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Baroda Mortgage Loan

Bank of Baroda brings to you an innovative combination of a loan and over draft facility with flexible repayment options against the security of your immovable property.

Key Benefits

  • Ideal use of idle property - Generate additional income from an otherwise idle property.

  • Withdraw money as per your need and save on interest cost.

  • Deposit surplus money / regular income / salary and save interest.

  • Flexibility to withdraw money deposited earlier.

  • Can be availed either as overdraft or demand loan as per your need.

Salient Features

  • Limit:

    Minimum : Rs. 1 lac

  • Maximum areas

    • Rural areas: Rs. 10 Lacs
    • Other areas: Rs. 300 Lacs

  • Repayment

    • Loan: Maximum 84 EMIs

  • Easy Documentation

  • Mortgage loan from other banks can be taken over

Terms & Conditions


Salaried Employees / Professional, Self Employed & Other income tax assesses for last 3 years with a minimum gross annual income of Rs. 60000.

Age: Minimum 21 years

Income Criteria:

  • Salaried: 36 times of gross monthly income
  • Others: 5 times of average (last 3 years) annual income


Documents Required:

  • Salaried

    • Income proof (Form 16 along with salary certificate from the employer)

  • Professional / Self-employed

    • I.T. returns for past 3 years
    • Latest income tax assessment order (for overdraft amount of over Rs. 5 Lacs)
    • Income certificate from appropriate revenue authority like Tehsilldar/BDO/SDO (for agriculturist)
    • Original title deeds of the property offered for mortgage
    • Paid receipt of latest maintenance, water tax, municipal tax and any such taxes.
    • Non encumbrance letter from co-op society
    • Permission to create Equitable Mortgage from society
    • Last 6 months bank statements of main bank account

For more details, kindly visit a Bank of Baroda Branch nearest to you.

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