Bank of Maharashtra
Central bank of India
Interest Rate
7.1% – 9.25% p.a.
Loan Amount
Up to 90%
Interest Rate
7.2% – 8.7% p.a.
Loan Amount
Up to 90%
Uco Bank Home Loan vs Bank Of Baroda Home Loan Home Loan Comparison | Ambak
The uco bank vs bank of baroda home loan comparison: UCO Bank (3,000+ branches across India, PSU) offers UCO Home Loan and UCO Pre-approved; Bank of Baroda (8,200+ branches across 17 countries, PSU) offers Baroda Home Loan Advantage, Pre-approved and CRE. Differences lie in schemes, eligibility, digital experience and customer segments.
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uco bank vs bank of baroda: UCO Bank offers UCO Home Loan and UCO Pre-approved with pre-approved variant for existing customers and government-employee concessions. Bank of Baroda offers Baroda Home Loan Advantage, Pre-approved and CRE with Advantage variant with overdraft. Related search: None. Choice depends on borrower profile, scheme fit and network reach.
Ambak Recommended
UCO Bank
Home Loan
Bank of Baroda
Home Loan
| Metric | UCO Bank | Bank of Baroda |
|---|---|---|
 Interest Rate | ||
7.15% – 9.25% 7.3% – 9.5% | ||
 Interest Rate | 7.15% – 9.25% | 7.3% – 9.5% |
 Processing Fee | ||
Rs. 15,000 + GST Overall Fees ( including Processing, login, legal and technical) : Rs.11,800 | ||
 Processing Fee | Rs. 15,000 + GST | Overall Fees ( including Processing, login, legal and technical) : Rs.11,800 |
 Max LTV | ||
Up to 90% Up to 90% | ||
 Max LTV | Up to 90% | Up to 90% |
 Max Loan Amount | ||
₹3000000 Cr ₹3000000 Cr | ||
 Max Loan Amount | ₹3000000 Cr | ₹3000000 Cr |
 Min Loan Amount | ||
₹5000 Cr ₹5000 Cr | ||
 Min Loan Amount | ₹5000 Cr | ₹5000 Cr |
 EMI per Lakh | ||
₹785 ₹794 | ||
 EMI per Lakh | ₹785 | ₹794 |
Why Choose UCO Bank Home Loan
UCO Bank is a PSU lender with 3,000+ branches across India. Variants include UCO Home Loan and UCO Pre-approved, designed for salaried buyers and government employees. Key features include pre-approved variant for existing customers, government-employee concessions and simplified salaried documentation. UCO Bank suits borrowers looking for PSU pre-approved home loan offerings.
- Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
- Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
- Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.
Why Choose Bank of Baroda Home Loan
Bank of Baroda is a PSU lender with 8,200+ branches across 17 countries. Variants include Baroda Home Loan Advantage, Pre-approved and CRE, designed for salaried, NRI and government employees. Key features include Advantage variant with overdraft, pre-approved loans for existing customers and dedicated NRI home loan cell. Bank of Baroda suits borrowers looking for global PSU with OD-linked variant.
- Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
- Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
- Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.
UCO Bank Reviews
4.3 / 5(10 reviews)
What people like- •Interest starts at 7.15% — that's cheaper than Bank of Baroda's 7.3%
- •You pay only ₹785/lakh per month — ₹9 less than Bank of Baroda
- •Covers up to 90% of the property cost so you don't need a large upfront amount
- •You can borrow up to ₹30 Cr — suitable for high-value properties
- •Processing fee: Rs. 15,000 + GST
- •Simple paperwork — fewer documents needed compared to most banks
What people don't like- •Self-employed borrowers may face a longer approval process
- •Fewer branches in smaller cities and towns
- •Prepayment charges can apply if you have a fixed interest rate
- •High-value loans require detailed income proof
Reviews summarised from buyer forums and listings; personal site visit recommended.
Bank of Baroda Reviews
3.8 / 5(10 reviews)
What people like- •Covers up to 90% of the property cost so you don't need a large upfront amount
- •You can borrow up to ₹30 Cr — suitable for high-value properties
- •Processing fee: Overall Fees ( including Processing, login, legal and technical) : Rs.11,800
- •Simple paperwork — fewer documents needed compared to most banks
- •Repay over up to 30 years to keep your monthly outgo low
- •Can transfer your existing home loan here to save on interest
What people don't like- •Interest rate of 7.3% is slightly higher than UCO Bank's 7.15%
- •Monthly EMI of ₹794/lakh is ₹9 more than UCO Bank
- •Self-employed borrowers may face a longer approval process
- •Fewer branches in smaller cities and towns
Reviews summarised from buyer forums and listings; personal site visit recommended.
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