Information only
Bank of Baroda is a public sector bank under Reserve Bank of India (RBI) regulation, with its address listed by RBI as Vadodara, Gujarat. It was founded in 1908 in the princely state of Baroda and absorbed Vijaya Bank and Dena Bank in 2019. According to the bank's website, as of 8 November 2026, its loans page names a long list of branded schemes, including green, defence-personnel and digital variants. This page is an information summary, not an offer.
Loans it offers
Retail and MSME loans seen on Bank of Baroda's website, 8 November 2026
| Loan | What to know |
|---|---|
| Home loans | Includes Baroda Home Loan, the bob Green Home Loan, a Home Improvement Loan, a home loan takeover and a scheme for urban EWS, LIG and MIG buyers linked to Pradhan Mantri Awas Yojana. |
| Personal loans | Baroda Personal Loan, a digital version, a Loan to Pensioners and a Home Suvidha Personal Loan for home-related spending. |
| Loans against property | Listed as the Baroda Mortgage Loan and a Loan against Future Rent Receivable; the Baroda Flexi Loan is a top-up over home security. |
| Business and MSME loans | A Digital MSME Loan and the Pradhan Mantri Mudra Yojana loan for micro enterprises. |
| Car loans | Baroda Car Loan, bob Digital Car Loan and an auto loan for pre-owned cars. |
| Two-wheeler loans | Baroda Two Wheeler Loan, a digital version and the bob Green Wheel loan. |
| Gold loans | Lending against gold collateral is listed; the page names no separate gold loan scheme. |
| Education loans | A broad set, including Baroda Scholar for study abroad, Baroda Vidya for school education, Baroda Gyan and loans under the Pradhan Mantri Vidyalaxmi scheme. |
Related LOANZ 360 guides: home loans, personal loans, loans against property, business loans, new car loans, two-wheeler loans, gold loans and education loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Public sector bank |
| Registered office (RBI listing) | Vadodara, Gujarat |
| Ownership | Majority-owned by the Government of India |
| Founded | 20 July 1908, in the princely state of Baroda |
| Mergers | Vijaya Bank and Dena Bank were amalgamated into Bank of Baroda with effect from 1 April 2019 (Gazette notification dated 2 January 2019) |
As of 8 November 2026, RBI lists Bank of Baroda as a public sector bank; the Vijaya Bank and Dena Bank amalgamation took effect on 1 April 2019.
Before you apply
Bank of Baroda lists several defence-personnel (Baroda Yoddha) and pensioner schemes. If you belong to one of those groups, ask whether a scheme-specific product fits you better than the general one.
- Offers made in advance and digital loans still go through the bank's checks. Read the Key Fact Statement and the APR before you accept.
- A home loan takeover moves an existing loan to this bank; ask for the full list of charges at both banks, because foreclosure and processing charges are set by each lender.
- Subsidy-linked schemes, such as the Pradhan Mantri Awas Yojana loans, have eligibility conditions; confirm them with the bank.
- Applying to many lenders in a short time can lower your score. Checking your own score does not.
To see published rates side by side, use interest rates; to read about other banks, see lenders. Each lender page carries a label (lending partner or information only) drawn by this site from live data, never from text written here. If Bank of Baroda is shown as information only, apply on its website.
Last updated 12 Nov 2026