RAPC Ahmedabad

Mortgage Loans (Home Loan, Top Up & LAP) Pricing

ROI (upto 30.06.2024) & Disbursed upto 10th July 2024
Housing Loan
Floating Rates Fixed Rates
Rs. 15 Lakhs & above Less than Rs. 15 Lakhs Any Amount
CIBIL Score
Salaried & Non Salaried Salaried Non Salaried Salaried Non Salaried
With GCL Without GCL With GCL Without With GCL Without With GCL Without With GCL Without
800 & above 8.40% 8.45% 9.15% 9.20% 9.25% 9.30% 10.15% 10.20% 10.25% 10.30%
771 to 799 8.60% 8.65% 9.15% 9.20% 9.25% 9.30% 10.15% 10.20% 10.25% 10.30%
751 - 770 8.60% 8.65% 9.25% 9.30% 9.35% 9.40% 10.25% 10.30% 10.35% 10.40%
726 -750 8.85% 8.90% 9.40% 9.45% 9.50% 9.55% 10.40% 10.45% 10.50% 10.55%
701 - 725 9.50% 9.55% 9.50% 9.55% 9.60% 9.65% 10.50% 10.55% 10.60% 10.65%
Less than 701 10.60% 10.65% 10.50% 10.55% 10.60% 10.65% 11.50% 11.55% 11.60% 11.65%
(1) 9.05% 9.10% 9.50% 9.55% 9.60% 9.65% 10.50% 10.55% 10.60% 10.65%
Additional Concession - 0.10% Discount for Takeover Cases / Fully Completed / Govt. Projects
Subject to minimum interest
0.05% if Women is Owner / Joint Owner of Property
of 8.40%
0.10% if Salary Account with our Bank (Min. salary Rs. 50,000/-) -Only For Govt. / PSU
/ CorporateEmployees
No Concession allowed under Fixed Rate
0.10% if Business Account with Bank of Baroda.
0.10% for Baroda Radiance Customer status
0.10% for Baroda Family Account Customer (QAB of Rs. 2 Lakhs or more)
Out of above, only higher of any one can be allowed if more than one conditions complied.
APF Rs. 3,500/- + GST(18%) = Rs. 4,130/-
Non - APF Rs. 10,000/- + GST (18%) = Rs. 11,800/-
Upfront Fee - Home Loan / BT (Digital Journey Must) - One Stroke Full
Disbursement / Salary / Business Account Rs. 5,000/-+ GST (18%) = Rs. 5,900/-
with Bank / Branch Leads
Non Digital Channel Rs. 5,000/-+ GST (18%) = Rs. 5,900/-
Upfront Fee - Top Up Loan
Digital Channel Rs. 3,500/-+ GST (18%) = Rs. 4,130/-
Top Up Loan
Floating Rates Fixed Rates
CIBIL Score Rs. 15 Lakhs & Above Less than Rs. 15 Lakhs Any Amount
Salaried & Non Salaried Salaried Non Salaried Salaried Non Salaried
With GCL Without GCL With GCL Without With GCL Without With GCL Without With GCL Without
800 & above 9.25% 9.30% 10.00% 10.05% 10.10% 10.15% 11.00% 11.05% 11.10% 11.15%
771 to 799 9.45% 9.50% 10.00% 10.05% 10.10% 10.15% 11.00% 11.05% 11.10% 11.15%
751 - 770 9.45% 9.50% 10.10% 10.15% 10.20% 10.25% 11.10% 11.15% 11.20% 11.25%
726 -750 9.70% 9.75% 10.25% 10.30% 10.35% 10.40% 11.25% 11.30% 11.35% 11.40%
701 - 725 10.35% 10.40% 10.35% 10.40% 10.45% 10.50% 11.35% 11.40% 11.45% 11.50%
Less than 701 11.45% 11.50% 11.35% 11.40% 11.45% 11.50% 12.35% 12.40% 12.45% 12.50%
(1) 9.90% 9.95% 10.35% 10.40% 10.45% 10.50% 11.35% 11.40% 11.45% 11.50%
Mortgage Loan (LAP)
CIBIL Score Tenure - Upto 120 Months
Upto Rs. 7.50 Cr
800 & above 10.85%
771 - 799 11.00%
751 - 770 11.20%
726 -750 11.50%
701 - 725 12.50%
650 - 699 14.75%
Less than 650 15.75%
-1 11.50%
Additional 0.25% above card rates for facility above Rs. 7.50 Crores - for Mortgage Loan (LAP) only.
Additional 0.50% above card rates for overdraft facilityfrom borrower) - or Mortgage Loan (LAP) only.

In case of Loan Tenor is above 120 months and facility above Rs. 7.50 Crores, the applicable ROI will be 0.75% above card rates. In case of OD limit the applicable ROI
will be 1.25% above card rates - or Mortgage Loan (LAP) only.
Contact Address:- Retail Assets Processing Centre - Ahmedabad, 1st Floor, Above BOB Ambawadi Branch, Panchwati Marg, Ahmedabad -
380006
Email:- rapc.ahmedabad@bankofbaroda.co.in
Contact Person:- Aditya Maheshwari, Chief Manager (8980160840)