | ₹1,18,181 | ₹92,134 | ₹79,949 | ₹73,250 | ₹69,238 |
EMI at 7.40% p.a. Each ₹1 lakh borrowed costs ₹799 a month over 20 years.
Where a ₹50 lakh EMI goes, year by year
| Year | Interest paid | Principal repaid | Balance at year end |
|---|---|---|---|
| 1 | ₹3,66,202 | ₹1,13,492 | ₹48,86,508 |
| 2 | ₹3,57,513 | ₹1,22,181 | ₹47,64,327 |
| 5 | ₹3,27,246 | ₹1,52,448 | ₹43,38,738 |
| 10 | ₹2,59,241 | ₹2,20,453 | ₹33,82,494 |
| 15 | ₹1,60,899 | ₹3,18,795 | ₹19,99,678 |
| 20 | ₹18,687 | ₹4,61,007 | ₹0 |
₹50 lakh at 7.40% over 20 years: EMI ₹39,974, total interest ₹45,93,875. In year 1, 76% of what you pay is interest.
What changes your EMI
| On a ₹50 lakh, 20-year loan | Monthly EMI | Total cost |
|---|---|---|
| Rate rises 0.25% to 7.65% | +₹765 a month | +₹1,83,604 over 20 years |
| Rate at the top of the range (9.15%) | +₹5,495 a month | +₹13,18,871 over 20 years |
| Tenure 30 years instead of 20 | −₹5,355 a month | +₹28,68,961 more interest |
The RBI raised the repo rate to 5.50% on 7 October 2026. Repo-linked floating loans reset at the bank's next reset date; prepaying a floating-rate loan carries no penalty for individual borrowers. Try the prepayment calculator.
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FAQs Related to This Calculator
What is the Bank of Baroda Home Loan EMI Calculator?
Answered on 2025-09-19 Written by Ramandeep, Real Estate Expert in Financing & Valuation
The Bank of Baroda Home Loan EMI Calculator is a free online tool that computes your monthly EMI based on loan amount (up to ₹20 crore), interest rate (starting at 7.45% p.a.), and tenure (up to 30 years), using the formula EMI = [P × R × (1+R)^N] / [(1+R)^(N-1)].
How accurate is the EMI calculator for planning my home loan repayment?
Answered on 2025-09-20 Written by Ramandeep, Expert in Real Estate Financing & Valuation
The calculator provides precise EMI estimates using current Bank of Baroda home loan interest rates (7.45%-9.50% p.a. as of September 2025) and your inputs. It also generates amortization schedules to show principal and interest splits, aiding accurate budgeting.
